Cover for any building and its contents, including your home — fire, burglary and business interruption.
Property insurance covers a building and, depending on the policy, its contents against fire and a range of other specified perils. It spans everything from a home policy covering a family's residence and belongings, to a Standard Fire & Special Perils policy protecting a factory, warehouse or shop, often with business-interruption cover layered on top.
The core commercial/industrial property cover for fire and a defined list of additional perils.
Cover for theft involving forcible and violent entry, as defined in the policy.
Covers loss of income/profit while operations are disrupted by an insured property damage event.
Structure and/or contents cover for a residence, often with optional riders for valuables.
Every policy is different — this is a general guide to the kind of exclusions common in this category, not a list for any specific policy.
Call the fire brigade or emergency services if needed, and make sure everyone is safe.
Photograph and video the damage before any cleanup or repair begins.
Note down damaged or lost items and, where possible, their approximate value.
As soon as possible, with your policy number and a brief description.
A survey/assessment is usually required, especially for larger claims, before the claim is settled.
For full step-by-step guidance and a claim assistance form, visit the Claims Centre →
We're preparing a short explainer on fire, property & home insurance. In the meantime, the sections above cover the essentials — or get in touch with a question.
Not always automatically — this varies by insurer and plan, and is worth confirming explicitly, particularly if your property is in an area exposed to either risk.
Building cover protects the structure itself; contents cover protects what's inside (furniture, stock, equipment, valuables). Many policies let you choose one, the other, or both.
Often yes, depending on the insurer and policy structure — for jewellery or high-value stock specifically, a Jewellers Block policy may be a better fit than a generic property policy.
Tell us what you need covered — no payment or policy details required to start the conversation.