A higher-value home usually needs more than a standard policy. We help owners arrange cover that reflects what their home, contents and valuables are really worth, with insurers that specialise in this end of the market.
Tell us a little about your home and one of our brokers will be in touch to talk through your options.
Standard home policies are built for typical homes. If your home has a high rebuild cost, architectural or heritage features, or contents such as jewellery, art, watches or wine, a standard policy may have limits, sub-limits or settlement terms that don’t fit.
Two policies at a similar price can respond very differently at claim time. We compare the wording, help you set realistic sums insured, and stay in your corner if you need to make a claim.
Why higher-value homes need a closer look
Tell us a little about your home and one of our brokers will be in touch to talk through your options.
01
Is designed to help cover the cost to rebuild or repair your home to a similar standard, subject to policy terms.
02
Is designed to help protect contents and specified items such as jewellery, art and collections, subject to policy terms and any item limits.
03
Is designed to help protect items you take away from home, subject to policy terms.
04
Home policies commonly include legal liability cover for injury or property damage to others, subject to policy terms.
We can also arrange landlord and strata cover, and look at options for homes in cyclone-prone areas, subject to policy terms and eligibility.
Underinsurance when rebuild costs are underestimated
Jewellery, watches or art exceeding standard contents limits
Water damage to high-end finishes and joinery
Theft of valuables from the home or while travelling
Storm, hail and fire damage to the building
Accidental damage to valuable items
Important: The information on this page is general in nature and does not take into account your individual circumstances. Insurance cover, terms, conditions and exclusions vary between insurers and policies, and availability depends on your property, its location and your claims history. Please refer to the relevant Product Disclosure Statement for full details of cover. The risks listed above are general examples only, for illustrative purposes, and do not confirm that your individual policy will respond to any particular claim.
There isn’t one definition. Insurers usually look at the rebuild cost, the value of contents and valuables, and features such as custom construction or heritage elements. If your home or contents are worth more than a standard policy is designed for, it’s worth a conversation.
Not always, but we don’t compete on price alone. A cheaper policy can have lower limits, more exclusions or a tougher claims process. We show you what you’re getting for the premium so you can decide what’s worth paying for.
We can talk you through the factors that drive rebuild cost and point you to tools or professionals who can help estimate it. Getting this right is one of the most important parts of insuring a higher-value home.
Many policies let you list specified items with their own values. Some items may need a valuation or receipt. We’ll check what each insurer requires.
Options for higher-value homes north of the 26th parallel can be more limited, as some insurers cap the sum insured in cyclone-prone areas. We’ll look at what’s available for your home and be upfront about what we find.
Tell us about your home and what matters most to you, and one of our brokers will be in touch.
HOME INSURANCE
Cover options for the home you live in, subject to policy terms
HOME INSURANCE
Cover options for homes in cyclone-prone areas, subject to policy terms
PROPERTY INSURANCE
Cover options for investment properties and rental income, subject to policy terms
STRATA INSURANCE
Cover options for apartment and unit buildings, subject to policy terms
