We have provided a brief general description of various covers outlined in this section, this is not intended to constitute or replace personal advice. As always you should read and consider the relevant Product Disclosure Statement to ensure it is suitable for your needs. For personal advice you should contact our office and speak with one of our qualified team.

Home & Contents Insurance

There are two types of cover available for home and contents, a Defined Events Policy or an Accidental Damage Policy.

Defined Events Policy

In a defined events policy the insurer will list the events that they will provide cover for, typically these include Fire, Storm, Burglary, Impact, Glass Breakage, Earthquake, Malicious Damage, and Lightning.

The cover provided is the same for both the building and your contents, and is most suitable for those seeking a basic cover with cover limited to the listed events happening at your home address.

Accidental Damage Policy

This policy provides a far greater level of cover than the defined events policy.  Rather than specifying the events covered it works by covering accidental loss or damage not otherwise excluded.  It also has benefits for loss or damage to your contents occurring away from your home.  Some examples of cover provided by the Accidental Damage policy that would not be covered under a defined events policy are;

  • Spilling red wine on your lounge
  • Plasma TV falling off the wall
  • Losing jewellery whilst on holidays
  • Sitting on your prescription glasses

As your home and contents are generally the most valuable assets you will own, our preference for our clients is to obtain the superior accidental damage cover.

< Prev   Next >
  • We listen, we act...
  • National Strength
  • Individual Commitment

At Austbrokers Southern, we listen, we act and we get the job done!

Austbrokers Southern is the South Coast’s leading Insurance Broker providing insurance for businesses and individuals for over 25 years. Austbrokers Southern, previously known as M and F Agencies is the South Coast's leading insurance broker.

Austbrokers Southern is part of the national Austbrokers Network, established in 1985.

Austbrokers significant growth has been largely achieved through the acquisition of equity in selected insurance broking and financial services businesses that allows individual brokers to retain a significant interest in their own broking business.

Austbrokers Southern will provide you with our individual commitment to always look after you, not only at the time of placing the insurance, but providing full support when you have a claim. This is when your insurance really needs to act.

We are known for our integrity and ethical dealings with our clients, insurance providers and colleagues within the Insurance Industry as a whole.