Home insurance can be a safety net that protects your property and valuable assets in the face of uncertain events. Home insurance comes in a variety of forms, including buildings and contents.
Each policy comes with different benefits, limits, and exclusions. Read our guide to learn more about what is covered by different types of home insurance.
Here are some insured events that Everyday Insurance offers cover for:
These insured events are indicative only. For more information read the Home Insurance PDS.
Home insurance (or building insurance) covers your property, which is defined as a fully enclosed structure with walls and a roof that’s used for residential purposes (excluding strata properties). While protecting the exterior of your home, it also includes cover for fixtures and fittings that may be permanently attached, like dishwashers and alarm systems.
Here are some examples of what Everyday Building Insurance covers:
| Areas | Fixtures | Fittings |
| Rooms inside your home | Alarm systems |
Light fittings |
| Garage | Basin |
Stove |
| Balcony | Bathtub |
Dishwasher |
For a full list of things Everyday Building Insurance covers, read the Home Insurance Product Disclosure Statement.
Choosing the right level of cover for your home can be important to avoid being underinsured.
Everyday Home Insurance offers sum insured cover, which allows policyholders to insure their homes up to a set amount. Sum insured is the total amount we’ll pay if you claim for loss or damage against your building. If you underestimate your sum insured, you may have to pay the gap if the cost to rebuild your home.
Taking out Home Insurance that includes the accidental damage benefit may help mitigate the financial costs of mishaps that are out of your control.
Everyday Home Insurance defines accidental damage as damage that’s caused unintentionally to your property or contents. The accidental damage benefit is included across Everyday Comprehensive Building & Contents Insurance policies.
With an Everyday Insurance Comprehensive Building policy, your property and its fixtures and fittings are covered for accidental damage.
An example of accidental damage in Building Insurance might be if you're moving furniture and accidentally make a hole in the wall.
With an Everyday Insurance Comprehensive Contents Insurance policy, the things inside your home, like furniture, are covered for accidental damage.
An example of accidental damage in Contents Insurance might be if you accidentally spilled wine on your carpet and it left a permanent stain.
Everyday Home Insurance defines optional benefits as benefits that can be added to your home insurance policy for an additional premium.
Here are some optional benefits that can be included in your policy. Depending on the type of policy you have, different limits may apply.
Electrical motor burnout is the fusion or burning out of the actual wiring of a domestic motor by an electrical current.
When your building is insured it may help cover the cost of repairing or replacing any motor that forms part of your building, like your dishwasher.
When your contents are insured it may help cover the cost of repairing or replacing any motor that forms part of your contents - like your refrigerator. We may also pay for losses from food spoilage.
This additional benefit is suitable for people that want to protect their contents from loss or damage when they take it outside of their home. It can be added to an Everyday Contents Insurance policy for an extra cost.
Some items you can cover with the additional portable contents benefit are:
Some personal belongings you choose to insure may have fixed limits. For a full list of what’s covered under the portable contents additional benefit, read the Home Insurance Product Disclosure Statement.
Yes, Everyday Contents Insurance has an optional benefit that covers some valuables you take outside of your home. To access this additional cover, you must pay an extra cost.
There are two ways to cover your portable contents with an Everyday Contents Insurance policy:
Group cover: if you want cover for a few different things, you can choose to insure a group of your belongings for a fixed limit of up to $1,000 per item.
Itemised cover: if you want to cover a specific item that might be worth more than $1,000, you can choose itemised cover. Itemised cover gives you cover for the actual value of the item and is listed on your Certificate of Insurance.
For a full list of things Everyday Home Insurance covers, read the Home Insurance Product Disclosure Statement.
While your home is unoccupied, it must be maintained by:
If your home is going to be unoccupied for more than 60 days, you must let us know. We’ll need to determine whether we can keep covering your home and/or contents, on what terms, and for what premium.
Save up to 10%= when you buy combined home and contents insurance.
Backed by Hollard. One of Australia's largest insurers.
Winner of Finder’s Customer Satisfaction Awards for Highly Commended Home Insurance 2023
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In the event of an emergency, our friendly claims team is available around the clock to help make your home safe and secure.
^ This is an additional benefit. Sub-limits apply. Please read the Home Insurance Product Disclosure Statement for full terms, conditions, limits (including sub-limits) and exclusions that apply.
= Up to 10% discount applies when you combine Building and Contents policies. Applies for the life of the combined policy. Minimum premiums may apply that will reduce the savings discount.
Benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy. Any advice provided is general only and may not be right for you. Before you purchase this product you should carefully read the Home Insurance Product Disclosure Statement and consider the Target Market Determination to decide if it is right for you.
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