Home insurance, explained — from the policy wording to the claim
The deepest cluster on the site: buildings and contents cover, claims, complaints, pricing and the market forces behind them — written for policyholders and professionals alike.
Explore Home Insurance by topic
Each subhub answers specific questions for policyholders and explains what the current market and regulatory picture means for them. Most are planned; the sample guides below are live drafts.
Buildings insurance
What's covered, what isn't, and how sum-insured vs rebuild-cost cover works.
Contents insurance
Cover for possessions, theft, damage and accidental loss — at home and away.
Combined home insurance
When bundling buildings and contents makes sense — and when it doesn't.
Renters & tenants
What tenants can and can't insure, and why it matters.
Home insurance pricing
Premiums, risk rating, why prices move, and how to keep them fair.
Policy terms
Excess, limits, exclusions and the wording that decides a claim.
Home insurance claims
How to claim, what slows it down, and what to do if it's rejected.
Home insurance complaints
Escalate to the ombudsman and learn what good outcomes look like.