What Is Home Insurance?
Home insurance protects the structure of your house and its contents — furniture, electronics, appliances and valuables — against risks such as fire, lightning, earthquake, flood, storm, burglary and accidental damage.
Policies can cover the building alone, the contents alone, or both. Tenants who do not own the property can insure their contents.
Optional covers include jewellery and valuables, portable electronics, public liability, alternative accommodation and rent loss, depending on the plan.
Why Do You Need Home Insurance?
Your Largest Asset
Your home is often your most valuable possession and deserves proper protection.
Natural Calamities
Protection against floods, storms, earthquakes and other natural perils.
Contents Cover
Furniture, electronics and valuables are covered against loss or damage.
Affordable Premiums
Premiums are modest relative to the value protected.
Why Choose Our Home Insurance Services?
We help you insure your home for the right value with the right covers.
Accurate Valuation
Correct structure and contents values to avoid under-insurance.
Relevant Perils
Appropriate perils and add-ons based on location and needs.
Policy Comparison
Terms, exclusions and premiums compared across insurers.
Claims Help
Assistance with surveys and claim documentation.
Our Process
- Assess Your Needs Family, income, liabilities, health and existing cover.
- Compare the Market Plans from leading insurers compared on cover, exclusions and claim experience.
- Recommend the Right Cover Adequate sum insured with only the add-ons that add value.
- Smooth Issuance Help with proposals, disclosures and medical formalities.
- Renewals & Claims Support Timely renewals and full support during claims.
Start Your Journey Today
Speak with our team for a personalised, no-obligation discussion.
Frequently Asked Questions
Does home insurance cover tenants?
Tenants can insure their contents even if they do not own the structure.
Is jewellery covered?
Valuables may be covered with specific declaration and add-ons.
Is home insurance mandatory for home loans?
Lenders often require the property to be insured against fire and allied perils.
How is the structure value calculated?
Typically on the reconstruction cost, not the market value of the property including land.
Can I insure my home for multiple years?
Yes, many insurers offer long-term home insurance policies.