Home & Contents Insurance That Protects Your Home and Everything in It

Flexible home and contents cover for homeowners, renters and families across Australia.

Protection for your home, buildings and fixtures
Cover for household contents and personal belongings
Optional accidental damage protection
Combined or standalone policy structures available

Get My Home & Contents Insurance Quote

Request a Home & Contents Insurance Quote

Full Name

Email Address

Phone Number

Property address

Cover type

Occupancy type

Building Value

Contents Value

No obligation. Cover tailored to your home and lifestyle.

Understanding Your Cover

What Is Home & Contents Insurance?

Home & Contents Insurance protects your home, personal belongings and lifestyle against unexpected events such as fire, storm, theft, vandalism and accidental damage.

Whether you own or rent, this insurance helps cover the cost of repairing or replacing your property and possessions if something goes wrong. Policies can be arranged as home only, contents only or combined, with options ranging from standard homes through to prestige and high-value residences.

Is This For You?

Who Home & Contents Insurance Is For

This insurance is commonly arranged by:

Owner-occupiers

Tenants and renters (contents only)

First-home buyers

Families and couples

High-net-worth individuals

Owners of prestige or architect-designed homes

Holiday home owners

Townhouse and strata lot owners (contents only)

Cover Options

What Does Home & Contents Insurance Typically Cover?

Building (Home) Cover

Structure of your home, including walls, roof, fixtures, built-in appliances and permanent fittings.

Contents Cover

Furniture, electronics, clothing and personal belongings against insured events.

Accidental Damage (Optional)

Sudden and unintended damage such as spills or breakage.

Theft & Vandalism

Loss or damage caused by burglary or malicious acts.

Fire, Storm & Natural Events

Fire, storm, hail, lightning and explosion (flood subject to policy terms).

Beyond the Basics

Additional Covers & Policy Extensions

Flood cover (where available)
Temporary accommodation costs
New-for-old replacement of contents
Portable contents cover
Valuables and specified items cover
Motor burnout and fusion
Legal liability to others
Home office and business equipment
Increased building sums insured
Extended replacement cost options
Prestige home policies may offer broader cover, higher limits and fewer exclusions.

Policy Options

How Home & Contents Insurance Is Structured

Home Only

Covers the building structure and permanent fixtures.

Contents Only

Covers household belongings, suitable for renters or strata owners.

Combined Home & Contents

Comprehensive protection for both building and contents.

Policies are typically annual, with sums insured selected for both home and contents. Excesses apply per claim, and claims may be settled by repair, replacement or cash payment. Correct valuation is critical to avoid underinsurance.

Why It Matters

Tailored home and/or contents solutions

Protects one of your largest financial assets

Covers replacement of personal belongings

Provides security after major events

Supports faster recovery after loss or damage

Covers legal liability for injury to visitors

Protect Your Home and Belongings With Confidence

Speak with a broker who understands your home and lifestyle needs.

Get My Home & Contents Insurance Quote

FAQ's

Home insurance covers the structure of your home, including walls, roof and permanent fixtures. Contents insurance covers your personal belongings, such as furniture, appliances, clothing and electronics. Policies can be arranged separately or combined.

Renters do not need home insurance for the building, but contents insurance is strongly recommended to protect personal belongings and provide liability cover if someone is injured at the rented property.

Your home should be insured for its full replacement cost, including demolition, debris removal and rebuilding to current building codes. This is not the same as market value. Professional rebuild calculators or valuations are recommended.

Contents should be insured based on the total cost to replace all belongings new, including furniture, clothing, electronics and household items. Underestimating contents value is a common cause of underinsurance.

Accidental damage is often optional and must be selected at policy inception. It provides broader cover for sudden and unintended damage, such as spills or breakages, that may not be covered under standard policies.

Flood cover is not always automatic and may be optional depending on the insurer and property location. Some areas may have exclusions or higher excesses. Broker advice helps confirm availability and terms.

High-value items such as jewellery, watches, artwork and collectibles often need to be listed separately to ensure adequate cover, especially when taken outside the home.

If you need to make a claim, contact Seguro Insurance Brokers directly. Our team will guide you through the claims process, help you gather the required documentation and liaise with the insurer on your behalf to ensure your claim is handled efficiently.

Only if portable contents cover is selected. This extension covers items such as phones, laptops or jewellery while away from the insured address.

Yes, most policies include legal liability cover if someone is injured or their property is damaged at your home and you are found legally responsible.

Common exclusions include:

Claims can usually be lodged online or through your broker. Depending on the loss, insurers may arrange repairs, replace items or provide a cash settlement after applying the excess.

broker helps ensure:

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