Protect Your Sanctuary with Tailored Home & Contents Insurance
Your home is your safe haven. Secure your physical building, personal belongings, and hard-earned assets against extreme weather, theft, and accidents.
Settling on a new home or property? Australian banks require proof of building insurance prior to settlement—we issue bank-compliant Certificates of Currency promptly once cover is confirmed by the insurer.
Target Audience
Who Should Consider Home & Contents Insurance?
Essential protection for anyone wanting to avoid catastrophic financial loss:
Mortgaged Homeowners
Required by banks prior to loan settlement.
Outright Owners & Investors
Safeguards primary wealth and residential rental assets.
Renters
Landlords only cover the building structure—renters need standalone Contents Cover for personal belongings.
Coverage Architecture
What Can It Cover?
Depending on your selected policy, a well-structured home and contents insurance plan can include:
Building StructureHome Insurance (Building Cover)
Covers your physical building structure against flood, fire, explosion, natural disasters (such as earthquakes, storms, or lightning strikes), and damage by vandalism or break-ins.
- Physical building, roof, foundations, permanent walls & fencing
- Permanent bathroom fixtures, built-in kitchen cabinetry & benchtops
- Natural hazard perils: flood, bushfire, storm, lightning, earthquake
Bonus Benefit: Includes Public Liability Cover to protect you financially if a third party is accidentally injured on your property.
Personal BelongingsContents Insurance (Belongings Cover)
Protects your valuable possessions inside the home—such as furniture, electronic items, whitegoods, sporting equipment, and jewellery—so you can repair or replace them if they are damaged or stolen.
- Furniture, dining suites, lounges, wardrobes & household goods
- Electronic items, smart home entertainment, computers & appliances
- Whitegoods, refrigerators, washing machines, sporting & hobby equipment
Specialist Tip: Standard policies have "sub-limits" on luxury items. We can help you list high-value pieces as "Specified Items" so they are fully covered for their actual worth under your insurance home and contents package.
Transparency & Boundaries
What Isn't Covered? Navigating Exclusions & Excess
Clear upfront explanations of standard policy limits with exclusions explained upfront.
Wear and Tear
Gradual damage over time (mould, rust, termite damage) is considered maintenance and is not covered.
Unoccupied Property
Most insurers will limit or suspend cover if your home is left empty for more than 60 consecutive days without prior notice.
The Excess
The out-of-pocket amount you agree to pay toward a claim. We can help adjust this to optimize your ongoing premium costs.
Cost Determinants
How Much Does Home and Contents Insurance Cost?
Premiums are dynamically calculated based on your unique risk profile. Key evaluation factors include:
Location & Suburb Risk
Properties in areas prone to natural hazards (bushfires, floods) or higher theft rates carry higher premiums.
Building Replacement Value
Total square footage, architectural complexity, and rebuild costs directly drive the price.
Chosen Excess
Opting for a higher out-of-pocket excess immediately lowers your premium payments.
Security Measures
Monitored alarms, deadlocks, and security screens can qualify you for premium discounts.
Pricing Comparison
Because retail rates fluctuate constantly, the most accurate way to get a realistic cost estimate is to let us run a market comparison for you. Benchmark across 140+ insurers with Lesure to compare suitable home and contents insurance options for your property.
The Lesure Advantage
Why We’re Different
Broker advice backed by the Steadfast network and decades of underwriting experience.
Steadfast Network Leverage
Access exclusive policy wordings and competitive options from 140+ insurers through the Steadfast network.
Bespoke, Tailored Precision
Purpose-built policies designed around your specific trade, contracts, and actual business risk profile.
Fast Claims Support
End-to-end claims advocacy. When an incident occurs, we handle the entire process while you focus on your business.
Transparency & Bilingual Support
Clear policy reviews in English or Vietnamese, with the key terms and exclusions explained before you buy.
Protect Your Sanctuary Today
Securing your home and precious memories takes less time than you think. Let us help you design the ultimate home and contents insurance plan to safeguard your future.
Frequently Asked Questions