Home and Contents Insurance

Send us your details and we will put together a home and contents quote. It is the same broking service we provide to business clients, applied to your own address: we compare the market rather than quoting a single insurer.

Buildings, Contents or Both

Home insurance is generally arranged as building cover, contents cover, or both on one policy. Building cover generally relates to the structure of the home and its permanent fixtures, while contents cover relates to household items and personal belongings. What counts as a building item or a contents item differs between insurers, so check the definitions in the Product Disclosure Statement (PDS). Our guide to the difference between buildings and contents walks through common examples.

Units, Apartments and Townhouses

If you own a lot in a strata scheme, the building is usually insured by the owners corporation or body corporate under a strata policy, and you may only need contents cover for what is inside your lot. The strata policy and by-laws set out where the line sits, so check both first. See strata insurance and water damage in strata: who pays.

Choosing a Sum Insured

The sum insured is the most the insurer will pay, so it should reflect what it would cost to rebuild the home or replace your contents today, not what you originally paid. Underinsurance can reduce what a claim pays; our guide to underinsurance and co-insurance explains how.

What We Will Need

The address, roughly what you would need to rebuild, and an estimate of what your contents are worth. If you are not sure on either figure, say so on the form — a broker can work through it with you rather than leaving you to guess.

What Happens Next

A broker reviews your details, compares the available options and comes back with a written summary of what is covered and what it costs. Prefer to talk first? Call 1300 983 940.

General advice only. This page does not take your objectives, financial situation or needs into account. Consider the relevant PDS and Target Market Determination before deciding on a policy.