Norwest NSW
Home & Contents Insurance
Your home is probably your biggest asset, and what's inside it adds up faster than most people think. Furniture, clothes, electronics, appliances, jewellery.
Home and contents insurance can protect both the building and your belongings against events like fire, storm, theft and accidental damage.
Home (building) cover
Covers the structure, including fixtures like built-in wardrobes, kitchen cabinets and bathrooms, plus often fences, sheds and driveways.
Contents cover
Covers movable items: furniture, appliances, electronics, clothing and personal belongings.
What it can cover
- Fire, storm and water damage
- Theft and burglary
- Accidental damage, as an optional extra
- Temporary accommodation if you can't live at home after a claim
- Valuables like jewellery, with specified item limits
What to check
Sum insured
Work it out as rebuild cost, not market value.
Flood
Not always included. Check the definition.
Valuables
Items over a set amount may need to be listed.
Landlords and tenants
Landlords need different cover from owner-occupiers, and tenants only need contents.
Case study
An example
A storm drops a tree branch through the roof of a family home. Rain damages the ceiling, carpet and lounge. The building cover pays for the roof and ceiling. The contents cover pays for the lounge and carpet if it's a contents item. Temporary accommodation may be covered while repairs are done.
Illustrative example only. Cover depends on your policy wording.
Contact us
To quote, we'll ask about:
We're based at Suite 2.02, 2-8 Brookhollow Ave, Norwest NSW. Call 02 8660 2305 or email admin@idealbrokers.com.au.
Ideal Insurance Brokers, Norwest NSW 2153. Ideal Brokers Pty Ltd (CAR No. 001262504 | ABN 65 623 205 952) is a Corporate Authorised Representative of Metrix Connect Pty Ltd ACN 635 286 136 as the trustee for the Metrix Connect Hybrid Trust ABN 55 742 327 931 | AFSL No. 525491. This page contains general information only and does not take into account your objectives, financial situation or needs. Read the Product Disclosure Statement before buying.
Home and contents insurance FAQs
Owners generally do. Tenants only need contents.
Add up what it would cost to replace everything today. Most people guess low.
Only with portable cover. Ask us.