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TASMANINSURANCE GROUP
TASMANINSURANCE GROUP
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Home & Contents Insurance

Home insurance relates to the structure of your house, including fixtures like built-in cupboards and fences. Contents insurance relates to belongings such as furniture, clothing and electronics.

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A couple sitting on the verandah of a timber home in the hills

You can usually buy them together or separately. Renters often take out contents cover only, while owner-occupiers may combine both.

Who this insurance may suit

  • Owner-occupiers of houses and townhouses
  • Renters wanting contents cover
  • Owners of rural or acreage homes
  • Households with valuable items such as jewellery or art
  • Unit owners insuring contents inside a strata building

Why this cover may be important

For many people a home is their largest asset. Rebuilding after a fire or major storm can take time and cost more than expected.

Contents add up quickly. Replacing furniture, appliances and clothing all at once can be a heavy financial burden.

Potential areas of cover

Cover varies between insurers and policies. Depending on the policy, cover may include:

  • Building

    Cover may include damage to your home from events such as fire, storm, lightning and impact, subject to the policy terms.

  • Contents

    Household belongings may be covered against insured events, with limits for certain categories of items.

  • Temporary accommodation

    Some policies contribute towards somewhere to stay if your home cannot be lived in after an insured event.

  • Legal liability

    Cover may include claims if someone is injured at your home or you accidentally damage someone else's property.

  • Portable valuables

    Items taken away from home, such as phones or jewellery, can often be covered as an option.

  • Accidental damage

    Optional accidental damage cover may respond to sudden, unintended damage not otherwise listed.

Common risks

  • Bushfire or house fire
  • Storm and hail damage to roofs and windows
  • Burglary and theft of belongings
  • Burst pipes and sudden water damage
  • Fallen trees damaging the home
  • A visitor injured on the property

What may not be covered

Every policy has exclusions, limits and conditions. Some common considerations include:

  • Flood may be included, optional or excluded depending on the insurer and location.
  • Wear and tear, pests, mould and lack of maintenance are generally excluded.
  • Items over a set value may need to be listed individually.
  • Running a business from home may need to be disclosed and may require separate business cover.
  • Leaving a home unoccupied for an extended period can affect cover.

Always read the Product Disclosure Statement and policy wording. Your broker can explain how they apply to you.

Why work with Tasman Insurance Group

  • We take time to understand your business or circumstances before discussing cover.
  • Where applicable, we approach suitable insurers and compare the options available.
  • We explain exclusions, limits and excesses in plain English before you decide.
  • We help with changes during the year, renewals and claims.

Home & Contents Insurance FAQs

What is the difference between home and contents insurance?

Home insurance relates to the building and permanent fixtures. Contents insurance relates to belongings you could take with you if you moved.

How do I work out my building sum insured?

It is generally based on the cost to rebuild, not the market value of the property. Online calculators and builders can help estimate this. A broker can talk through your situation.

Is flood covered?

It depends on the policy. Some include flood, some offer it as an option and others exclude it. The definition of flood also matters.

Does contents insurance cover items outside the home?

Standard contents cover usually applies at the insured address. Portable valuables cover can often be added for items you carry with you.

Related insurance solutions

Ready to talk about home & contents?

Request a quote or call us. We'll ask about your circumstances and discuss the options available.

Get a QuoteCall 0470 349 217
Call 0470 349 217Get a Quote