Home Insurance
Contents and liability cover around the same roof.
Rebuild With Confidence
Fire cover that rebuilds without the fight
A fire takes your home in an afternoon; the rebuild should not take years of arguments. Our fire insurance pays the full cost of rebuilding to today's standards — including demolition, smoke and water damage, and a temporary home while builders work.
What is included
- Full rebuild costRebuild to current building codes at today's prices — not last decade's sum insured.
- Smoke, soot & water damageThe rooms the flames never reached are covered too, including firefighting water harm.
- Temporary accommodationA rental home for up to 12 months while yours is rebuilt, paid directly by us.
- Demolition & debris removalClearing the site is included, so the full sum insured goes into the rebuild.
- Bushfire-ready extrasHigher rebuild allowances and ember-attack repairs for fire-prone streets.
| Benefit | Standard | Plus |
|---|---|---|
| Rebuild to sum insured | Covered | Covered |
| Smoke & water damage | Covered | Covered |
| Temporary home (12 months) | Included | Included |
| Demolition & debris | Optional | Included |
| Bushfire rebuild uplift | — | Included |
How It Works
From ashes to rebuild in four steps
01
Report & Make Safe
One call starts the claim and arranges emergency boarding, power and security.
02
Assessor In 48 Hours
A fire specialist documents every room — structure, smoke, soot and water harm.
03
Temporary Home Sorted
We place your family in a rental nearby and pay the landlord directly.
04
Rebuild & Settle
Approved builders reconstruct to code while your handler tracks every invoice.
Yes — bushfire, kitchen fires, electrical fires and lightning strikes are all covered, with an extra rebuild uplift on Plus in fire-prone areas.
Yes. Smoke, soot and firefighting water damage are covered across the whole property, not just the rooms that burned.
In a rental home of a similar standard for up to 12 months, arranged and paid for by us — most families move in within a week.
Keep Exploring
Pairs well with fire cover
Business Insurance
Workshops and stockrooms need the same rebuild depth.
Car Insurance
Garaged cars burn too — keep motor cover current.