Your home is far more than a building — it is where life happens. It is where families grow, memories are made, and the things most valuable to you are kept. Protecting your home and belongings against unexpected events is one of the most important financial safeguards you can put in place.
At Centregate Financial, we help homeowners, families, investors and landlords arrange tailored Home & Contents Insurance solutions designed to protect both the structure of your home and the possessions inside it.
Whether you own your family home, a luxury residence, an investment property or a holiday home, the right insurance can provide valuable financial protection and peace of mind.
Home & Contents Insurance combines two important forms of protection into one policy:
Cover designed to protect the physical structure of your property, including:
✅ The home itself
✅ Garages, sheds and outbuildings
✅ Driveways, pathways and fencing
✅ Fixed fixtures and fittings
✅ Built-in cabinetry and wardrobes
✅ Solar panels (where included)
✅ Permanent outdoor structures such as pergolas and decks (subject to policy terms)
Cover designed to protect the belongings inside your home, including:
✅ Furniture and household goods
✅ Appliances and electronics
✅ Clothing and personal items
✅ Jewellery, watches and valuables (subject to policy limits)
✅ Artwork and collectibles (subject to declaration where required)
✅ Home office equipment
✅ Rugs, décor and furnishings
✅ Sporting equipment and lifestyle items
✅ Portable valuables (optional cover may apply)
Together, Home & Contents Insurance can provide broad protection for both your property and the things that make it feel like home.
Depending on the insurer and policy selected, cover may include protection against insured events such as:
✅ Fire and smoke damage (including bushfire)
✅ Storm and wind damage
✅ Flood damage (where included under policy terms)
✅ Lightning strikes
✅ Hail damage
✅ Escape of liquid / water damage
✅ Earthquake and seismic events
✅ Theft or attempted theft
✅ Malicious or deliberate damage
✅ Impact damage (for example, falling trees or vehicle impact)
✅ Accidental glass breakage (where included)
✅ Temporary accommodation costs if your home becomes uninhabitable following an insured event
✅ Legal liability cover for injury or property damage occurring at your home (subject to policy terms)
Some policies may also offer cover for contents in storage or belongings temporarily in transit, depending on insurer conditions.
Many households own items that may require special consideration, such as:
At Centregate Financial, we can help ensure valuable items are appropriately declared and insured so they are not unintentionally underinsured.
Exclusions vary between insurers, but common exclusions may include:
✖ Wear and tear, gradual deterioration or poor maintenance
✖ Structural defects or faulty workmanship
✖ Damage caused by pests, vermin or mould
✖ Intentional damage or unlawful acts
✖ Certain building works during construction, major renovation or structural alteration (unless specifically insured)
✖ Unoccupied property beyond policy limits
✖ Cash, negotiable instruments and certain collectables (subject to policy wording)
✖ Boats, caravans, trailers and motor vehicles (usually insured separately)
✖ Electrical or electronic breakdown not caused by an insured event (unless optional cover applies)
Always review policy wording carefully, as cover limits, exclusions, waiting periods and conditions differ between insurers.
One of the most common mistakes homeowners make is being underinsured.
When arranging cover, it is important to accurately consider:
The full cost to rebuild your home — including demolition, debris removal, labour, materials, professional fees, permits and compliance with current building regulations.
The cost to replace furniture, appliances, electronics, clothing, valuables and household belongings at today’s replacement cost — not their second-hand value.
Certain valuables may need to be individually specified to ensure adequate cover.
If your property is located in a bushfire, flood, storm surge or severe weather zone, it is particularly important to review policy conditions carefully.
At Centregate Financial, we help clients better understand replacement values and coverage options to reduce the risk of underinsurance.
Depending on your policy, optional benefits may include:
✅ Portable valuables cover away from home
✅ Accidental damage cover
✅ Motor burnout cover
✅ Fusion cover for appliances
✅ Flood cover enhancements
✅ Landlord building and contents extensions
✅ Pet damage cover (where available)
✅ Emergency repairs assistance
✅ Temporary accommodation benefits
✅ Premium legal liability limits
No two homes are the same.
The right policy depends on:
At Centregate Financial, we help you compare suitable options so your cover reflects your property, lifestyle and financial priorities.
Your home is one of your most significant investments — and often your most important asset.
Having the right insurance in place can provide valuable financial protection and peace of mind when unexpected events occur.
Speak with Centregate Financial today about tailored Home & Contents Insurance solutions designed to protect what matters most.
