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Back to HomeHome insurance can help protect the building, belongings or both against insured events, subject to the selected policy.
Buildings and contents are insured differently. Comparing suitable options helps you understand what is covered, excluded and expected from you.
Buildings cover may protect the permanent structure and insured fixtures against specified events.
Contents cover may protect insured household belongings kept at the property, according to policy terms.
Insured events, security requirements, excesses, exclusions and valuation methods should be reviewed before you apply.
Four clear stages from describing your home to choosing suitable cover.
Share the property type, location and the cover you want to compare.
Your enquiry is shared with qualifying home insurance providers.
Compare premiums, excesses, insured events, exclusions and important conditions.
Select the option that best matches your property, belongings and budget.
Suitable cover can protect different parts of your home against specified events. The exact scope depends on the provider, policy and options selected.
PERMANENT STRUCTURE
HOUSEHOLD BELONGINGS
FIRE AND WEATHER
THEFT AND BURGLARY
PERSONAL LIABILITY
Cover, insured events, limits, excesses, exclusions, security conditions and valuation methods vary by provider and policy. Review the policy wording before you apply.
Choose the areas that matter to you, then compare how suitable policies define and protect them.
Protect the permanent structure and insured fixtures against specified events.
Protect qualifying furniture, appliances and belongings kept in your home.
Explore cover for qualifying loss or damage, subject to security conditions.
Compare protection for specified storm, fire or water-related damage.
Clear essentials about buildings, contents, insured value, excesses, security requirements and claims.
Buildings cover generally protects the permanent structure and insured fixtures. Contents cover generally protects qualifying household belongings. Definitions and limits vary by policy.
Buildings are usually considered using the cost to rebuild rather than the property’s sale price. Contents should reflect the cost of replacing qualifying belongings. Ask the provider how its valuation method works.
An excess is the portion of an accepted claim that you are responsible for paying. The amount can differ by claim type, risk and policy.
Theft or burglary may be covered when the event and circumstances meet the policy terms. Security requirements, forced-entry conditions, limits and exclusions may apply.
Some policies cover specified sudden water-related damage, while maintenance, gradual deterioration or certain causes may be excluded. Review the wording for the exact scope.
The insurer may request a description of the event, photographs, proof of ownership or value, repair estimates, police or incident reports and other supporting information.