Contents Coverage: Whose Insurance Pays?If your personal belongings are damaged in an incident such as a flood or fire, whose insurance pays? If you are a landlord or tenant, you need different insura …
Home Contents Insurance
Our homes are our safe havens – where our most precious people and belongings live. Damage or loss to your home and its contents can therefore be deeply distressing.
Not to mention, extremely expensive to replace and repair. Protecting your home and contents gives you peace of mind that you’ll be covered should the worst happen.
Do I need Home Contents Insurance?
If your home and contents were destroyed would you be able to afford to replace everything yourself? If not, you should consider Home Contents Insurance as a critical safeguard.
What can Home Contents Insurance cover?
Depending upon the specific policy, Home Contents Insurance can cover:
- Damage from flood, fire, explosions, natural disasters such as earthquakes, storms or lightning strikes.
- Damage from vandalism or break-ins.
- Third-party liability
- Damage or theft of your possessions, including furniture, art, electronic goods, whitegoods, sporting equipment and jewellery.
What isn’t covered?
There are exclusions and there is often also a deductible or excess and/or other limits on cover. We can make sure you are aware of all that apply to the cover you select so talk to us about your specific needs and concerns.
Other things to consider
The majority of Australians are underinsured when it comes to their Home Contents Insurance policies or are not insured at all. With bush fires making headlines nationwide, it pays to make sure you are adequately protected. We can help you work out what the real value of your home and its contents are and what level of coverage you need.