Home & Contents Insurance.
One storm, one break-in, one burst pipe - and the bill is yours unless the policy holds up. We compare home and contents cover across 90+ insurers and find the one that pays out on the day you claim.
Get a free quote
Won't affect your credit score.
What can we help you with?
What Is It?
Home & contents insurance - what it covers and why Australians need it
Home insurance covers the building - walls, roof, fixtures. Contents insurance covers what's inside - furniture, electronics, clothing, jewellery. Combined, it's one policy and one claim when a storm takes the roof and everything under it.
You pay a premium; when something goes wrong, the insurer repairs or replaces up to your sum insured. The catch: most households set that sum too low and only find out at claim time. We set it right up front.
What's Covered
What's included in a home and contents policy - standard and optional covers
Most policies cover the events below. The differences hide in the definitions and exclusions - that's the fine print we read for you.
Accidental Damage
A dropped TV, a foot through the ceiling. Not every policy includes it - we check before you sign.
Water Damage
Burst pipes, leaks and covered flood events - one of the most common home claims in Australia.
Theft & Burglary
Stolen items, plus the damage a break-in leaves behind.
Storm, Fire & Natural Disasters
Storm, fire, lightning and natural disasters - the claims that can total a house.
Vandalism
Malicious damage to your property or belongings by a third party.
Personal Liability
Legal costs and compensation if someone is injured on your property and claims against you.
Personal Valuables
Jewellery, cameras, laptops - high-value portable items usually need to be listed to be fully covered.
Alternative Accommodation
Somewhere to live, paid for, while your home is unliveable and being repaired.
Who Needs It
Who needs home and contents insurance - homeowners, renters, and landlords
Own or rent, you have assets worth protecting. What changes is which half of the policy you actually need.
Homeowners
Building and contents in one policy. When something breaks the house, the repair bill lands on the insurer, not you.
Renters
The building is your landlord's problem. Everything inside it is yours - contents cover fills that gap.
Landlords
A rental needs landlord insurance, not standard home cover - it protects the building plus tenant-related risks.
Students
Dorm or share house, your laptop and gear are still worth thousands. Student contents policies cost less than you'd think.
Families
Furniture, appliances, clothing, kids' gear - one policy covers the lot.
Renting out a property? That's a different policy - see landlord insurance.
Why Co-Pilot
Why Co-Pilot for home and contents insurance - not just any broker
Most people take the first quote a comparison site spits out. Here's what a broker changes.
We work for you, not the insurer
We're independent. Our job is the policy that protects your home, not the one that pays the biggest commission.
90+ insurers, including the fussy ones
High-risk postcodes, heritage homes, high-value contents - we know which insurers will take them on decent terms.
A sum insured that actually rebuilds
Most households are underinsured by 30-40% and find out at claim time. We set your replacement value properly up front.
We show up at claim time
Plain-language policy, reviewed annually. And when you claim, we argue your case with the insurer - not just at sign-up.
Cover that holds up on the day you claim - that's the whole point.
Hear What Our Clients Are Saying
“I had an outstanding experience with Kristy and Joanne Xie throughout the finance process for my new BYD Shark 6. From start to finish, they were professional, responsive, knowledgeable and genuinely committed to finding the best outcome for me. They made what can often be a stressful process feel smooth and straightforward, keeping me informed every step of the way and always taking the time to answer my questions. Their communication, attention to detail and customer service were exceptional. Even when timelines were tight, they worked hard behind the scenes to ensure everything was settled efficiently and without hassle. I highly recommend Kristy and Joanne Xie to anyone looking for vehicle finance. Their dedication, expertise and willingness to go the extra mile made all the difference. Thank you both for your amazing support and for helping me get into my new BYD Shark 6! — Tanvir Abdullah 🚗⭐️⭐️⭐️⭐️⭐️”
Tanvir Abdullah
FAQ
Common Questions About Home & Contents Insurance
Most Australians are underinsured. Let's make sure you're not.
Tell us about your place. We'll compare 90+ insurers and come back within 24-48 hours with cover matched to your property and your actual risk.
No impact to your credit score