Property structure
May relate to the main structure and specified permanent fixtures, subject to the selected terms and limits.
Home and belongings protection
Understand what protection may cover before choosing.
Review common protection areas, information you may need to provide and the important limits or exclusions that can apply.
Protect what matters
Compare the cover, limits, exclusions and cost—not only the headline.
Choose the right scope
Understand the difference between property and belongings cover.
Review the limits
Check maximum amounts and any item-specific conditions.
Read the exclusions
Know which events, situations or items may not be covered.
Common cover areas
Start by deciding what needs protection.
Available products and terms can differ. These general categories help explain the areas you may see when comparing options.
Household belongings
May relate to eligible items kept in the home, with limits or additional conditions for certain belongings.
Combined protection
Some options bring property and belongings cover together under one set of documents.
The policy documents define the cover
Descriptions on this page are general. Only the current policy schedule, wording and accepted application confirm what is included.
Before requesting a quote
Prepare accurate information about the property.
Correct details help an available provider assess the request and present terms that reflect the property and belongings being considered.
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Property details
Construction, use, occupancy and other relevant characteristics may be requested.
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Estimated values
Use reasonable replacement or rebuild figures where the process asks for them.
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Previous events or claims
Provide complete information when previous incidents are requested.
What to compare
Look at the details behind the price.
An option that appears less expensive may provide different limits, exclusions or claim conditions.
Cover limits
Review overall limits and any lower limits applied to particular categories or items.
Your contribution
Check the amount you may need to contribute when making an eligible claim.
Exclusions
Read which causes, situations, locations or items fall outside the stated protection.
Claim process
Understand how an incident should be reported and which supporting details may be needed.
A simple comparison process
Review the need, the details and the terms.
Availability and eligibility vary, and an application must be accepted before any cover begins.
1
Choose the scope
Decide whether you need property, belongings or combined protection.
2
Provide accurate details
Complete the requested information about the property and relevant history.
3
Read before accepting
Review the schedule, limits, exclusions, cost and start date before confirming.
Protection questions
Know what the documents should explain.
For a specific option, rely on its current wording and schedule rather than a general summary.
Visit supportIs everything in a home automatically covered?
No. Limits, exclusions and item-specific conditions may apply. Review the policy wording and schedule carefully.
When does protection begin?
Only from the confirmed start date shown after an application has been accepted and any required conditions have been met.
Why do accurate values matter?
Values help determine suitable limits. Incorrect information may affect the terms or how a later claim is assessed.
What should I do after an incident?
Follow the reporting instructions in your documents, take reasonable steps to prevent further damage and keep relevant evidence where safe to do so.
Compare the cover, not only the headline price.
Review current home and belongings protection information and the options available to your profile.