Don’t get caught out with Home and Contents cover that falls short when you need it most.

You know how important it is to insure your home and belongings, but are you sure you’ve got enough cover? A recent study indicates a high percentage of Australians are underinsured*. It’s likely a large part of this is because they’ve underestimated the cost of rebuilding their property or replacing their belongings.

We don’t want you to find out the hard way that your insurance doesn’t cover your rebuild, repair or replacement costs, so we provide online insurance calculators to help you figure out how much cover you need (your ‘sum insured’).

Your home

Our home insurance calculator takes into account factors like the size of your property, the quality of building materials and the cost of hiring architects or engineers.

And by using our home insurance calculator to set your sum insured, you qualify for our Building Sum Insured Safeguard – it provides 30% extra cover if our calculator’s estimate falls short.

For even greater peace of mind, you could get a second opinion. Independent professionals such as a quantity surveyor or valuer can provide you with an accurate valuation.

Your contents

Using our contents insurance calculator can make getting the right level of cover for your belongings just as easy. It factors in the quality and quantity of your possessions as well as the value of prized personal items.

Be aware that valuables, such as electronics and jewellery, may not be fully covered by standard Contents Insurance. You may need to boost your cover to get maximum protection for those items. And if you want to ensure they’re covered when you take them out and about, you’ll need Portable Contents insurance or a Home Prestige policy.