CONTENTS

Covers risk from loss or damage to your personal property

Even the smallest home can contain property worth thousands of dollars – for example, an entertainment or sound system, home computer, or jewellery.

If a catastrophe were to strike, contents insurance allows you to replace the contents of your house (like furniture, clothing, and stereo equipment, as well as outdoor items like sporting equipment and gardening tools).

There are generally two levels of contents insurance:

  • Full Replacement Value
    Full replacement value means that should the worst happen and your house is destroyed, along with its contents, they will be replaced, irrespective of cost. (There are some exceptions to this, which vary from one insurance company to another.)

  • Present Day Value
    Present day value means your policy will cover the cost of replacing or repairing your house contents to a condition no better than new, less an appropriate allowance for depreciation and deferred maintenance up to the sum insured.

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