Home and contents insurance is a combined policy that includes features of both home insurance and contents insurance. Combined policies of home and contents insurance may be available through particular insurers. Some insurers even offer discounted policies for homeowners interested in purchasing both home and contents insurance under one premium.
Home insurance generally covers the cost of rebuilding or repairing your home. This includes the bricks and mortar, roof and other structures on your property, such as sheds and garages. Home insurance may also protect your home from damage outside of your control, such as natural disasters (including storms, floods and bushfires). Check your policy carefully, as sometimes flood and other disaster events need to be specified and may require additional costs.
Contents insurance is focused on your possessions, rather than the building itself, and can include things such as clothes, jewellery, furniture, and appliances. Your items can be covered from natural disasters, and depending on the policy, may also be protected from accidental damage, theft and electrical surges. It’s important you read the insurers product disclosure statement for details on policy inclusions, exclusions and limitations.
.svg)
