Home & Contents Insurance.
Your home is your biggest asset and your contents are years of accumulated value. One storm, one break-in, one burst pipe - and without the right cover, the costs come out of your pocket. Co-Pilot compares home and contents policies across 90+ insurers so you get cover that actually protects you, not just the cheapest tick-the-box policy.
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What Is It?
Home & contents insurance - what it covers and why Australians need it
Life's full of surprises - some good, some not so great. Home & Contents Insurance gives you a financial safety net, covering your home and belongings against unexpected events like storms, fires, and theft. Whether you're a homeowner or renter, the right insurance helps you bounce back quickly without the stress of major out-of-pocket expenses.
Think of it as your financial backup plan. You pay a monthly or annual premium, and if something goes wrong - like a break-in or a burst pipe - you file a claim. Your insurer assesses the damage and either covers repairs or helps replace what's lost, up to the limits of your policy.
What's Covered
What's included in a home and contents policy - standard and optional covers
At Co-Pilot Finance & Insurance, we've got your back when it comes to protecting your home and everything in it. With the right cover, you won't face these situations alone. Home & Contents Insurance typically covers:
Accidental Damage
Sudden, unexpected damage to your home or contents - whether it's a mishap or something more serious.
Water Damage
Burst pipes, leaks, and certain flooding events that damage your property or belongings.
Theft & Burglary
Stolen items and damage caused by break-ins to your home.
Storm, Fire & Natural Disasters
Damage from severe weather events, fire, lightning, and other natural disasters.
Vandalism
Malicious damage to your property or belongings caused by a third party.
Personal Liability
Legal costs and compensation if someone is injured on your property and makes a claim against you.
Personal Valuables
Portable items like jewellery, electronics, and cameras - many policies offer scheduled cover for high-value items.
Alternative Accommodation
Temporary housing costs if your home becomes uninhabitable while repairs are underway.
Who Needs It
Who needs home and contents insurance - homeowners, renters, and landlords
If you own or rent a property in Australia, you have assets worth protecting. The type of cover you need depends on your situation.
Homeowners
Protect your building and everything in it. If your home is damaged, insurance means you won't face massive out-of-pocket costs.
Renters
You don't need building cover - but your belongings inside the rental are your responsibility. Contents insurance fills that gap.
Landlords
Cover your building against damage and protect yourself from liability if a tenant or visitor is injured on your property.
Students
Keep your stuff safe while living in dorms or share houses. Many insurers offer affordable student contents policies.
Families
Protect what matters most to your family - from furniture and appliances to clothing and kids' gear - all in one policy.
No one plans for accidents, but having the right coverage means you won't have to worry about a sudden financial hit when things go wrong.
Why Co-Pilot
Why Co-Pilot for home and contents insurance - not just any broker
Most people pick the first policy they see or go direct to an insurer. Here's why working with a broker gets you better cover at better value.
We work for you, not the insurer
As an independent broker, we have no loyalty to any insurer. Our job is to find the cover that actually protects your home and belongings - not the policy that earns someone a commission.
Insurer relationships that open doors
Access to 90+ insurers, including those with specialist appetite for high-risk postcodes, heritage properties, and high-value contents that standard insurers won't cover on preferred terms.
Honest advice on the right sum insured
Most Australian households are underinsured - and find out too late. We help you set the right replacement value for your home and contents so a claim actually covers what you lose.
Clear communication, no surprises
We explain your policy in plain language, review it annually, and are available when you need to make a claim - not just at sign-up.
With Co-Pilot Finance & Insurance, you're not just getting a policy - you're getting peace of mind.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Home & Contents Insurance
Most Australians are underinsured.
Let's make sure you're not.
Co-Pilot compares home and contents policies across 90+ insurers to find cover that matches your property, your belongings, and your actual risk - not a generic off-the-shelf policy.