Home & Contents Insurance Australia | Protect Your Home & Belongings

Protecting Your Home, Belongings, and Peace of Mind

Your home is one of your most valuable assets — and protecting it from unexpected events is essential.

Home & Contents Insurance provides financial protection for your property, possessions, and legal liability if something goes wrong, helping you recover quickly after a loss.

There are two levels of protection Listed (Defined) Events Cover and Accidental Damage Cover so you can choose the policy that best suits your needs.

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Listed (Defined) Events Insurance Cover

Essential Protection for Common Insured Events

This type of policy provides fundamental cover for loss or damage caused by specifically defined events.

It includes new-for-old replacement for your home and contents if they are damaged or destroyed by an insured event.

Fire or explosion

Covers loss or damage to your home or contents caused by fire or explosion.

Malicious damage or vandalism

Covers damage caused by malicious acts or vandalism.

Storm, hail, or wind damage

Covers damage caused by storm, hail, or wind events.

Flood (optional or not available under some policies)

May cover flood-related damage where included under the policy.

Impact damage from vehicles

Covers damage caused by impact from vehicles.

Theft or attempted theft

Covers loss or damage resulting from theft or attempted theft.

Glass breakage

Covers accidental breakage of glass within the home.

Water damage

Cover for damage caused by electrical storms.

Earthquake or lightning strike

Covers damage caused by earthquake or lightning strike.

Impact damage from trees or falling objects

Covers damage caused by impact from trees or falling objects.

Additional cover may include:

Legal Liability

Protects you if someone is injured or their property is damaged at your home.

Temporary Accommodation Costs

Covers the cost of alternative housing while your home is being repaired or rebuilt.

This policy is ideal for homeowners or landlords seeking reliable, straightforward protection against common risks.

Accidental Damage Insurance Cover

Comprehensive All-Risks Protection

Accidental Damage Cover provides the broadest level of home insurance available.

It includes all the benefits of the Listed Events Policy, plus additional protection for accidental loss or damage to your home or contents — even when the cause isn’t specifically listed.

Spilling wine on a new carpet

Covers accidental damage to your home or contents.

Accidental damage caused by children or pets

Covers damage caused by everyday accidental incidents.

Dropping and breaking valuable household items

Covers loss or damage resulting from theft or attempted theft.

Unexpected incidents not defined under standard events

Covers property loss or damage even when the cause isn’t specifically listed.

If you’re looking for complete peace of mind and flexibility, Accidental Damage Insurance ensures you’re protected against almost every scenario — except those specifically excluded under the policy terms.

Why It Matters

Whether you own your home or rent it out as an investment, damage or loss from fire, storms, theft, or accidents can create significant emotional and financial strain.

Having the right Home & Contents Insurance in place helps you recover faster — covering the cost of repairs, replacements, and temporary accommodation when you need it most.

Who Should Consider This Cover

Leadership roles exposed to personal liability and governance responsibilities

Homeowners

Protects your home, belongings, and legal liability if something goes wrong.

Landlords and Property Investors

Provides protection for property, possessions, and rental-related risks.

Tenants seeking contents protection

Covers personal belongings against accidental loss or damage.

Holiday and Short-Term Property Owners

Helps protect property and contents from unexpected events and damage.

Protect What Matters Most

At Bind Insurance, we understand that every home is different.

Our experienced brokers will help you choose between Listed Events and Accidental Damage cover — ensuring your property and possessions are protected with a policy that matches your lifestyle and budget.