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Home and contents insurance

Protect what matters most with comprehensive and tailored home and contents insurance.

Book a consultation

Home and contents insurance

Protect what matters most with comprehensive and tailored home and contents insurance.

Book a consultation

Protect your home and belongings with home and contents insurance

For most people, the family home is the largest asset they’ll ever own. This means it is essential to protect it, inside and out with the right insurance cover. After all, no one wants to discover they’re inadequately insured when it’s too late.

Home and contents insurance allows you to cover the cost of repairing or replacing your home and its belongings. 

Included within a home insurance package is coverage for repair or loss of your home, other structures surrounding your home and all belongings inside. What you are covered for will depend on your policy and the provider. It’s about ensuring that, in times of unexpected events, you have a reliable safeguard for your home and everything it holds.

Don't leave your
home unprotected.

Contact us for a quote!

Typical claims

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Fire and smoke

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Storm

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Cyclone

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Rainwater

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Burglary

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Vandalism

What does home and contents insurance cover?

Home insurance includes coverage for repair or loss of your home, other structures surrounding your home and all belongings inside. What you are covered for will depend on your policy and where you get it from.

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Repair or loss of
your home

Home insurance provides essential coverage for the repair or replacement costs of your residence in the event of unexpected incidents such as fire, natural disasters, or accidents. This ensures that, in times of crisis, your home can be restored without causing significant financial strain.

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Structures surrounding
your home

Beyond the main dwelling, home insurance covers additional structures on your property. This includes structures like garages, sheds, and fences. So, if any of these structures suffer damage or loss due to covered events, your insurance steps in to alleviate the financial burden of repairs or replacement.

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All belongings inside
your home

 Home insurance safeguards your personal belongings, covering the repair or replacement costs if they are damaged, destroyed, or stolen. From furniture and electronics to clothing and valuables, this aspect of the coverage ensures that the things that make your house a home are protected against unforeseen events.

damage.png
Repair or loss of
your home

Home insurance provides essential coverage for the repair or replacement costs of your residence in the event of unexpected incidents such as fire, natural disasters, or accidents. This ensures that, in times of crisis, your home can be restored without causing significant financial strain.

damage.png
Structures surrounding
your home

Beyond the main dwelling, home insurance covers additional structures on your property. This includes structures like garages, sheds, and fences. So, if any of these structures suffer damage or loss due to covered events, your insurance steps in to alleviate the financial burden of repairs or replacement.

damage.png
All belongings inside
your home

The contents of your home are as important as the structure itself. Home insurance safeguards your personal belongings, covering the repair or replacement costs if they are damaged, destroyed, or stolen. From furniture and electronics to clothing and valuables, this aspect of the coverage ensures that the things that make your house a home are protected against unforeseen events.

Home and contents insurance FAQs

No, however, banks or finance companies will require home insurance to ensure you can have your home repaired or rebuilt if damaged. It’s also common sense to ensure that most people’s most valuable assets are protected in the event of a storm or fire.

The typical cost of Home & Contents Insurance, as well as the cover, varies across Australia. The monthly average is around $110 in NSW and $100 in Victoria, while in Queensland, it can range from $120 to $360 per month for Far North Queensland. This is why it’s worth getting quotes from different insurance companies and for different levels of cover.

Premiums are generally based on:

  • Location
  • What the home is built of
  • The age and type of occupancy
  • Past claims experience.

Home and contents insurance is undoubtedly worth the investment for the protection it provides. It acts as a financial safety net, covering the repair or replacement costs of your home and belongings in the face of unexpected events.

The choice between a high or low excess for home insurance depends on your individual circumstances and risk tolerance. Opting for a higher excess may result in lower premium payments, making it a suitable choice for those who are confident in their ability to cover a higher upfront cost in the event of a claim. On the other hand, a lower excess means you’ll pay less out of pocket for each claim, but it might result in higher premium payments.

There are typically 3 areas covered by a homeowner’s insurance plan:

  • Building– This covers the house and any carports or garages, as well as the fixtures and fittings, like pipes and carpets. Basically, anything that you wouldn’t take with you when you sell the home. Some policies cover any type of accidental damage, while others offer more limited cover (and cheaper) for fire and listed perils, including wind, rainwater and storm damage.
  • Contents– this is anything you would take with you when you leave. Rugs, furniture, beds and sporting equipment.
  • Valuables – generally only provides very limited cover for jewellery, bikes that were taken away from the home, and artwork. So, it is important to understand the difference between insurance policies and what suits you.
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