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Home insurance can protect you if your home is damaged from fire, theft and more.
Home insurance can protect you if your home is damaged from fire, theft and more.
Home and contents insurance can protect you from financial risk if your home is damaged or destroyed and can also cover your home’s contents if they are damaged, lost or stolen.
If your home is damaged by a covered incident and you can’t live in it anymore, home contents insurance can cover temporary accommodation so you have a roof over your head while your home’s being repaired or rebuilt.
Contents insurance covers your household items and personal belongings if they’re damaged, lost or stolen.
You have a choice of options with different levels of cover and inclusions available.
If you rent or own a property, we recommend you have the best house and contents insurance to suit your needs.
During the 2022 Northern New South Wales floods, Michael’s family home and its contents were severely damaged by floodwaters. Fortunately, Michael had taken out house and contents insurance.
His policy included automatic cover for flood, so it covered the costs of repairing the damage to the walls and floors of his home caused by floodwaters.
It also covered the cost of replacing his furniture and white goods. And, because he and his two children had to move out while his home was being repaired, his policy took care of the costs of living in rental accommodation during this time.
Each house and contents insurance policy is different, but generally you won’t be covered:
There are other exclusions which our insurance brokers can outline for you. A deductible/excess may apply.
Consider accidental damage cover
Most contents insurance doesn’t include cover for accidental damage. It may be worth adding this if you want cover for mishaps, such as staining your couch or smashing a valuable artwork.
Our brokers will be able to provide you with the best contents insurance quote that includes accidental damage cover and find the best home and contents insurance to suit your needs.
Check limits for certain items
Most policies have maximum amounts on how much you claim for certain items. For example, a limit for individual electrical appliances.
Our brokers can help tailor a home and contents insurance quote to ensure you are adequately covered.
You don’t need to own your home to have contents insurance
Across Australia, many people rent rather than own. Renting can be a great opportunity to focus on what’s important to you, instead of worrying about building repairs or mortgage payments.
Contents insurance for renters covers the same things that home and contents insurance covers, so you can protect just the things that matter to you including your furniture, TV, computer and more, without paying for building cover that you don’t need.
Our brokers can tailor a contents insurance for renters policy which suits your individual needs. They’ll provide you with what is and isn’t covered under a contents insurance for renters policy, as well as some optional covers you can buy.
Home contents insurance covers your household items and personal belongings if they’re damaged, lost or stolen. This could include lights, curtains, furniture, white goods, computers and other electrical appliances, clothing, jewellery, sporting equipment and personal items.
We know that navigating the world of insurance can be complex and confusing. Our brokers can help you find the best home and contents insurance to suit your needs.
The cost of contents insurance can vary widely, depending on your individual needs.
Work out what your belongings are worth to see how much cover you need. It will also help you identify what items are worth insuring.
Start by listing all your belongings and how much each item would cost to replace (at today’s prices). Include as many details as possible. For example, serial numbers, receipts, warranties, photos, condition, and the date of purchase.
Each policy is different, but generally carpets and rugs are covered as part of contents insurance, however maximum amounts may apply to carpets or rugs that are hand woven or hand knotted.
Our brokers can help you find the best home and contents insurance to suit your needs.
Each policy is different, but generally clothing is covered as part of contents insurance.
If you own items with a worth over your policy’s single item limit, we can help you declare them to your insurer and have them listed separately on your policy.
Typically, home building insurance will cover the walls, roof, floor, ceiling, doors, windows, and things fixed to the home’s foundations. This includes inbuilt cupboards, wardrobes, cabinets, and appliances.
Our brokers can help you find the best home and contents insurance to suit your needs.
Contents are household items that you own or are responsible for and use primarily for domestic purposes. This could include lights, curtains, furniture, white goods, computers and other electrical appliances, clothing, jewellery, sporting equipment and personal items.
Farm insurance covers your home and farm buildings, livestock, vehicles, equipment and more.
Insurance for your rental property to cover theft, vandalism, fire damage and more.
Choose from a range of motor vehicle insurance options and find the cover that’s right for you.
Call us on 02 4969 8100 or request a call back.
We know that navigating the world of insurance can be complex and confusing. Our brokers compare the myriad of insurance options on the market for you, providing expert advice to implement your chosen plan.
We empower thousands of Australian businesses to focus on what they do best, knowing they’re protected against any possible eventuality.