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Home & Contents

Home insurance can protect you from financial risk if your home is damaged or destroyed and can also cover your home’s contents if they are damaged, lost or stolen.

Who should consider Home & Contents protection?

If your home and its contents were damaged or destroyed in a natural disaster or accident, or all your valuables were stolen, could you afford to replace them?

Home & contents insurance can even protect you against legal liability if someone is injured on your property.

You can take out cover for specific listed events only or for wider accidental damage cover, depending on your needs.

Who should consider Business Interruption protection?

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If your business suffered an unexpected disruption such as fire, flood or storm - how long would it take to get up and running again?

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For most business owners, there are ongoing expenses that you need to pay even if you're not generating revenue.

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Business interruption insurance can get you through a temporary crisis by protecting your cashflow - so you can pay these expenses and help ensure the future of your business.

What can it cover?

You have a choice of options, with different levels of cover and inclusions available. The exact cover you can receive depends on the policy that you take out. But to give you an idea, here are some of the benefits.

Theft

Burglary or theft, caused by a forced break-in and vandalism or malicious damage.

Accidentals

Accidental breakages, damage caused by falling trees during a storm or the impact of a car.

Natural Disasters

Earthquake, tsunami, lightning strikes, storm, rainwater, hail and wind and water damage from certain leakages.

Fire & Flood

Cover for flood and cover for fire or explosion

Advice when it matters. Advocacy when it counts.

Case Study

Scenario: During the 2017 Northern New South Wales floods, Michelle's family home and all its contents were severely damaged by floodwaters.

Outcome: Michelle's Home Insurance policy included automatic cover for flood, so it covered the costs of repairing the damage that floodwaters had done to the walls and floors of her home. It also covered the cost of replacing his furniture and white goods. And, because she and her two children had to move out while her home was being repaired, her policy took care of the costs of living in rental accommodation during this time.

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*Disclaimer: The information contained in this case study is used only for the purpose of illustration. Individual circumstances, insurance and coverage may vary.

FAQs

Clear answers to help you understand our insurance solutions quickly and confidently

What can I expect from a Gow-Gates broker?

You’ll work directly with experienced brokers who take the time to understand your risk, challenge assumptions, and give advice that stands up when tested. We don’t disappear after placement. We stay accountable through claims, renewals, and change.

Do you work with businesses of all sizes?

We support a wide range of organisations, from growing businesses to complex national entities. Regardless of size, our approach remains the same: senior involvement, considered advice, and accountability for outcomes.

Which insurers do you work with?

We work with more than 150 Australian and international insurers. But our role isn’t to compare quotes, it’s to structure the right insurance program and negotiate outcomes on your behalf. We advocate for you in the market, not the other way around.

What happens if I need to make a claim?

Claims are where brokers prove their value. We manage the process end‑to‑end, challenge insurers where needed, and stay involved until resolution. You deal with the same team who advised you upfront, because accountability doesn’t stop when a premium is paid.

How do you approach insurance advice?

Insurance is a tool, not a product. Our advice starts with understanding your business, identifying where risk genuinely sits, and designing cover that reflects reality, not boilerplate policy wordings. That approach leads to better decisions and fewer surprises at claim time.

Let’s Connect

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