Home Insurance
Building and contents, valued right.
Options
we arrange.
What the policy
typically includes.
Fire, including bushfires
Storms, floods, and storm surges
Lightning and weather-related damage
Theft and break-ins
Malicious or accidental damage
Damage to contents in storage or while in transit
Flexible limits for high-value personal items
Generally not covered
Buildings under construction or renovation
Cash, gift cards, tickets, vouchers, or negotiable documents
Unusable electronic or electrical items
Temporary or movable structures (e.g. caravans, houseboats, motor vehicles)
Certain high-risk or unlisted items without additional cover
Varies by insurer. We confirm before you buy.
Home insurance,
answered plainly.
What is the difference between home insurance and contents insurance?
Home (building) insurance covers the physical structure of your house, including fixtures. Contents insurance covers your personal belongings inside the home such as furniture, electronics and clothing. Most people combine both in a single home and contents policy.
How do I avoid being underinsured?
Insure your home for its full rebuild cost, not its market value, and calculate the true replacement value of your contents on a new-for-old basis. Review your sum insured regularly, especially after renovations or major purchases.
Does home insurance cover floods and bushfires?
Cover for storms, floods and bushfires varies by insurer and policy. If you live in a high-risk area, confirm these events are included and check any specific limits or excesses before you buy.
What is usually excluded from home insurance?
Common exclusions include buildings under construction, cash and negotiable documents, temporary or movable structures such as caravans, and certain high-value items unless they are specifically listed.
Get a home quote
this week.
No obligation. Plain English.