Home and Contents Insurance

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What is home & contents insurance?

Home insurance can protect you from financial risk if your home is damaged or destroyed and can also cover your home’s contents if they are damaged, lost or stolen. You can take out cover for specific listed events only or for wider accidental damage cover, depending on your needs.

What are different types of Home Insurance policies?

When comparing the market, Home Insurance policies can be classified into four broad types.

What is a Defined Events Home insurance policy?

Defined Events insurance policies cover certain events, such as fire, wind, water, storm, earthquake, cyclone, malicious and impact damage and burglary.

What is an Accidental Home insurance policy?

Accidental Damage Home Insurance is a broader coverage providing coverage for any damage unless excluded, and if it is not excluded, insurance cover is provided.

What can it cover?

The Steadfast home insurance can provide you with extensive protection if your home suffers loss or damage – with a number of additional benefits included automatically. You have a choice of options, with different levels of cover and inclusions available.

The exact cover you can receive depends on the policy that you take out. But to give you an idea, here are some of the benefits a Steadfast home insurance policy may include:

Potential Benefits

A safeguard of up to 30% extra of your total sum insured, so you can feel confident you won’t be caught short if you have to rebuild (does not apply to base listed events policy).
Automatic cover for flood and cover for fire or explosion.
Cover for earthquake, tsunami, lightning strikes, storm, rainwater, hail and wind and water damage from certain leakages.
Cover for burglary or theft, caused by a forced break-in and vandalism or malicious damage.
Liability cover of up to $30 million for injury or loss of life to a third party, or loss of a third party’s property on a building you occupy or own.

Cover for accidental breakages, damage caused by falling trees during a storm or the impact of a car.
Automatic inflation adjustment to your buildings and contents sum insured.
An extra 20% of your total sum insured to cover accommodation costs, if you need to move out while your home is being repaired or rebuilt.
Environmental upgrade cover – up to $5,000, and extra costs of rebuilding to meet statutory requirements – up to $25,000.
Catastrophe cover up to an additional 30% of the building sum insured, for declared natural disasters.

What usually isn’t covered?

Each policy is different, but generally you won’t be covered:

There are other exclusions which we can outline for you.

Important note: All home insurance policies are subject to dollar limitations on certain types of items and will have exclusions such as damage from wear and tear. Differing policies have different coverage, different exclusion, conditions, and basis of settlement.

A product disclosure statement (PDS) is available from us. You should consider the PDS in deciding whether to acquire, or continue to hold, Home & Contents insurance.

For professional advice on Business Insurance placement solutions, please contact All Star Brokers.

Client Testimonials

    
 
 
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   Kylie Charles 
 
 
 
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   MadMiller and Sons 
 
 
 
 Trustindex verifies that the original source of the review is Google. We are currently using All Stars brokers for all our business vehicles and public lability insurance. Sonia and her team do a great job not only that they ensure that you are fully and securely covered but also when it comes to claims, they fight for you  in a timely and swift manner.  We highly recommend All Stars Brokers
  
 
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   Duane Thompson 
 
 
 
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Duane Thompson
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   Rachel Keating 
 
 
 
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Highly recommend!
  
 
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