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Home & Contents Insurance

Home insurance policies can provide cover for a range of insured events to protect your home, contents and personal effects.

Why is this cover important?

There are many benefits with taking out a Home and Contents policy with Austbrokers Comsure, including expertise, advice, risk management, claims service and the range of policies we have access to. Every Household is different, so we tailor insurance to suit your needs. When you have a claim, you want to make sure you are covered correctly, and you want the process to be seamless. You’ve worked hard for your investment so that’s what you deserve.

“81% of homeowners are exposed to significant financial loss because their insurance does not cover them to resume the same standard of living in the event of crisis.” *Source: Insurance Council of Australia 2014

Austbrokers Comsure provides you with the right advice and when disaster strikes, rest assured, you can resume the same standard of living because the right cover is in place.

Policy cover can include:

Legal Liability
Minimum $20 million legal liability cover.
New for Old Replacement
Replacement to a condition substantially the same as when new.
Optional Worldwide Cover
For your contents whilst they are temporarily away from the home, Worldwide.
Storm Damage
Loss or damage by storm including damage to external blinds, gates, fences and landscaping.
Theft or Attempted Theft
Theft or attempted theft including Malicious Acts.
Impact by a vehicle, falling trees or branches.
Fire, Explosion, Earthquake, Lightning
Loss or damage by fire, explosion or earthquake. Lightning including power surge.
Flood or Escaped Liquid
Flooding, escaped liquid (e.g. from washing machines, toilets or hot water systems.
Breakage of Glass
Replacement if glass is damaged.
Fusion of an Electric Motor

Including air-conditioning systems and fridges.

Broader protection & additional cover

If you require a broader level of protection, we can extend your home insurance policy to provide cover for accidental loss or damage. Automatic cover is provided for your contents temporarily away from your home, anywhere in the world.

Higher levels of cover are available for higher valued homes, personal fine art, antiques and jewellery.


Why us?

When you take out Household Insurance with Austbrokers Comsure, you will immediately have access to our expert claims team and experienced Advisers for advice on Risk Management.

  • Austbrokers Comsure’s claims team has been recognised as an industry leader “quoted by a prominent insurer”.
  • We have access to competitive pricing and broad coverage to suit the needs of your lifestyle.

Frequently Asked Questions for Home & Contents Insurance

I found a really cheap quote online, why is it so cheap?

Insurance is like any other product, you pay for what you get. There are many different insurers offering policies in different shapes and forms.

Service is extremely important.

This is the difference between a claim being paid out over night and a claim being paid out painstakingly over a year. Cheap premiums are on offer because costs are being cut elsewhere.

Coverage is also extremely important.

This is the difference between your claim being paid out or not paid out at all. Quite often, this results in financial burden in the long run.

What is a ‘Flood’?

In June 2012, the Insurance Council of Australia and Federal Government agreed to adopt the below definition:

  • The covering of normally dry land by water that has escaped or been released from the normal confines of:
  • Any lake, or any river, creek or other natural watercourse, whether or not altered or modified; or
  • Any reservoir, canal, or dam.
Can I pay my premiums by the month?

Yes. All insurance offered by Austbrokers Comsure can be paid by the month through premium funders. If you chose to use the premium funder’s service, your monthly installments will be tax deductible.

How is my premiums calculated?

A number of factors contribute to you household insurance premium each year.

The following rating factors apply:

  • The risk associated with your postcode
  • Your overall home security
  • Your claims history
How do I make a claim?

As your Adviser, you will always contact Austbrokers Comsure in the first instance and we will guide you through the claims process as this can vary from insurer to insurer.