Your home holds more than possessions — it holds everyday moments and memories. Learn about building and contents cover so you can explore suitable protection with greater confidence.
Insurance wording can sometimes feel complicated. Start with these three areas to understand what to review before choosing a home insurance policy.
Building cover may protect the insured structure of your property against specified events, depending on the policy.
Review the building sum insured, valuation basis, covered risks and policy exclusions.
Contents cover may protect eligible belongings such as furniture and appliances against risks listed in the policy.
Understand item limits, valuables cover, proof of ownership and how belongings are valued.
Not every event or item is automatically covered. Exclusions, deductibles and limits vary between policies.
Read the exclusions, claim requirements and conditions that apply to your property and belongings.
Every home is different. Your needs may depend on whether you own or rent the property, what you keep inside it and the protection available under a policy.
Explore building cover if you want to understand protection for the insured structure, subject to the policy wording.
Review contents cover for eligible furniture, appliances and other household possessions, including any item-specific limits.
Ask whether a policy or suitable combination can address both the structure and eligible belongings. Check the terms carefully.
You don't need to understand every insurance term at once. Start with these questions, then review the policy documents or ask for clarification before making a decision.
Whether you're exploring building cover, contents cover or simply trying to understand your options, our team can help you start an enquiry and identify the details to review. Final coverage depends on the insurer and policy terms.
