Home Building and Contents Insurance

Your home is your sanctuary – so make sure you help protect it
Your home is far more than a physical asset. Home is safety, security, familiarity and comfort – so an extreme weather event, accident or home invasion could cost you more than a material loss.
That’s why it makes good sense to help protect your precious home with quality insurance – and make sure you have the right type and amount of cover to help keep your home and possessions safe.

Who should consider it?
If your home and its contents were damaged or destroyed or your possessions stolen, and you couldn’t afford to replace them yourself, you should consider home and contents cover.
If you have a mortgage, your bank usually requires that you have Home Insurance over your home. But even if you own your home outright, have an investment property, or rent your home, you should consider some type of home insurance.

What can it cover?
Depending on your policy Home Insurance can include:

• Home Insurance: covers your building against things like flood, fire, explosion, natural disasters such as earthquake, storms or lightning strikes, damage by vandalism or break-in, and liability to third parties.
• Contents Insurance: protects your valuable possessions, such as furniture, electronic items, whitegoods, sporting equipment and jewellery – so you can repair or replace them if they are damaged or stolen.

Types of Cover
Listed/Defined Events

• Listed Events provides comprehensive cover for the same series of listed events but with flexibility and higher limits of cover for your home and contents.
  Accidental Damage
• The most comprehensive level of protection for your home and/or contents that are accidentally destroyed, lost or damaged with higher limits on all additional covers and benefits

Product Disclosure Statement
A Product Disclosure Statement (PDS) is available for Home and Contents Insurance and can be obtained from Palandri Insurances.
You should consider the PDS in deciding whether to acquire, or continue to hold, home and contents insurance.

Speak to Palandri Insurances
Calculating the amount of cover you will need can be complex, so it’s important to seek advice to help you get it right.

Steadfast insurance brokers are part of the largest general insurance broker network in Australasia, with specialists who can help you with your home and contents insurance needs.