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Home & Contents Insurance

The Insurance Every Home & Contents Insurance Needs to Know About

Home & Contents Insurance provides homeowners and renters with peace of mind by protecting their property and possessions from a range of risks. This insurance typically covers the structure of your home and the personal belongings inside against damage, loss, or theft. It's designed to help you cover the costs of repairs or replacement and ensure that your home and lifestyle are safeguarded.

What is Typically Covered:

  • Building Cover: Protection for the physical structure of your home, including the roof, walls, and floors against events like fire, storm, and flood.

  • Contents Cover: Covers your personal belongings within the home such as furniture, electronics, and clothing against theft, loss, or damage.

  • Accidental Damage: Coverage for unintentional damage to your home or personal belongings.

  • New for Old Replacement: Many policies offer replacement of items with new ones, without considering depreciation, in the event of a claim.

  • Temporary Accommodation Costs: If your home is uninhabitable after an insured event, your policy may cover the costs of temporary housing.

What is Not Typically Covered:

  • General Wear and Tear: The gradual deterioration of the home or contents over time is not covered.

  • Unoccupied Homes: If your home is unoccupied for an extended period, typically more than 30 days, it may not be covered unless you've notified your insurer.

  • Intentional Damage: Damage that you deliberately cause to your property is not covered.

  • Business Activities: If you run a business from your home, any related equipment or stock may not be covered under a standard home and contents policy.

  • High-Value Items: Expensive items that exceed a certain value may require additional coverage to be fully insured.

  • What is Business Insurance?
    Business insurance is a broad term for various policies designed to protect businesses from financial losses due to unforeseen events such as property damage, liability claims, employee-related risks, and more. It's a safeguard that helps ensure the continuity and stability of your business operations
  • Why Does My Business Need Insurance
    Insurance is essential for any business as it provides financial protection against common risks that could otherwise result in significant financial hardship or even the closure of your business. It covers everything from property damage and liability to employee dishonesty and electronic equipment breakdown.
  • How Much Does Business Insurance Cost?
    The cost of business insurance varies widely based on factors such as the size of your business, the industry you're in, the types of coverage you need, and your claims history. To get an accurate quote, it's best to speak with an insurance broker who can assess your specific needs.
  • How Do I know What type of Insurance My Business Needs?
    Determining the right type of insurance for your business depends on various factors, including the nature of your business, the risks associated with your industry, and your business's specific needs. An insurance broker can help you assess your risks and recommend the appropriate coverages.
  • Can I Customise My Business Insurance Package?
    Yes, business insurance packages are highly customizable. You can choose to include or exclude specific coverages based on your business's unique risks and requirements. An insurance broker can assist you in building a tailored insurance package that fits your business.
  • What Happens if I Don't Have Business Insurance?
    Operating without business insurance exposes you to significant risks. If an unforeseen event occurs, such as a lawsuit or property damage, you would have to pay out of pocket for any losses or damages. This could have a severe impact on your business's finances and could even lead to bankruptcy.
  • How Often Should I Review my Business Insurance?
    It's recommended to review your business insurance coverage at least annually or whenever there are significant changes to your business, such as expansion, offering new products or services, or purchasing new equipment. Regular reviews ensure that your coverage remains adequate as your business evolves.
Business Insurance Contact

If you would like more information on Professional Indemnity Insurance please fill out the below contact form or call Warren direct on 0422 131 401

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