Home & Contents Insurance

Home insurance that fits the way you live

Your home is more than bricks, walls and a roof. It is where your family lives, where your belongings are kept and, for many people, their most valuable asset.

Safeguard Insurance Brokers helps homeowners across Adelaide and South Australia arrange home and contents insurance that suits their property, lifestyle and stage of life.

Whether you own a family home, unit, townhouse, rural home or downsized property, we can help you compare cover options and understand what protection may be available.

What is home and contents insurance?

Home and contents insurance can help protect you financially if your home or personal belongings are damaged, destroyed, lost or stolen.

You can choose different levels of cover depending on your needs. Some policies provide cover for specific listed events, while others offer broader accidental damage cover.

Home insurance generally relates to the physical building. Contents insurance generally relates to the belongings inside your home.

What can home insurance cover?

Depending on the policy selected, home insurance may include cover for:

• The building and permanent fixtures
• Garages, sheds and other structures
• Damage caused by fire, storm, rainwater, hail, lightning or impact
• Accidental damage, where selected
• Temporary accommodation if your home cannot be lived in following an insured event
• Demolition and removal of debris
• Rebuilding costs required to meet current standards
• Environmental upgrade options
• Catastrophe cover for declared natural disasters
• Legal liability cover

What can contents insurance cover?

Contents insurance can help cover personal belongings such as:

• Furniture
• Appliances
• Clothing
• Electronics
• Jewellery and valuables
• Sporting equipment
• Personal items
• Portable items, where selected

Depending on the policy, contents cover may include theft, fire, storm, accidental damage, vandalism or other insured events.

Helping you recover when home life is interrupted

The greatest benefit of home and contents insurance is being able to repair, rebuild or replace what matters if your home or belongings are damaged, stolen or destroyed. It’s not just about the building. Contents insurance can help protect the things you use every day — furniture, clothing, appliances, electronics, personal items and valuables. Home insurance can also help with temporary accommodation if your property cannot be lived in after an insured event.

Talk to Safeguard Insurance Brokers about cover for your home, belongings and personal liability.