Protect your home and belongings.
Our partner specialists will help you find home and contents insurance from leading Australian insurers — whether you're a homeowner, landlord or renter.
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What's your situation?
What you need to know.
Buildings vs contents — what's the difference?
Buildings insurance covers the physical structure of the property — walls, roof, floors, built-in fixtures and fittings. Contents insurance covers your personal belongings — furniture, appliances, clothing and electronics. Homeowners and landlords typically need both. Renters only need contents insurance — your landlord's buildings policy does not cover your personal possessions.
The importance of the right sum insured
The most common issue at claim time is underinsurance — being insured for less than it would cost to rebuild the property. Your sum insured should reflect the full cost to rebuild, not the market value of the property. Rebuild costs can be significantly higher than market value, particularly for older homes. Review your sum insured annually.
Optional extras worth considering
Standard home and contents policies may exclude or limit flood cover, accidental damage, and portable valuables (such as jewellery or a laptop taken outside the home). These are typically available as optional extras for an additional premium. Flood cover in particular has become more important given increasing extreme weather events across Australia.