What is home and contents insurance?

Home insurance can protect you from financial risk if your home is damaged or destroyed and can also cover your home’s contents if they are damaged, lost or stolen. You can take out cover for specific listed events only or for wider accidental damage cover, depending on your needs.

Who should consider it?

If your home and its contents were damaged or destroyed in a natural disaster or accident, or all your valuables were stolen, could you afford to replace them? If not, home insurance can help. Home & contents insurance can even protect you against legal liability if someone is injured or killed on your property.

What can it cover?

Home insurance can provide you with extensive protection if your home suffers loss or damage – with a number of additional benefits included automatically. You have a choice of options, with different levels of cover and inclusions available. The exact cover you can receive depends on the policy that you take out.

What usually isn’t covered?

Each policy is different, but generally you won’t be covered:

• If your home is unoccupied for more than 100 continuous days (90 days for the listed event and base listed event wordings).
• For rust, corrosion, gradual deterioration, depreciation, or wear and tear.
• For damage caused by rats, mice or insects.

There are other exclusions which may apply. In addition, there is a deductible/excess.

This information is not intended to be advice and you should not rely on it as a substitute for any form of advice. You should always consider the PDS / Policy wording before making a decision.

For more information

Contact InterPrac General Insurance on 1800 086 666 or complete the enquiry form below and an InterPrac team member will be in contact with you shortly.