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.
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.
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
Burglary or theft, caused by a forced break-in and vandalism or malicious damage.
Accidental breakages, damage caused by falling trees during a storm or the impact of a car.
Earthquake, tsunami, lightning strikes, storm, rainwater, hail and wind and water damage from certain leakages.
Cover for flood and cover for fire or explosion
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.
*Disclaimer: The information contained in this case study is used only for the purpose of illustration. Individual circumstances, insurance and coverage may vary.
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