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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.
The Broad Risk Difference
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"You First" Principle
Your business comes first. We align our services with your values and needs, providing expert advice and insurance protection that allows you to focus on what matters most—growing your business with peace of mind.
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Accountability
We take full responsibility for the services and recommendations we provide. Every action is designed to deliver results, fostering trusted, long-term relationships with our clients. Your satisfaction and security are at the forefront of everything we do.
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Expert Solutions
With over 15 years of experience, we specialise in delivering tailored advice and solutions to protect your business. We customise our offerings to your unique needs, ensuring comprehensive coverage and peace of mind.
Frequently Asked Questions
1. How much coverage do I need for my home and contents?
The amount of coverage you need should reflect the rebuild cost of your home and the replacement value of your contents. It's important to regularly review and update your policy to ensure adequate coverage.
2. Are my belongings covered outside of the home?
Some policies include 'personal effects' coverage for items you take outside the home, such as jewelry or laptops. Check with your insurer for the specifics of your policy.
3. What should I do if I need to make a claim?
Contact your insurer as soon as possible to report the incident. Provide any necessary documentation, such as police reports for theft, and a list of damaged or lost items.
4. Can I get a discount on my home and contents insurance?
Many insurers offer discounts for various reasons, such as having multiple policies with them, installing security systems, or maintaining a claims-free record.
5. Does home and contents insurance cover natural disasters?
Most policies cover a range of natural disasters, but it's important to read the fine print as some events, like earthquakes or floods, may require additional coverage.