With household insurance, you can repair damages to your property and keep it feeling like home. Here’s how to claim from your household insurance.

Don’t Claim From Your Household Insurance Until You’ve Read This

Don’t Claim From Your Household Insurance Until You’ve Read This

Household Insurance typically refers to insurance that covers all the items in your house that you would take with you in a move. Depending on your insurer, this type of insurance could be combined with other relevant forms of home insurance, such as building insurance or motor insurance.

With household insurance, you can repair damages to your property and keep it feeling like home. Here’s how to claim from your household insurance.

What Does Your Household Insurance Cover?

There’s a lot that can be covered under the benefits of motor and household insurance. While elements of building insurance and household contents insurance are thought to fall under household insurance, this article looks at household insurance as household contents insurance. As such, these are the items likely to be covered under a household insurance policy:

  • Furniture (including carpets, rugs, and paintings)
  • Appliances (fridge, microwave, vacuum cleaner, television, etc.)
  • Clothing
  • Linen
  • Personal possessions (clothing, watches, glasses, jewellery, sports equipment, etc.)

When Can You Claim From Your Household Insurance Policy?

While there are many options available and every policy is different, there are certain criteria that specify damages that most home and building insurance policies would cover:

  • Fire
  • Explosion
  • Landslide
  • Lightning
  • Flood/Water
  • Hail
  • Earthquake
  • Burglary/Theft
  • Malicious damage/Vandalism
  • Power surge
  • Accidental damage

It should be noted that normal wear and tear of household items is not covered by a household insurance policy.

Instances In Which A Home Insurance Claim May Be Rejected

  • Your household insurance is unlikely to cover damage caused by pets, such as soiling, tearing, denting, or otherwise defacing your property.
  • If you run a bed and breakfast (or another business) out of your home, the appliances in those rooms are excluded from your household cover policy. Speak to your insurance provider about what options are available for your home-based business, similar to commercial property insurance.
  • Not all theft claims are covered. You will only be paid out if you can prove forcible or violent entry to the property.
  • Your home insurance provider will be reluctant to pay out your claim, if there is an indication of poor property maintenance resulting in damage that could have been avoided, such as insect damage, bird or rodent damage, rust, rot, mould, and general wear and tear.
  • Damage to your property caused by roots or weeds is not covered.
  • Chipping of sanitaryware, wall or floor tiles, or paving is not covered.
  • A lack of sufficient security measures in the home can also impact your claim and your premiums.
  • Your insurance provider may be reluctant to pay out a claim, if your house is left unoccupied for a significant period of time.
  • In the instance of a power outage, things like food spoilage would not be covered.
Household and Motor Insurance protects your house and household contents from loss or damage caused by fire and natural disasters.

Household Items Covered By Homeowners Insurance

Household Items Covered By Homeowners Insurance

Household insurance essentially covers the building you call home as well as the household items you choose to fill it with. If your house is damaged (usually in the cases of fire or some natural disaster), home insurance steps in to cover the costs of repairing or rebuilding your house. In the case of personal property and household goods that are stolen or damaged, you can be reimbursed for the value of those belongings or receive a pay-out to replace them.

The cost of homeowners insurance can vary based on a number of factors, including the type of coverage selected, features in the home, and, of course, the value of one’s personal belongings. So, what household items are covered under a household insurance policy?

Household and Motor Insurance protects your house and household contents from loss or damage caused by fire and natural disasters.


Whether it’s your laptop or your entertainment system, electronics can be the most expensive losses in the event of a theft or fire. As with most household and motor insurance policies, some home electronics may already be included in your policy. However, you might want to update your policy if you buy new items that are worth more than what you’re covered for. If some electronics are being used for business purposes, like a desktop or home office, check whether your employer supplies coverage in some form. If that coverage is not enough or if you are self-employed, you may want to add to your household insurance policy to cover your business-related electronics.

Specialty Tools And Equipment

Like your electronics, you should speak with your insurance provider about cover for your power tools and specialised equipment. This kind of cover can vary depending on whether these are intended for work or home use, and can include items like power saws, lawnmowers, etc. Your household insurance can cover personal tools, but as with your electronics, tools and equipment intended for commercial use will require extra cover.


Looking to protect precious family heirlooms like your grandmother’s wedding ring? Some insurance providers include this under the household items they insure as part of your policy, but there is typically a limit to how much is covered under your policy. It’s best to take jewellery to be appraised first, before you decide it’s worth insuring. A professional appraisal will also help you negotiate the amount of cover with your insurer.


Some things are one of a kind and can have more than a sentimental value. Artwork may already be partially covered under a policy. However, it’s up to you to decide if that coverage is enough or if more should be added, especially if you have the artwork appraised and discover it to be worth more than it is currently insured for.

Cover Limits

It’s important to remember that the cover provided by household insurance has its limits. In this case, this very literal limit refers to the maximum amount your policy would be willing to pay towards a covered loss. You may want to sit down with your insurer and see if you can have your coverage limits adjusted to meet your needs.

Household and Motor Insurance goes the extra mile by extending cover to your car and garage structure. Like the home insurance side of your policy, these insurance policies can protect your car from theft or damage on your personal property. Protect your lifestyle with insurance that can cover your property against untimely loss or damage.

Grandmother, mother and son playing video games at home after taking funeral insurance.

How To Care For Your Aging Parents | Get Insurance

How To Care For Your Aging Parents

We love our parents and enjoy the wit and wisdom they have to share with us. Unfortunately, while some things improve with age, other things decline. Whether your folks are struggling with their physical or mental health or even if they don’t seem to be struggling at all, you’re probably thinking about how you can look after them in their old age. You may also be worrying that you might be too busy to invest in elder care. But you’ll be surprised at how much you can do for them to ensure you can still enjoy many happy moments as a family.

Grandmother, mother and son playing video games at home after taking funeral insurance.

Maintain Frequent Contact

Whether it’s a phone call or an in-person visit, keeping in touch with your parents on a regular basis can go a long way in caring for them. You can keep tabs on their health (to a degree) or learn whether they have been keeping socially active. If one of your parents has already passed, your calls can be a tremendous comfort to your other parent and help to reduce their risk for depression. This elder care tip is easy enough to do, no matter how busy you are, and your folks are bound to appreciate hearing from you.

Importance Of Community In Elder Care

Loneliness is an epidemic among the elderly, who witness the passing of their spouse and friends. This is why a large circle of friends and sense of community can be so important for your folks. It gives them a reason to get out and stay engaged in the goings-on in the world around them. Social connections like this can also create a support system closer to home. Should there be an emergency you cannot assist with, you can rest assured, knowing they have a support structure in place to help out. Finally, frequent social activities can help to keep your folks physically active and mentally stimulated, while preventing depression and health issues.

Visit Your Parents Often

As mentioned, there are a number of health benefits tied to frequent social interactions. And your parents would certainly appreciate visits from you above anything else. A face-to-face visit gives you an opportunity to see for yourself how your folks are faring and help with some DIY tasks they cannot manage on their own.

Hire A Nurse Of Caregiver

If you don’t have time to visit your folks regularly, consider hiring a nurse or caregiver. Of course, you should never let the presence of a caregiver take your place in your parents’ lives. Your parents certainly would prefer to spend time with you. However, a caregiver can be a very helpful presence to assist your aging parents with health care and chores. A nurse or caregiver can also help to keep your elderly folks lively and active. You can still play your part in caring for your elders, but a caregiver can help to preserve your parents’ independence to a large degree.

Take Out Funeral Cover

This is not a comfortable conversation for anyone to have, especially with a loved one. However, this is a very necessary conversation that many people fail to have, and this can lead to poor planning around managing the costs of a funeral. Without funeral cover, families can fall on financial hard times in the aftermath of a parent’s passing. If your parents haven’t taken out a funeral cover policy of their own, ask your insurance provider about taking out a funeral policy on their behalf. There are plenty of options these days for funeral cover for over 75, so you have a good chance of getting your folks covered.

So, there you have it: make a call, get your parents connected, pop in for a visit, or hire a caregiver. Your folks understand you have your life to live, but that doesn’t mean they don’t want to still play a part in it. Take the time to make more special memories with your folks, while there is still time to make them.