Personal Insurance
Home and Contents Insurance
Your home is your sanctuary – so make sure you protect it. Your home is far more than a physical asset.
Home is safety, security, familiarity and comfort – so an extreme weather event, accident or home invasion could cost you more than a material loss, hence, we recommend protecting your precious home with quality insurance- making sure you have the right type and amount of cover to help keep your home and possessions safe.
Here’s what you need to know!
Who should consider Home and Contents Insurance?
If your home and its contents were damaged or destroyed or your possessions stolen, and you couldn’t afford to replace them yourself, you should consider home and contents cover.
If you have a mortgage, your bank usually requires that you have home insurance over your home. But even if you own your home outright, have an investment property, or rent your home, you should consider some type of home insurance.
What can it cover?
Depending on your policy Home Insurance can include:
- Home Insurance: covers your building against things like flood, fire, explosion, natural disasters such as earthquake, storms or lightning strikes, damage by vandalism or break-in, and liability to third parties.
- Contents Insurance: protects your valuable possessions, such as furniture, electronic items, whitegoods, sporting equipment and jewelry – so you can repair or replace them if they are damaged or stolen.
What isn’t covered under Home and Contents Insurance?
There are exclusions. There is also often a deductible or excess and limits on cover. Please contact us at JGM Insurance Brokers for more information and we will be happy to help you.
Product Disclosure Statement
A Product Disclosure Statement (PDS) is available for home and contents insurance and can be obtained from JGM Insurance Brokers. You should consider the PDS in deciding whether to acquire, or continue to hold, home and contents insurance.