Home and Contents

Home & Contents Insurance Policies provide protection for your personal assets against, Fire, Storm Damage, Theft, Malicious Damage and Glass Breakage.

There are several different policy types available for your Home & Contents insurance, commonly referred to: 

 

Defined or Listed Events              

Provides cover for listed events such as Fire, Theft, Malicious Damage, Glass Breakage, Storm Damage and Earthquake (generally flood cover is not automatically included and may not be available from some insurers).

Includes replacement cost as new coverage even though your property or contents may be many years old. 

Legal liability for bodily injury or property damage Temporary accommodation costs while your residence is being repaired or rebuilt. This is what would be considered a standard basic policy.

 

Accidental Damage  

Provides cover for accidental loss or damage to your Home or Contents and includes automatic cover for personal items of contents away from home such as jewellery, camera, sporting equipment and other
contents  (subject to policy limits which varies from insurer to insurer)

It also includes all the cover afforded under the Defined Events Policy for listed events such as Fire, Theft, Malicious Damage, Glass Breakage, Storm Damage and Earthquake (generally flood cover is not automatically included and may not be available from some insurers).                                    

Includes replacement cost as new coverage even though your property or contents may be many years old.

 

Legal liability for bodily injury or property damage.

Temporary accommodation costs while your residence is being repaired or rebuilt.                                  
 
It offers a much broader coverage than defined events.

 

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