How do I know if I'm underinsured?

If your sum insured hasn't been reviewed since you bought the policy, you probably are. Construction costs have risen sharply, and rebuilding includes demolition, debris removal and council compliance costs many people forget. We review this with you every year.

Your home, covered properly. Not just cheaply.

Most Australians discover the gaps in their home insurance at the worst possible moment — at claim time. A Stonewell broker checks your sums insured, flood cover, and policy definitions before you need them, then stands beside you if you ever make a claim.

Get a Home & Contents Quote 1300 080 323

Built for

Homeowners and owner-builders
Landlords and property investors
High-value homes needing specialist cover
Strata unit owners needing contents and lot cover

What's covered

Cover we tailor for you

Buildings

Full rebuilding cost including debris removal, demolition and professional fees.

Everything inside — with options for accidental damage and portable valuables.

Flood & Storm

We check flood definitions and mapping so you know exactly where you stand.

Temporary Accommodation

Somewhere to live while your home is repaired or rebuilt.

Legal Liability

Protection if someone is injured at your property.

Landlord Options

Rent default, tenant damage and liability cover for investment properties.

Covers vary by insurer and policy. Your broker will confirm exactly what applies before you buy — in writing, in plain English.

Good questions

Home & Contents FAQs

Direct insurers sell you their product. A broker compares multiple insurers, checks you're not underinsured, and — critically — manages the claim for you if something goes wrong. It usually costs no more than going direct.

Often paired with

Business Commercial Motor Professional Indemnity

Get your home & contents quote today.

Two minutes to request. Same-day response from a broker who knows this cover inside out.

Get a Quote 1300 080 323