Home and Contents Insurance Victoria

What are the benefits of Home and Contents Insurance?

Everybody wants to feel that their home and belongings are safe and secure. Home and Contents Insurance could help you achieve some of that peace of mind.  

If you’ve spent nights awake catastrophising about how you’d recover from hypothetical disasters, you might find researching Home and Contents Insurance quite soothing. If there’s, say, a fire? A storm? Lightning damage? A tsunami? Okay, that last one is somewhat less likely in Victoria than in many parts of the world, but if any of these events did happen, you’d likely be covered. What about a burst pipe, gas explosion, or a tree falling on your house? Same deal.

What are the risks to your home and contents in Victoria?

Aussies aren’t strangers to scary weather, and with the progress of climate change, that prospect is unfortunately becoming more likely. In Victoria, we have the dubious privilege of living in the most dangerous fire region in the world. Luckily, insurance policies can help you manage that risk. Home and Contents Insurance often covers you for bushfire damage up to your insured sum. If you live in the inner city, you likely have a lower risk of bushfires, but you might still want to consider whether you’re covered for smoke damage. 

Victoria also has a good number of flood-prone areas, with homes and businesses potentially at risk. You often have the option to take out Flood Cover as an optional extra with your Home and Contents Insurance Plan. That means if you’re in a flood-prone area – or even just a potentially flood-prone area – you get peace of mind. And if you’re not, you don’t have to pay for it as an optional extra.

Hey Victoria, have you considered Landlord Insurance?

Are you a landlord, or thinking about becoming one? If so, you might be wondering how Home and Contents Insurance might apply to your investment property. Luckily for you, there’s a type of Home and Contents Insurance specifically designed for landlording. It’s called Landlord Insurance, and it can cover your property, plus any of your belongings that stay in the property. You can also opt to be protected for lost income if you don’t receive an expected rent payment. 

How to compare Home and Contents Insurance in Victoria

As you can see, what you want from Home and Contents Insurance can vary a lot depending on your location and circumstances. That’s why it makes sense to do some research. If that sounds like a lot of work, we can help! Our trained consultants can talk through your particular needs and help you compare policies.* Try it out now – it’s easy and quick.