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Insurance Details
Home and Contents Insurance is designed to protect homeowners and occupants against financial loss arising from damage to residential buildings and personal belongings. It provides financial protection for the physical structure of the home and household contents against events such as fire, storm, theft, and accidental damage, helping individuals and families maintain financial security and peace of mind. Whether you own and live in your home, rent a property, or invest in residential property, Home and Contents Insurance is a fundamental protection for Australian households.
Home Insurance covers the physical structure of the building and fixed fittings. Contents Insurance covers household items and personal belongings inside the home. They can be purchased separately or combined.
Home and Contents Insurance is not just about protecting property—it is about safeguarding your lifestyle and financial security when unexpected events occur.
Cover Sections / Benefits Covered
Q&A – Common Questions
It is not legally mandatory but often required by mortgage lenders as a condition of finance.
Portable valuables can be insured under optional extensions, subject to specified limits and conditions.
Policies vary significantly in definitions, sub-limits, exclusions, and claims handling.
As your broker, FRS helps you:
• Ensure accurate building and contents valuations
• Avoid underinsurance and unexpected exclusions
• Compare policy wordings beyond price
• Assist with claims and insurer negotiations