Home And Contents FAQ

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iSelect does not compare all providers in the market or all policies offered by our partners in your area. Not all policies or special offers are available to all customers and some may only be available over the phone or on the website. Learn more.

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Updated 25/03/2024
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Written by

Francis Taylor

Updated 25/03/2024

What changed?

Updated sources, trimmed sections, updated intro
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.

Find out more about how we make money.

View our Privacy Policy.

Compare home and contents insurance the easy way

Save time and effort by comparing a range of home and contents insurance policies with iSelect

General Questions
Home Insurance or Building Insurance
Contents Insurance
Excess
Landlord Insurance
Managing your policy
Flood Cover
Motor Burnout
Personal Contents Cover
Renters Insurance

Home and Contents Insurance can look pretty straightforward from a distance but depending on your situation, there can be a lot more than meets the eye. Do you know about instalment payments? Market value? Paying an excess? 

If you’re looking for answers, this is the right place. Start reading and get learning!

General

What is Home & Contents Insurance?

What does Home and Contents Insurance cover?

What isn’t covered by Home and Contents insurance?

Is Home and Contents Insurance compulsory?

What does ‘sum insured’ mean?

What’s the difference between a home’s market value and the replacement cost?

What if the amount I insure my home for is too low?

How do I add optional extras to my home insurance policy?

What information do home insurers ask for?

Am I covered while my property is being renovated?

How can I tell which Home and Contents policy is great for me?

Home Insurance or Building Insurance

What is Home Insurance? Is it the same as Building Insurance?

When should I get Home Insurance?

Do apartment owners need Home or Building Insurance?

Can I add Contents to my Home Insurance policy?

How do I estimate the cost of rebuilding my home?

Does Home Insurance cover temporary accommodation?

Contents Insurance

Are phones and jewellery covered by Contents Insurance?

Is my smartphone covered?

What is Contents Insurance?

What events does Contents Insurance cover?

What items does Contents Insurance cover?

What is ‘new for old’ replacement?

How do I estimate the cost of replacing my contents?

Excess

What is a Home Insurance excess?

If I make a Home / Contents claim, what will my excess be?

When do I pay my Home Insurance excess?

Can I change my Home Insurance excess?

Can I pay my Home and Contents excess in instalments?

Landlord Insurance

How does Landlord Insurance work?

What does Landlord Insurance typically cover?

Am I legally required to get Landlord Insurance?

How is Landlord Insurance different from Home Insurance?

Will my contents be replaced under my Landlord Insurance policy?

Managing your policy

How can I reduce the cost of my Home and Contents policy?

I’m selling my house – what do I need to do with my home and contents insurance?

My policy renewal shows my premium has increased – why is that?

Do I have to accept the higher sum insured in my policy’s renewal notice?

Is there a cooling off period for renewals?

Can Home Insurance be transferred to another home?

I’m building a new home – when can I insure it?

Flood Cover

What is flood cover?

What exactly does flood cover include?

How do I know if I live in a flood zone?

How can I find out whether I’m covered for a flood?

How is a flood defined?

Can renters / tenants get flood cover?

Motor Burnout

What is motor burnout cover?

Should I add motor burnout cover to my Home and/or Contents insurance?

What is typically covered by motor burnout?

What won’t generally be covered for motor burnout?

Personal Contents Cover

What is Portable Contents Cover?

What does Portable Contents Cover insure?

Can you claim lost items on Home Insurance?

Will I still be covered if I travel overseas?

Renters Insurance

What is Renters Insurance?

What does Renters Insurance cover?

What does Renters Insurance not typically cover?

What do I need to consider before buying Renters Insurance?

Get started on comparing home and contents today!

Save time and effort by comparing a range of home and contents insurance policies with iSelect

iSelect does not compare all home and contents insurers or policies in the market. The availability of policies may change from time to time. Not all policies 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. Some policies are only available from iSelect’s call centre or website. A number of our participating general insurance brands are arranged by Auto & General Services Pty Ltd ACN 003 617 909 on behalf of Auto & General Insurance Company Limited 111 586 353, both of which are related entities of iSelect Limited. Our relationship with those companies does not impact the integrity of our comparison service. Click here to view iSelect’s range of providers.

iSelect General Pty Ltd ABN 90 131 798 126, AFS Licence Number 334115. Any advice provided by iSelect on this website is of a general nature and does not take into account your objectives, financial situation or needs. You need to consider the appropriateness of any information or general advice iSelect gives you, having regard to your personal situation, before acting on iSelect’s advice or purchasing any policy. You should consider iSelect’s  Financial Services Guide  which provides information about our services and your rights as a client of iSelect. iSelect receives commission for each policy sold that is a percentage of the premium or a flat fee. Ask us for more details before we provide you with any services.