Contents essentials provides cover for present value. This good value cover means we’ll either pay the cost of repairs so you end up with an item that’s as close as possible to the one you’re claiming for, or we’ll pay you the item’s value.
We cover accidental loss to your belongings for specified events that commonly lead to insurance claims. That’s our way of keeping your premiums down while maximising the benefit we provide.
We’ll cover your legal liability if you accidentally damage someone else’s property or if you accidentally injure somebody. Provided they're approved by us in advance, we may also pay your legal fees. There are exceptions to this cover such as for damage caused by your vehicle or watercraft.
We'll cover your contents if it is damaged by a fire or explosion that's intentionally caused by a tenant or someone living in your home other than you, your partner or a family member.
If you have lots of high value items we recommend you specify them on your policy to ensure they’re covered.
How much do I need? Try this quick calculator.
The above information is intended as a guide only. There are exclusions, limits and conditions to the cover provided. Download the Policy Wording.
This is only a summary of the benefits provided. Please refer to the Contents Essentials policy wording (PDF) for details of the cover provided. Please read the entire document carefully to understand what the relevant policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply and this summary of benefits table may change at any time.