Building
The insured value should reflect rebuilding cost, not the property's market price.
Home Insurance
Your home protects much more than possessions.
Good protection should distinguish the building from its contents, reflect the true rebuilding value and match how the property is used.
Well-sized protection
Do you know exactly what is insured?
Contents
Furniture, appliances, clothing and personal items may be worth more than expected.
Property use
Owner-occupied, rented, second or unoccupied homes have different exposures.
Special possessions
Jewellery, art, bicycles or electronics may require identification or specific limits.
Practical tips
Keep your protection up to date.
- Keep a simple contents inventory and photographs of important possessions.
- Review insured values after renovations or major purchases.
- Periodically check plumbing, roofing and electrical installations.
- Know the applicable excess before reporting a lower-value claim.
Personal assessment
Protect your home based on what you actually have.
We help distinguish the building, contents, liabilities and priority cover.
Cover, insured values, limits, excesses and exclusions depend on the selected option and policy terms. This is general information and does not replace contractual documentation.