Home insurance is a type of property insurance you can buy to cover your home or contents for loss or damage in events like storms, fire, and theft. The term ‘home insurance’ can refer to different cover types - building insurance, contents insurance, or combined building and contents insurance.
The age and location of your property are some things that can affect how much you can insure your building for. Other factors include who lives in the property, and how it’s used.
A Building Insurance policy covers your home’s structure, fittings, and surrounds like fences and sheds. It doesn’t cover things like carpets, floor rugs, or other belongings you’ve placed inside your home. Building insurance is usually popular for people that own their homes. Everyday Insurance offers a sum insured cover that covers your home (building) up to a selected amount.
| Event | Example |
| Fire | If there’s a bushfire where your property is located, or an unexpected explosion occurs |
| Storm, rainwater, and flood | If lightning damaged part of your external house wall |
| Earthquake, tsunami, or volcanic eruption | If the tiles on your roof fall off or your fence breaks as the result of an insured event |
| Malicious damage | If someone vandalises and graffitis an external wall of your property |
| Accidental glass breakage | If your child accidentally kicks a ball through your property’s window |
| Escape of liquid | If a pipe unexpectedly bursts in your home |
| Impact | If your property is damaged by a falling tree branch or power pole |
Above is an example table only. Please read the Home Insurance Product Disclosure Statement for full terms, conditions, limits (including sub-limits) and exclusions that apply.
A contents insurance policy covers loss or damage for the belongings inside your home like furniture, some free-standing appliances (like fridges), or clothes. It doesn’t cover alarm systems, dishwashers, or things that are permanently attached to your building. Everyday Insurance offers a sum insured cover that covers your contents up to a selected amount.
| Event | Example |
| Fire | Bushfire smoke damages furniture inside your home |
| Theft | Someone breaks into your home and steals your television |
| Storm, rainwater, and flood | Water flooding into your house from a storm damages your furniture |
| Earthquake, tsunami, or volcanic eruption | An earthquake causes your television to topple over and smash |
| Malicious damage | Someone breaks into your home and damages your refrigerator |
| Accidental glass breakage | The glass countertop of your coffee table is accidentally smashed |
| Escape of liquid | A burst pipe causes water damage to a carpet in a room |
| Impact | A tree falls onto your outdoor BBQ and damages it |
Above is an example table only. Please read the Home Insurance Product Disclosure Statement for full terms, conditions, limits (including sub-limits) and exclusions that apply.
Portable contents are belongings you can take outside of your home like watches, sunglasses and sporting equipment. You can choose to insure your portable contents for an additional cost. With Everyday Home Insurance policies, portable contents falls under the 'optional extras' category.
There are two ways to cover your portable contents:
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.
= 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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