Home and Contents Insurance
Home and Contents Insurance
Home and Contents Insurance protects the physical structure of your residential property and the belongings inside it against events such as fire, theft, storm, vandalism, and accidental damage. It provides peace of mind that your home and valuables can be repaired or replaced if something unexpected occurs.
This cover is suitable for homeowners who live in the property and want to protect both the building and their possessions, including furniture, electronics, clothing, and personal items. You can choose to cover buildings, contents, or both depending on whether you own, rent, or are renovating.
At Angelic Insurance, we help Australian homeowners compare policies from trusted insurers. Our authorised brokers offer general advice to help you secure a policy that matches your location, lifestyle, and risk profile.
How It Works
Securing Home and Contents Insurance through Angelic Insurance is simple. We’ll help you choose the right type and amount of cover for your home and belongings.
Tell us about your home and contents
Share details like address, construction type, security features, and estimated value of your home and belongings.
We compare insurers for you
We assess policy options across leading providers, checking coverage for fire, storm, theft, and valuable contents.
Choose your level of cover
Decide if you want buildings only, contents only, or combined cover. You set the replacement value for your items or home.
Finalise your policy
Once you select the cover, we manage the paperwork and provide documentation. Cover can start immediately or on your chosen date.
Support throughout the policy
We help with renewals, adjustments, and claims to make sure your protection stays in line with your changing lifestyle.
Why You Need It?
Your home is likely your most valuable asset. Home and Contents Insurance helps protect what you’ve worked hard to build and prevents financial setbacks due to unexpected events.
Covers damage to the home
Storms, fires, or falling trees can damage your home. Insurance ensures repair or rebuilding costs are covered.
Replaces valuable possessions
Items like TVs, jewellery, computers, and furniture are covered against theft or damage depending on the policy.
Required by lenders
If you have a mortgage, your bank will often require building insurance to protect the value of the property.
Reduces out-of-pocket costs
Home repairs or replacing items can be expensive. Insurance helps minimise these financial burdens.
Customised to your lifestyle
You can adjust your cover to suit your location, property features, and contents value, ensuring you’re not over- or under-insured.
How Angelic Insurance Can Help?
We help homeowners navigate the options and understand what they’re really covered for. Our goal is to make insurance clear, reliable, and stress-free.
We compare policies for you
We review cover options across multiple insurers to ensure your home and contents are adequately protected.
Personalised advice
We offer general advice based on your location, home type, and lifestyle helping you understand what to insure and why.
Help with high-value items
If you own jewellery, artwork, or collectibles, we’ll help you check sub-limits and arrange additional cover if needed.
Support when things go wrong
We help lodge and manage claims so you can get repairs or replacements underway quickly and without confusion.
Annual reviews
If you renovate or buy new valuables, we help update your policy so your insurance stays relevant.
Challenges Businesses Face Without Home and Contents Insurance
Not having Home and Contents Insurance exposes homeowners to unexpected financial risks that can be difficult to recover from.
Fire or storm destruction
Without cover, you’d be responsible for rebuilding or repairs after major damage from fire, storms, or falling trees.
Loss of valuables
Theft, accidental damage, or break-ins could leave you with thousands in replacement costs with no support.
Loan compliance issues
Lenders typically require insurance as part of a mortgage agreement. Without it, you may risk breaching your loan terms.
Delayed repairs or recovery
Without insurance, you may not be able to afford urgent repairs or temporary accommodation after a major event.
Financial stress
Major incidents can strain your savings and disrupt your family life. Insurance helps protect against these financial shocks.
Case Studies: How Home and Contents Insurance Helped Real Businesses
Real-life claims show the value of reliable insurance coverage. Here are a few examples of how we’ve helped homeowners recover from loss.
Case 1 – Kitchen fire in suburban home
A stove fire caused extensive damage to a Brisbane kitchen. The policy covered $64,000 in repairs and replaced cabinetry, appliances, and flooring.
Case 2 – Break-in and theft of electronics
A Melbourne family lost multiple laptops and cameras during a break-in. Contents insurance covered $12,800 after depreciation and claim processing.
Case 3 – Storm damage to roof and ceilings
A storm caused roof leaks and ceiling collapse in a Sydney townhouse. Repairs and cleanup cost $28,000, all paid through the homeowner’s insurance policy.
Frequently Asked Questions
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