Home and Contents Insurance
Home insurance. This provides financial cover for costs associated with re-building or repairing damage to your property as a result of certain events such as fire and theft. The extent of cover you receive is really based on the type of policy you purchase.
Contents insurance. There are many things that make your house a home, and the contents insurance part of your policy helps provide financial cover to replace your possessions should they be lost, stolen or damaged. Contents insurance can cover everything from blinds to your whipper snipper. It can be as comprehensive as you want it to be, with many variations that provide extra cover for specific, precious items, or portable valuables such as computers and cameras.
Why you should consider 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 and its contents with quality insurance – and make sure you have the right type and amount of cover to help keep your home and possessions safe.
What can it cover?
Depending on your policy 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.
What isn’t covered?
As with any insurance there are limits and exclusions that apply. There may also be a deductible, excess or limits on this type of cover so check with your GIBA insurance broker.
Please talk to us about what may or may not be appropriate for your coverage.