Home Insurance
Building and contents cover that protects the place where your life happens.
In short
Home and contents insurance combines building cover for the structure of your house with contents cover for your belongings. Policies typically protect against fire, storm, theft and accidental damage. Kasana Insurance Brokers helps you set an accurate rebuild value, avoid underinsurance and choose flexible limits for high-value items.
Home Insurance
Home and Contents Insurance helps protect you financially if your home or personal belongings are damaged or lost due to an insured event. Your home is more than just a property. It is where your life happens. That is why having the right protection in place is essential.
01Complete Home & Contents Protection
Covers your home structure and belongings against risks like fire, storm, theft, and accidental damage.
02Flexible Cover Options
Customise your policy with flexible limits for high-value items to match your lifestyle and needs.
03Peace of Mind Support
Reliable claims assistance and expert guidance to help you recover faster when something goes wrong.
What Is Home & Contents Insurance?
Home and Contents Insurance combines Home Building Insurance and Contents Insurance into one comprehensive policy.
- Home Insurance covers the physical structure of your house
- Contents Insurance protects your personal belongings inside the home
We help you select cover options that suit your lifestyle, property value, and budget, ensuring you are not underinsured or paying for unnecessary extras. At Kasana Insurance Brokers, we help you choose reliable, flexible home insurance cover that provides peace of mind and real protection.
What Does Home Insurance Cover?
Coverage may vary depending on the insurer and policy selected, but typically includes protection against:
- Fire, including bushfires
- Storms, floods, and storm surges
- Lightning and weather-related damage
- Theft and break-ins
- Malicious or accidental damage
- Damage to contents in storage or while in transit
- Flexible limits for high-value personal items
What Is Generally Not Covered?
While home insurance provides broad protection, some exclusions may apply, such as:
- Buildings under construction or renovation
- Cash, gift cards, tickets, vouchers, or negotiable documents
- Unusable electronic or electrical items
- Temporary or movable structures (e.g. caravans, houseboats, motor vehicles)
- Certain high-risk or unlisted items without additional cover
Always review policy exclusions carefully to understand what is and is not included.
Why Home Insurance Matters
When something goes wrong, the right insurance helps protect both your home and financial security. Choosing suitable cover can make a major difference during stressful times. Before purchasing home insurance, it is important to:
- 01Assess your personal needs
- 02Understand policy inclusions and exclusions
- 03Avoid underinsurance
- 04Accurately estimate rebuilding costs
- 05Calculate the true value of your contents
- 06Understand the difference between sum-insured and total replacement cover
- 07Ensure contents are covered on a “new for old” basis
- 08Check maximum claim limits
- 09Confirm cover for storms, floods, and bushfires if you live in a high-risk area
Why Choose Kasana Insurance Brokers?
We work for you, not the insurance companies. Our team compares policies from trusted insurers to help you secure the right home insurance at the right price.
From choosing a policy to managing claims, we provide expert support every step of the way.
Home Insurance questions.
What is the difference between home insurance and contents insurance?
Home (building) insurance covers the physical structure of your house, including fixtures. Contents insurance covers your personal belongings inside the home such as furniture, electronics and clothing. Most people combine both in a single home and contents policy.
How do I avoid being underinsured?
Insure your home for its full rebuild cost, not its market value, and calculate the true replacement value of your contents on a new-for-old basis. Review your sum insured regularly, especially after renovations or major purchases.
Does home insurance cover floods and bushfires?
Cover for storms, floods and bushfires varies by insurer and policy. If you live in a high-risk area, confirm these events are included and check any specific limits or excesses before you buy.
What is usually excluded from home insurance?
Common exclusions include buildings under construction, cash and negotiable documents, temporary or movable structures such as caravans, and certain high-value items unless they are specifically listed.
Get a Home Insurance Quote
Protect your home and everything in it with confidence. Get a fast, obligation-free quote today with Kasana Insurance Brokers.