Home Insurance

Protects your home building against damage or loss.

Home insurance (also known as building insurance) covers the structure of your house and other fixtures on your property (like a garage or shed) against events like fire, storm, theft, and vandalism. In Australia, home insurance policies typically cover natural disasters such as bushfires, storms, and sometimes floods (flood cover might be optional in some areas). It also usually includes legal liability, which protects you if someone is injured on your property and you are found liable. Home insurance ensures you can repair or rebuild your home without facing huge out-of-pocket costs after unexpected damage.

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Key Benefits

Rebuild/Repair Coverage

Covers the cost of repairing damage or fully rebuilding your home if it's destroyed by insured events like fire, storms, or other disasters—saving you from potentially devastating expenses.

Natural Disaster Protection

Offers financial protection against common natural disasters in Australia, such as bushfires, severe storms, and (with optional cover) floods, ensuring your home is covered when nature strikes.

Liability Cover

Includes personal liability insurance. For example, if someone is injured on your property (like a visitor slipping on a wet driveway) and you're legally responsible, this cover can handle the legal costs and any compensation awarded.

Recommended Insurance Coverage

Contents Insurance

Covers your personal belongings in the home.

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Landlord Insurance

Safeguards rental property owners from tenant-related risks.

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Caravan Insurance

Specialised cover for caravans, both on-road and at camp.

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Frequently Asked Questions

Home (building) insurance covers the structure of your house and fixed fittings (like built-in cabinets) against insured events. It typically doesn't cover your personal belongings – those are covered under contents insurance. Some policies might also cover fixtures like swimming pools or fences, but check your policy for specifics.

Many home insurance policies offer flood cover, but it can sometimes be an optional add-on or have specific conditions. Because some regions have high flood risk, insurers may price this cover separately. It's important to check if flood (and actions of the sea) are included in your policy and consider adding it if you live in a flood-prone area.

You should insure your home for the amount it would cost to rebuild it from scratch (including demolition and debris removal). This is called the 'sum insured'. Many insurers provide calculators to help estimate rebuilding costs. It's important to review this amount regularly to ensure it keeps up with construction cost inflation and home improvements.

Home insurance isn't required by law in Australia, but if you have a mortgage, your lender will usually require you to have it. Even if it's not required, having home insurance is highly advisable to protect your significant investment in your property.

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