Protect your home — and what’s inside it.
Home and contents insurance helps cover your property and belongings against unexpected events like fire, storm damage, theft, and accidental damage.
Whether you own your home or rent, we’ll help you arrange cover that fits your lifestyle, budget, and what you actually need protected.
- Simple, fast quotes
- Cover options tailored to you
- Support when it matters most
Why Home and ContentsInsurance matters
Your home is one of your biggest investments — and your belongings can add up fast.
A single event like storm damage, a burst pipe, or a break-in can cause expensive losses and major disruption. The right cover can help you recover quickly and reduce the financial impact.
What is Home andContents Insurance?
Home and contents insurance typically covers:
- Home Insurance — the building itself and fixed structures
- Contents Insurance — your belongings inside the home
You can insure both together, or choose home-only or contents-only depending on your situation.
what can home insurance cover
Home insurance can help cover damage to your building and permanent fixtures, such as:
- The main structure of your home
- Fixed floors, walls, and roofing
- Kitchens, bathrooms, and built-in cabinetry
- Garages, sheds, and fences (depending on the policy)
- Storm and weather-related damage
- Fire and smoke damage
- Burst pipes and water damage (subject to terms)
Cover depends on your home type, location, and insurer options.
what can contents insurance cover
Contents insurance can help cover your belongings inside the home, including:
- Furniture and appliances
- Electronics (TVs, computers, devices)
- Clothing and personal items
- Kitchenware and household items
- Tools and equipment (within limits)
- Theft and break-ins
- Damage from insured events
If you’ve ever had to replace everything in a house at once — you’ll know how quickly the cost adds up.
Who is this cover for?
Home and contents insurance can be a great fit for:
- Homeowners
- Landlords (home/building cover depending on the setup)
- Renters (contents-only cover)
- First home buyers
- Families and shared households
- Apartment and townhouse owners
If you live in it — or own it — it’s worth protecting.
Optional extrasyou may want to include
Depending on your needs and insurer, you may be able to add:
- Accidental damage cover
- Portable valuables cover (phones, laptops, jewellery)
- Motor burnout (for certain appliances)
- Higher limits for valuables
- Cover for home office equipment
- Temporary accommodation (if your home becomes unliveable)
We’ll help you choose what makes sense, without loading up cover you don’t need.
What affects the cost of
Home and Contents Insurance?
Premiums can vary based on:
- Your suburb/location
- Building type and construction materials
- Sum insured (home rebuild cost + contents value)
- Security features (alarms, locks, cameras)
- Claims history
- Excess amount
- Optional extras like accidental damage
We’ll help you balance price with cover that actually protects you properly.
Why choose Bunker?
At Bunker, we focus on clear advice and practical cover options — without confusion or stress.
- Straightforward guidance
- Cover options matched to your home and lifestyle
- Fast quote process
- Help understanding what you’re actually covered for
- Support at claim time if things go wrong
OUR home & ContentsINSURANCE partners
FREQUENTLY ASKED
QUESTIONS
How do I know how much to insure my contents for?
A good approach is to add up replacement costs for major categories like furniture, electronics, appliances, clothing, and valuables. We can help you estimate a realistic figure.
Does Home and Contents Insurance cover storms and flooding?
Storm damage is commonly covered, but flood cover can vary by insurer and policy wording. We’ll help confirm what’s included.
Does it cover theft outside the home?
Standard contents cover may be limited outside the home, but portable valuables cover can help protect items you take with you.
Can I insure a unit, apartment, or townhouse?
Yes — cover options may vary depending on strata arrangements. We can help you understand what strata covers versus what you need personally.
Is accidental damage worth it?
It depends on your household and risk tolerance. It can be useful if you want broader cover for everyday mishaps (especially with kids or busy households).
Get a quote for Home and Contents Insurance
We’ll help you protect your home and what matters inside it — with cover suited to your needs and budget.