Home insurance in Adelaide

• Home insurance. Your home’s structure, driveway, in-ground pool and garage are all covered under a home insurance policy in the event of damage or destruction.
• Contents insurance. A contents insurance policy is a popular choice for renters and protects the valuables and other belongings inside a home. For things like your phone, laptop or glasses, you may want to purchase portable contents cover as an optional extra for an additional premium for cover outside the home.
• Home and contents insurance. For comprehensive cover, you might consider a combined home and contents policy. This single policy can protect your home and belongings against insured events .
• Landlord insurance. If you have a rental property, then landlord insurance could cover your home and its furnishings. Keep in mind it won’t cover anything owned by the renter.
• Strata insurance. This type of policy is mandatory if you own an apartment, building or townhouse complex. You typically pay a body corporate fee that covers the building and its common areas (e.g. carparks, lobbies, elevators, pools, etc) if they‘re damaged. It also offers legal liability cover.

The level of cover you choose for your home and contents insurance will affect the inclusions of your policy. For extra cover for your house in Adelaide, there may be optional extras you can add to your policy for further cover, though this may incur an additional premium. Depending on your level of cover, your policy may include the following:

When comparing home insurance quotes, be sure to read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) for the full details on the inclusions and exclusions of your policy, and whether the policy is right for you.

Unlike other places in Australia, Adelaide isn’t known to suffer cyclones, but it is still vulnerable to other natural disasters, particularly severe storms, bushfires and flooding.

If you live in a bushfire-prone area or flood zone, you may have a higher premium due to the higher likelihood of needing to claim. Flood cover may also need to be purchased as a possible extra, pushing up the cost of your home insurance even further. But without this cover, you may need to pay to rebuild or repair your home if it’s damaged.

Other factors that may affect the cost of your home insurance premium include the crime rate in your suburb, the age of your home and what it’s made from, the level of cover you want, if you add optional cover and your nominated excess.

It’s impossible to predict things like a thief breaking into your home, so home insurance can offer peace of mind. Unless your property is under strata title, it’s not compulsory to get home insurance in Adelaide, however, many Australians may find it worthwhile.

Home insurance can be useful if a devastating event makes your home unliveable until it can be repaired or rebuilt. Your policy may not only cover rebuilding costs, it could also cover temporary accommodation while it’s been repaired. Not having home insurance could mean all these costs need to come out of your pocket – which isn’t feasible for many Australians.

Still unsure whether home insurance is right for you? Why not search for home insurance policies with our online comparison service and decide for yourself!

The city you live in shouldn’t affect the way you claim on your home insurance. If you need to make a claim, contact your insurer as soon as possible, but don’t start fixing things yet.

You may not be able to claim back the full amount if you start emergency repairs before speaking to your insurer as they may have preferred contractors. If your home is no longer liveable, ask your insurer about temporary accommodation, as this may be covered by your policy.

It could be easier to make an insurance claim if you supply documentation and evidence of your need to claim. This may include:

• Receipts
• Photos
• Videos
• Police reports (e.g. if it was caused by malicious damage)
• Itemised list of damaged items.