Home And Contents Insurance
For Australians, your house is the greatest investment you’ll make in life. Protect the home you’ve worked hard for, with best in market home and contents insurance. Consolidated Insurance Brokers make getting 5 home insurance quotes fast, simple and easy. Call us now to save time and compare the insurance market.
The resource of choice for the country’s most forward-thinking insurance professionals.
The resource of choice for the country’s most forward-thinking insurance professionals.
Home And Contents Insurance
Want the best possible protection for your home?
What is Home and Contents Insurance?
Home and contents insurance is one of the most common and most necessary covers for everyone. Did you know not all home insurance policies are the same? Far from it.
Our home insurance wordings have the best in market covers, and whilst they are not the cheapest, they cover signifacantly more then the direct market and are still competitive.
Why waste your time trying to find insurance that might be the cheapest, but won’t cover you when you need it most? You don’t want to find out how “good” that cheap policy is when it’s too late.
What can be covered
- Accidental damage (eg. spilling wine)
- Emergency repairs
- Flood, fire and storm
- Loss of or damage to contents Australia-wide
- Motor burnout (appliances)
- Domestic liability (cover for physical injury to visitors)
- Temporary accommodation during repairs
- Theft or vandalism
What may not be
- Deliberate or malicious acts (if committed by family members, co-habitants or tenants)
- Gradual deterioration, wear & tear or failure to maintain property
- Inherent construction defects
- Landslide, settling, shrinking or any movement of earth (unless within 72hrs of a storm)
- Rust or corrosion
- Loss of rent (Looking for Landlord cover?)
Get Started With Home and Contents Insurance
Why waste your time trying to find insurance that might be the cheapest, but won’t cover you when you need it most?
Home and Contents insurance claim example
During the 2017 Northern New South Wales floods, Michael’s family home and all its contents were severely damaged by floodwaters. Fortunately, Michael had taken out home insurance.
His home and contents insurance included automatic cover for flood, so it covered the costs of repairing the damage that floodwaters had done to the walls and floors of his home.
It also covered the cost of replacing his furniture and white goods. And, because he and his two children had to move out while his home was being repaired, his policy took care of the costs of living in rental accommodation during this time.
Why Choose CIB?
Consolidated Insurance Brokers can help by placing you with the best policy for your needs. We’ll find you the most competitive rate possible, and offer advice to ensure your insurance protects what matters.
Our Expertise
Committed to finding you the best insurance solution, our team of knowledgeable insurance brokers will get you the best price available
Your Partner
Safe time and effort by letting our team of expert insurance brokers do the work for you, we can manage your insurance on your behalf.
Clear Terms
We will put an end to the endless jargon, we can help you understand your quotes and policies in clear terms.
Full Cover
We are able to access insurance policies that are not available when buying direct, allowing us to get you a more comprehensive cover and better benefits.
What our clients have to say
109 James Street, New Farm
-
I have used CIB for the last 3 years after a recommendation from a friend. I have dealt with Debbie in past years & Aimee this year. My experiences with both has been nothing less than professional with prompt & informative … More service on all occasions. They genuinely care about getting not only the best price but also making sure it is the best cover for your business. Thanks again!!
-
Aimee bent over backwards to secure a fantastic rate on my public liability and contents insurance! With our business being quite unique, external brokers struggled to accommodate our requirements and/or brushed us off completely. … More Couldn't be happier that we found Aimee and looking forward to working alongside her!
-
Clayton was absolutely amazing in terms of his response time as well as his eagerness to help where he can. His advice and tenacious approach really helped us achieve a great outcome after multiple attempts trying to find … More competitive insurance packages.Clayton is an asset to Consolidated Insurance Brokers.
-
Alison Farmer has been great in getting the insurance for us. She has been delightfully efficient in reponding to our emails and phone calls. I would recommend Alison to all my contacts.
-
If anyone is looking for a knowledgeable, easy to talk to and very responsive insurance broker, Aimee Spencer is your gem! Aimee has made our whole journey with the insurance side of things so straight forward and has gone … More above and beyond to take the stress out of things, and as a small business this is beyond helpful! We won’t go anywhere else! Highly recommend!
Why use a broker?
Our job as an insurance broker is to find you cover that’s fit for purpose; the right mix of cover, benefits and price to actually protect you.
We will get you a competitive price – not the cheapest price. You will save time and be amazed at how easy it is.
Direct insurers and online quoting tools only provide general advice and sell insurance products. If what you pick isn’t what you actually need, that’s your problem – you bought it!
With access to many quality insurers, and policies not available to the public, we can offer you a range of home insurance quotes. Our recommendations always aim to provide flood cover and accidental damage as a minimum.
Frequently Asked Questions
There are many benefits of using a broker over buying directly from the insurer. Insurance brokers:
- Work on your behalf to secure you better protection through their negotiating power
- Help you understand your risks and empower you to make better life / business decisions
- Ensure insurers are held accountable to their promise to protect what you value during claims
- Save you time and money by taking care of comparing and customising policies for your needs
As brokers, we work for you, not insurance companies. It’s our job to ensure you have great protection and that your protection pays when the unthinkable happens.
The time at which you become responsible for damage to your new home varies by state.
- NSW: buyer is responsible for damage to the property on settlement.
- VIC: buyer is responsible for damage to the property on settlement.
- QLD: buyer is responsible for damage to the property from 5pm the next business day after the contract date (before settlement).
- SA: buyer is responsible for damage to the property as soon as contracts are exchanged.
- WA: buyer is responsible for damage to the property on either the date the whole purchase price is paid or the date the buyer is entitled to or is given possession of the property (whichever comes first).
- ACT: buyer is responsible for damage to the property as soon as contracts are exchanged.
- TAS: buyer is responsible for damage to the property as soon contracts are exchanged.
- NT: buyer is responsible for damage to the property on either the date the whole purchase price is paid or the date the buyer is entitled to or is given possession of the property (whichever comes first).
While it’s not a requirement that your home be insured by law, it is normally a condition of your mortgage that the home be insured while it’s under finance.
It may be wise to take out insurance on the home prior to settlement, just in case the seller has inadequate cover in the event of damage prior to settlement. Having to pay out of pocket for damage you didn’t cause is likely not the welcome to your new home you want!
Our broker-negotiated policies have market-leading coverage. This means if the worst possible scenario occurs, the effort, time and money you spent on building your livelihood won’t go to waste — You’ll be back on track as fast as possible.
If you own an apartment under strata title, the building will be insured by the Body Corporate or Owners Corporation. However, residential strata insurance won’t provide cover for your belongings, furniture and may not cover any owner-occupier renovations or installed fixtures by default.
In this case, it’s recommend you take out a “contents only” home and contents insurance policy. This can provide cover in the event of a weather disaster and even everyday accidental damage at request for your belongings and furnishings.
Home and contents insurance policies have different types of cover, mainly:
- Listed/Defined Events
- Accidental Damage
Listed Events policies will only provide cover for specific events, such as a fire, storm water damage, or earthquake. Often these policies exclude flood cover.
Accidental Damage provides cover for more common, every-day types of damage or loss, such as:
- Smashing a hole in the wall while moving furniture
- Spilling red wine on your carpet
- Dropping a heavy pot and breaking some kitchen tiles
For the best value for money, we recommend Accidental Damage and flood cover to protect your home from the most likely damage/losses you’ll face.
No Obligations, Completely Free
Get a Quote Today
Talk today with our team to find the right kind of insurance that will suit your needs.
