Who it is for
- Homeowners
- Tenants who want contents protection
- Families reviewing household property and liability exposure
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Householder Insurance
Household protection structured across three areas: the building, its contents, and personal liability.
An advisor can help you confirm the limits, terms, conditions, and exclusions that apply to your situation.
General Insurance/Property
Enquire about cover What this cover can help address.
Use this summary as a starting point. A policy's full terms, limits, exclusions, and conditions should guide the final decision.
- Buildings
- Household contents
- Personal or public liability
Speak with our team about arranging this cover and the information needed.
Enquire about coverCover highlights
- Building protection where the insured owns the structure
- Household contents cover for belongings
- Personal or public liability protection depending on the policy
Helpful documents
- Home address and occupancy details
- Estimated building and contents values
- Inventory or evidence for valuable items
- Previous loss history where applicable
Know what to keep ready before there is a loss.
Claims guidance
Report household loss promptly, protect the property from further damage, keep photographs, receipts, repair estimates, and incident reports where available.
Important limitations
- Building and contents sums insured should be realistic.
- High-value items may need to be declared separately.
- Wear and tear, gradual damage, and excluded perils may not be covered.
Common questions about Householder Insurance.
What is Householder Insurance?
It is household protection for the building, contents, and liability exposures, depending on the cover selected.
Can tenants buy householder insurance?
Tenants can discuss contents and liability protection even when they do not own the building.