Home & Contents Insurance
Your home is your most valuable asset. We make sure it stays protected — no matter what.
Why Home & Contents Insurance Matters
For most Australians, their home is the single largest investment they will ever make. Yet every day, thousands of homes are damaged by storms, fires, floods, theft, and accidents — events that can cause devastating financial losses without the right insurance coverage in place.
Home and contents insurance is not just a financial product — it is the safety net that allows you to rebuild your life after the unexpected. Whether it is a burst pipe in the middle of winter, a break-in while you are on holiday, or a bushfire that threatens your neighbourhood, having the right cover means you can face these challenges without financial ruin.
At HC Insurance, we take the time to understand your property, your belongings, and your lifestyle — so we can match you with a policy that truly reflects your needs, not just a generic off-the-shelf product.
What’s Covered
Our home and contents policies are designed to cover the things that matter most to you.
01
Building Cover
- Fire, storm & flood damage
- Earthquake & lightning strike
- Malicious damage & vandalism
- Accidental breakage of glass
- Temporary accommodation costs
- Debris removal & rebuilding costs
02
Contents Cover
- Furniture, appliances & electronics
- Clothing, jewellery & valuables
- Theft & burglary
- Accidental damage inside the home
- Portable valuables away from home
- Food spoilage after power failure
03
Additional Benefits
- Legal liability protection
- Motor burnout cover
- Lock replacement after break-in
- Pets injury cover (selected policies)
- Home office equipment
- 24/7 emergency assistance
Types of Cover We Arrange
Owner-Occupied Homes
Full building and contents cover for families living in their own home. We assess the correct replacement value of your property to ensure you are never underinsured — one of the most common and costly mistakes Australian homeowners make.
Investment & Rental Properties
Landlord insurance protecting your investment property against tenant damage, loss of rental income, legal liability, and building damage. Essential protection for any property investor in today’s rental market.
Renters & Tenants
Contents-only cover for tenants who want to protect their personal belongings without paying for building cover they do not need. Affordable, flexible, and often overlooked — your landlord’s policy does not cover your possessions.
The Danger of Being Underinsured
Research consistently shows that a significant proportion of Australian homes are underinsured — meaning if disaster strikes, the payout will not be enough to fully rebuild or replace what was lost. This can leave families tens or even hundreds of thousands of dollars short at the worst possible moment.
At HC Insurance, we conduct a thorough assessment of your property’s replacement value — taking into account current construction costs, materials, size, and features — to ensure your sum insured accurately reflects what it would truly cost to rebuild from scratch.
We review your cover annually and update it as your circumstances change, so you are never caught underinsured.
Protect Your Home Today
Talk to HC Insurance for a home and contents review — we will check your sum insured actually reflects what it would cost to rebuild.