Home Insurance is designed to protect residential property against certain insured events.

Cover is generally available as:

• Building Insurance: Covers the residential building and certain permanently attached fixtures.
• Contents Insurance: Covers eligible household contents and personal belongings.
• Building and Contents Insurance: Combines both types of cover under one policy.

Depending on the insurer and policy selected, insured events can include:

• Fire
• Storm
• Theft
• Malicious damage
• Water damage
• Accidental damage, where selected or included

Policies can also include benefits such as temporary accommodation and legal liability.

Working from home #

If you operate a business from home, tell your insurer.

Home Insurance may provide only limited cover, or no cover, for:

• Business equipment
• Stock
• Customers visiting the property
• Business activities undertaken from the premises

Separate Business Insurance may therefore be required.

Is an investment property covered? #

Home Insurance designed for an owner-occupied property may not be appropriate once the property is rented to tenants.

A Landlords Insurance policy is generally designed for residential rental-property exposures.

If the way your property is occupied changes, tell your insurer or broker so the cover can be reviewed.

Contact our team if you need assistance reviewing Home Insurance.