June 17, 2024

Home and contents insurance explained, with Canna Campbell

Published May 23, 2023, 2:20 a.m. by Jerald Waisoki

Insurance is one of those things you know you need, but may not really understand. It’s there to protect your home and belongings from damage or theft, and to give you peace of mind – but it can be confusing trying to work out exactly what you need.

Here, we chat to insurance expert Canna Campbell about the ins and outs of home and contents insurance, to help you make the right decision for your situation.

What is home and contents insurance?

Home and contents insurance is a type of insurance that covers your home and belongings against loss or damage. It’s important to have because it can help you cover the cost of repairs or replacement if your home or belongings are damaged or stolen.

What does home and contents insurance cover?

Home and contents insurance can cover a range of things, including:

Your home – for example, if your home is damaged by fire, storms or floods

Your belongings – for example, if your furniture is damaged or stolen

Your legal liability – for example, if someone is injured at your home and sues you

How much does home and contents insurance cost?

The cost of home and contents insurance can vary depending on a range of factors, including:

The value of your home and belongings

The level of cover you need

The excess you’re willing to pay

Any discounts you’re eligible for

It’s important to compare home and contents insurance policies to make sure you’re getting the right cover at a price that suits your budget. You can compare policies online or speak to a broker for help finding the right policy for you.

What are the different types of home and contents insurance?

There are two main types of home and contents insurance: building insurance and contents insurance.

Building insurance covers the structure of your home, including the walls, roof and floors. It can also cover things like permanent fixtures and fittings, such as built-in wardrobes and kitchen cabinets.

Contents insurance covers your belongings, including furniture, appliances, clothing and electronics. It can also cover things like paintings and other pieces of artwork.

You can choose to buy building insurance, contents insurance or both. It’s important to think about the value of your home and belongings when deciding how much cover you need.

How can I save on home and contents insurance?

There are a few things you can do to save on home and contents insurance, including:

Compare policies – Use an online comparison service like iSelect to compare a range of policies and find the right cover at a price that suits your budget.

Choose a higher excess – Most policies have an excess, which is the amount you have to pay towards a claim. Choosing a higher excess can help to lower your premium.

Pay annually – Many insurers offer a discount if you pay your premium annually rather than monthly. This can be a good option if you have the cash available to pay up front.

Look for discounts – Some insurers offer discounts for things like having a security system or being a member of a certain organisation. It’s worth checking to see if you’re eligible for any discounts before you buy a policy.

Making a claim on your home and contents insurance

If you need to make a claim on your home and contents insurance, the process can vary depending on your insurer. However, most insurers will require you to:

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i'm kanna campbell from sugar mama tv

and i'm here to talk to you about

home and contents insurance for i select

we tend to refer to home and contents

insurance as

a single insurance product when in fact

it's a combined

policy just like health insurance

policies that can combine hospital

and extras house and contact insurance

is a combined

policy that includes features of both

home insurance

and contents insurance

for most homeowners it makes sense to

take out a combined home and contents


although there may be instances where

you only need

one or the other home insurance also

known as house insurance

generally helps cover the cost of

repairing or rebuilding your home in the

event of damage beyond your control

such as a storm or a bush fire

contents insurance helps cover some of

the cost of repairing or replacing

some of your household possessions and


such as clothing jewelry household

appliances and electronics

some contents policies also include

cover for accidental damage

while you can usually choose to include

protection for items lost or damaged

outside of the home

through portable cover there are also


landlord insurance policies to help

protect investment property owners from

damage caused by tenants while renters

can opt to protect their possessions


renters insurance home insurance quotes


vary considerably depending on a number

of factors including the location of

your house

and any security measures in place

iselec can help you compare

home insurance policies from their range

of providers to help you ensure your

most valuable possession

your family home is protected


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