Domestic Insurance
Protect your home and everything in it
Cover for your home and belongings against fire, storm, theft and more — whether you own the property or rent it.
What we cover
- Building & Contents — A combined policy covering your home and possessions against events such as theft, fire, flood, earthquake and vandalism.
- Building Insurance — Covers your property, including outbuildings, against damage or loss. Choose complete replacement cover or a sum-insured policy that pays a set amount.
- Contents Cover — Covers everything inside the home — furniture, jewellery, electronics and appliances — as a standalone policy. This is the cover renters need.
Protect your valuables from the unexpected
Replacing your belongings could cost you hundreds or even thousands if you're not covered. You buy car insurance for the same reason — contents cover does the same for your belongings.
From our clients
“Our dealings with KeyInsure have always been very friendly and helpful, also very quick response and professional advice. Pretty sure they save us money on our insurances also. Thank you.”
KeylendWho needs this cover
Home insurance protects the building; contents insurance protects what is inside it. Most owners hold both, and renters need contents cover of their own.
- Owner-occupiers of houses, units and townhouses
- Renters who want their belongings covered
- Owners of holiday homes and second properties
- People with valuable items — jewellery, art, bikes, equipment
- Home-based workers with equipment at home
- Anyone with a mortgage, where the lender requires building cover
What affects your premium
Home and contents premiums are priced on the property, the location and what you insure.
Sum insured
The replacement value you insure for. Underinsuring to save premium can leave you short at claim time.
Location
Postcode drives exposure to storm, flood, bushfire and crime, and insurers price each area differently.
Construction and age
Building materials, roof type, age and condition all affect how a property is rated.
Security and protection
Alarms, locks, sprinklers and monitored security can reduce the premium.
Excess
Choosing a higher excess usually lowers the premium; a lower excess raises it.
Claims history
Past claims — yours and, in some cases, the industry’s — affect what insurers offer.
Common questions
How much should I insure my home for?
The amount it would cost to rebuild, including demolition, professional fees and current building prices — not the market value of the property. Online rebuild calculators are a starting point, and we can help you check.
Are my valuables covered outside the home?
Portable contents cover extends selected items — phones, jewellery, cameras — outside the home. It is usually optional, and high-value items often need to be listed individually.
Is flood included?
Many home policies now include flood, but not all, and the definition matters. We check the wording for your address.
What is the difference between sum-insured and total replacement cover?
Sum-insured pays up to the amount you nominate. Total replacement cover pays whatever it costs to rebuild, which removes the risk of underinsurance but is not offered by every insurer.
Related cover
Ready when you are
General advice only. Consider the relevant PDS & TMD before acquiring any product.