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*iSelect does not compare to all home and contents insurers in the market. The availability of policies may change from time to time. Not all policies made available from iSelect’s providers are compared by iSelect and due to commercial arrangements, area or availability, not all policies compared by iSelect will be available to all customers. See below for our range of home and contents insurers. Some policies are only available from iSelect’s call centre or online. Our advice on this website is of general nature and does not consider your situation or needs. Consider if any advice is appropriate for you before acting on it.  Learn more.
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iSelect Editorial TeamSave time and effort by comparing a range of home and contents insurance policies with iSelect
Unfortunately, living NT means that the state suffers the possibility of a variety of natural disasters occurring. When searching for a suitable policy, it may be important to consider where you live and its risks.
For example, in recent years, the Northern Territory has been battered by a Cyclone, bushfires monsoons and flooding. 1 Because of these kinds of extreme weather events, it makes sense that Northern Territory homeowners and renters might want to consider a level of Home and Contents Insurance that could help not only protect their home and dearest possessions but will also provide peace of mind.
With the possibility of bushfires, flooding, storms, cyclones, and monsoons there are a variety of risks to consider when living in the Northern Territory. That said, it is important to note that risks can change based on your location throughout the State.
Northern Territory and Darwin Home and Contents Risks:
Natural hazards in the Northern Territory and Darwin can occur without notice and at any time. For example, in 2019 Cyclone Trevor slammed the state with 250kph winds and resulted in 24 hours of damaging weather and 2,100 residents evacuating their homes. 2 As a result, the Northern Territory and Darwin’s homeowners and renters may consider this when comparing Home and Contents Insurance.
Now, we know what you’re thinking, Home and Contents Insurance may be very beneficial… but I don’t really get exactly what it is? And what the difference is between Home and Contents Insurance, Home Insurance, and Contents Insurance?
Home and Contents Insurance combines the features of both Home Insurance and Contents Insurance into a single policy.
This type of coverage may help homeowners to:
• Rebuild or repair their home and/or
• Replace the contents inside that property as a result of an insured event such as storms, lightning, fire and vandalism.*
Home Insurance (sometimes referred to as house insurance or building insurance) generally helps cover the cost of repairing or rebuilding the physical structure of your property.
This can include:
• Brick and mortar rebuild or repairs.
• Structural repairs such as roofs, sheds, and garages on the insured property.
Insurance for your house protects your home from damage that is out of your control and may protect your home in the event of natural disasters such as storms, lightning, bushfires, and floods.*
The Contents Insurance portion of the combined covers possessions within the home (building), as opposed to the actual building itself.
Possessions could include but are not limited to:
• Jewellery
• Clothes
• Whitegoods, electronics, and appliances
• Furniture
These possessions are often covered from a range of natural disasters, but can also be covered from theft, accidental damage, and electrical surges (note: some policies may require you to elect these options and it may come at an added cost).
It’s important to review the insurers Product Disclosure Statement to understand exactly what’s covered and what’s excluded.
Check out the link here to find out more about contents insurance.
The cost of Home and Contents Insurance can depend on many factors, such as your chosen level of cover, your claims history, whether you're just covering home, contents, or both, and the area that you live in.
In the Northern Territory, your Home and Contents Insurance can differ in cost depending on the market value of your home and the value of your possessions. There are many variables considered when calculating your premium, and this could also impact your cost. These variables can include your age, the materials used to build your home, how the home is used and of course, the location.
In short, if you live in an area that’s regularly exposed to extreme weather events, then you could pay a higher premium. But as we mentioned, a range of factors are taken into account, which is why it’s important to compare policies from a range of insurers.
If you are a Landlord, Landlord insurance may provide peace of mind when it comes to your property and its possessions. We all want to presume Our tenants are great, especially our highly vetted tenants! Yet we know that assuming the best doesn’t always provide the best safety new. Landlord Insurance could help protect you from a variety of events so it’s important to research your options. For more info on Landlord Insurance click here.
Research, research, research!
Comparing policies and providers is one of the best ways of ensuring you find a great deal on your Home and Contents Insurance. Comparing policy features, including optional extras, as well as limitations, exclusions, and price gives you the confidence that you’re making an informed decision.
Some factors you could consider when comparing are:
• How much it would cost to repair or re-build your home in the event of a fire or storm
• What the total value of your home contents adds up to
To find your homes Home and Contents Insurance match start by comparing from a range of policies and providers with iSelect.
