One of the first things you should think about when considering protection policies is Home and Contents Insurance. You can get insurance for your first tiny rental all the way up to luxury waterside homes.

1. Home and Contents Insurance
One of the first things you should think about when considering protection policies is Home and
Contents Insurance. You can get insurance for your first tiny rental all the way up to luxury waterside
homes.
The most important thing about Home and Contents is that it provides cover for your building,
fixtures and fittings. That means all the inside and outside structural elements of your home, should
they become damaged in any way.
It also covers any belongings, personal effects and household contents that you choose to include. If
you need to, we can often cover items stored in garages, or even things left in your car when you’re
on the road.
Home and Contents policies provide cover for costs associated with re-building or repairing damage.
That means you can cover the cost of hiring trades to fix problems. You can also choose to add
specific cover if your home is at risk from fire, flood or other dangerous weather conditions.
You should always wait until your claim is confirmed before replacing anything non-urgent, but there
are things you can get moving with before then.
When something happens to your home that makes it unliveable, phone us immediately. That way
we can give you the best advice possible before you take action. The most important thing to do
when you need to make a claim but need to fix things NOW is to take photos of the damage and get
witnesses.
Claim Now
Getting back to normal
In fact, the most important thing you can do to make sure everything goes back to normal after a
domestic disaster is to take photos now. When you take photos, we can make sure that everything is
put back just the way you like it.
Don’t forget the things INSIDE your home too. As a result of damage to the outside of your home,
things inside will probably also have been damaged.
How much stuff and how much cover?
Do you know how much it would cost to replace everything in your home if the worst were to
happen? One of the easiest things you can do is to go around your house with a calculator. Add up

2. everything you might need to replace on a Home and Contents Insurance policy claim. It can be
surprising just how much you’ve spent on things over your lifetime.
Don’t forget the things you don’t think twice about. Everyone thinks about things like the television
or your laptop, but a lot of disruption can be caused by something like your washing machine
suddenly breaking down. If there’s a hole in your roof, you might find that there’s suddenly soggy
mattresses that need to be replaced or toys that will never be the same again.
What happens when something can't be replaced?
Things are often handed down through the generations and have great emotional value. Maybe you
have bespoke pieces of art or furniture that have been created just for you. It’s very sad to imagine
something irreplaceable being damaged, but it is still best to be prepared. At SureInsure we can put
you in touch with experts that can provide you with a realistic estimate average value of home
contents Australia. That way, even if you lose something you love, you’ll be able to think about a
suitable replacement.
Personalise your Policy
Home and Contents Insurance Tips
Here are a few tips to consider when looking for home and contents insurance:
To shop for insurance, start by making a list of all items in your home that need coverage. Then,
compare policies from different insurers to find the best coverage for your needs. Consider coverage
limits, deductibles, and additional features or benefits offered.
Your excess is the amount you pay out of pocket before insurance coverage begins. Opting for higher
excess results in lower premiums but more out-of-pocket expenses if you file a claim. It’s important
to consider your finances and the chances of making a claim before deciding on your excess.
Home and contents insurance can include a range of different coverage options, such as natural
disaster coverage, liability protection, and personal property coverage. Make sure you understand
what each type of coverage entails before choosing a policy.
If you also need auto insurance or other types of coverage, bundling your policies with the same
company can often save you money.
It’s important to review your policy regularly to ensure that it still meets your needs especially when
there are major changes to the home or the acquisition of new valuable items.
Home and contents insurance can be switched at any time, not just at renewal. This can potentially
save money, but some insurers may charge cancellation fees for early termination.