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Home Insurance
Home insurance in Australia is a type of insurance policy designed to protect your home and personal belongings from various risks, such as natural disasters, theft, and damage. It helps homeowners cover the costs associated with repairing or replacing their property and possessions in the event of unforeseen incidents.
- Damage caused by natural disasters (e.g., storms, bushfires, floods).
- Accidental damage to the building’s structure.
- Theft or vandalism.
- Legal liability if someone is injured on your property.
- Loss or damage to personal belongings inside your home.
- Temporary accommodation costs if your home becomes uninhabitable.
- Optional extras, like accidental damage to valuables.
General Advice Warning: The information provided is general in nature and does not take into account your personal objectives, financial situation or needs. Before acting on this information, you should consider whether it is appropriate for your circumstances. Where applicable, you should read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making a decision.
Your duty to take reasonable care not to make a misrepresentation
When you apply for, renew, vary, extend or reinstate a consumer insurance contract, you have a legal duty to take reasonable care not to make a misrepresentation to the insurer. This means answering the insurer's questions honestly, accurately and completely. If you do not, the insurer may cancel your policy, reduce or refuse a claim, or treat the contract as if it never existed.
Before you buy
Read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for any policy before deciding. The PDS sets out what is and is not covered, the limits and the excesses. The TMD describes the class of customer the product has been designed for. We will provide the current PDS and TMD for any policy we recommend, or you can request them from us.