Home Insurance

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 isn’t 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’s important to:

• Assess your personal needs
• Understand policy inclusions and exclusions
• Avoid underinsurance
• Accurately estimate rebuilding costs
• Calculate the true value of your contents
• Understand the difference between sum-insured and total replacement cover
• Ensure contents are covered on a “new for old” basis
• Check maximum claim limits
• Confirm 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.

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.