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    3. Home & Contents Insurance

    Home & Contents Insurance

    Home insurance policies can provide cover for a range of insured events to protect your home, contents and personal effects.

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  • Why is this cover important?

    There are many benefits with taking out a Home and Contents policy with Citycover, including expertise, advice, risk management, claims service and the range of policies we have access to. Every Household is different, so we tailor insurance to suit your needs. When you have a claim, you want to make sure you are covered correctly, and you want the process to be seamless. You’ve worked hard for your investment so that’s what you deserve.

    81% of homeowners are exposed to significant financial loss because their insurance does not cover them to resume the same standard of living in the event of crisis. ^Source Insurance Council of Australia 2014

    Citycover provides you with the right advice and when disaster strikes, rest assured, you can resume the same standard of living because the right cover is in place.

  • Policy Cover Can Include

    • Legal Liability

      Minimum $20 million legal liability cover.

    • New for old replacement

      Replacement to a condition substantially the same as when new.

    • Optional Worldwide Cover

      For your contents whilst they are temporarily away from the home, Worldwide.

    • Storm Damage

      Loss or damage by storm including damage to external blinds, gates, fences and landscaping.

    • Theft or Attempted Theft

      Theft or attempted theft including Malicious Acts.

    • Impact

      Impact by a vehicle, falling trees or branches.

    • Fire, explosion, earthquake, lightning

      Loss or damage by fire, explosion or earthquake. Lightning including power surge.

    • Flood or Escaped Liquid

      Flooding, escaped liquid (e.g. from washing machines, toilets or hot water systems.

    • Breakage of glass

      Replacement if glass is damaged.

    • Fusion of an electric motor

      Including Air-conditioning systems and fridges.

  • Broader Protection

    If you require a broader level of protection, we can extend your home insurance policy to provide cover for accidental loss or damage. Automatic cover is provided for your contents temporarily away from your home, anywhere in the world.

    Higher levels of cover are available for higher valued homes, personal fine art, antiques and jewellery.

  • Why Us?

    When you take out Household Insurance with Citycover, you will immediately have access to our expert claims team and experienced Advisers for advice on Risk Management.

      • Citycover’s claims team has been recognised as an industry leader “quoted by a prominent insurer”.
      • We have access to competitive pricing and broad coverage to suit the needs of your lifestyle.
  • FAQs

    Frequently Asked Questions for Home & Contents Insurance.

    • I found a really cheap quote online, why is it so cheap?

      Insurance is like any other product, you pay for what you get. There are many different insurers offering policies in different shapes and forms.

      Service is extremely important.

      This is the difference between a claim being paid out over night and a claim being paid out painstakingly over a year. Cheap premiums are on offer because costs are being cut elsewhere.

      Coverage is also extremely important.

      This is the difference between your claim being paid out or not paid out at all. Quite often, this results in financial burden in the long run.

    • What is a ‘Flood’?

      In June 2012, the Insurance Council of Australia and Federal Government agreed to adopt the below definition:-

      The definition of flood is:

      • The covering of normally dry land by water that has escaped or been released from the normal confines of:
      • Any lake, or any river, creek or other natural watercourse, whether or not altered or modified; or
      • Any reservoir, canal, or dam.
    • Can I pay my premiums by the month?

      Yes. All insurance offered by Citycover can be paid by the month through premium funders. If you chose to use the premium funder’s service, your monthly instalments will be tax deductible.

    • How is my premium calculated?

      A number of factors contribute to you household insurance premium each year.

      The following rating factors apply:

      • The risk associated with your postcode
      • Your overall home security
      • Your claims history
    • How do I make a claim?

      As your Adviser, you will always contact Citycover in the first instance and we will guide you through the claims process as this can vary from insurer to insurer.

  • Need Help?

    Our experienced team is ready to answer any questions you have.

      • Over 45 Years of Trust
        Australians have been trusting Citycover with their insurance needs since 1972.
      • 24/7 Emergency Claims Service
        We take the stress away, as we know claims don’t just occur between the hours of 8am to 5pm.
      • Member of Austbrokers
        Top 250 ASX-listed company, better wordings, better governance and better purchasing power.
  • Need to Claim?

    • Our claims process is seamless, market leading and hassle free. You can submit a claim 24/7 online, or alternatively you can phone us during business hours on (07) 3270 1500 or after hours on 0419-710-868. Your dedicated claims specialist will assist you with your claim from start to finish.

    • Find Out More
  • Our Team

    The knowledge and experience of Citycover’s amazing team is widely recognised. We are extremely passionate insurance professionals, who love what we do.

    • Mark Sandow

      Chief Executive Officer

      Stewart Harker


      Daneille Crawford

      Manager - Client Services

      Gayle Herriman

      Manager - Claims Services

      Kerrilyn Olver

      Claims Adviser

      David Kimber

      Senior Insurance Adviser

      Jonathan Hobson

      Senior Insurance Adviser

      Lynette Braddock

      Insurance Adviser

      Paul McGregor

      Insurance Adviser

      Tracy Livesey

      Insurance Adviser

      Liz Walker

      Insurance Adviser (AR 001256865)

      Paul Cotterill

      Insurance Adviser (AR 000442425)

    • I recently had the absolute pleasure in dealing with the Citycover Claims Department, who put their heart & soul into helping us obtain retribution from an Air Con installer. Our ducted system was not installed correctly, which resulted in damage to the ceilings in our home. If it wasn’t for their unrelenting persistence, we would never have achieved the outcome we had hoped for, which was 100% successful.

      I deal with Citycover (Aust) both professionally on behalf of the company I work for, and personally for my own insurances. I could not recommend highly enough the professional & caring service all department staff have given us. I feel safe & secure knowing I have them in my corner, especially in today’s world when you are dealing with insurance company jargon that even the best of us get lost in. That’s why I leave it to the professionals!

      Tina S
      26th October, 2017