Home & Contents Insurance

Your home is your castle and your belongings are your treasures. But what’s a lifetime of belongings and memories worth?

Getting a home and contents insurance policy is essential for protecting your family and your lifestyle, but finding the right insurance solution can take time.

The first step is to choose the type of home insurance you need. Generally there are two different home and contents policies available. They are commonly referred to as “Accidental Damage” and “Defined Events”. Defined Events is also sometimes known as “Insured Events”.

The difference between the policies is summarised as follows:

Accidental Damage

This type of policy covers any accidental loss or damage to your property, unless specifically excluded.

Accidental Damage is the more comprehensive cover option. It insures a wider range of circumstances than a Defined Events policy (including the accidental breakage of an expensive object). Accidental Damage policies also contain higher policy limits and allowances.

Defined Events

This policy specifically lists the events that you are covered for. Anything not mentioned is not covered. Common defined events included are:

  • Fire
  • Theft
  • Storm
  • Lightning
  • Explosion
  • Accidental breakage of glass
  • Malicious damage
  • Earthquake
  • Impact

Liability

Both policies automatically include personal Public Liability cover for you and your family living at the situation, in relation to your ownership / occupancy of the home. In summary, Public Liability covers you for legal costs and compensation you become legally liable to pay, as the result of an occurrence in which you were found negligent, and caused personal injury or damage to the property of a third party.

How Much Do I Insure For?

The most common type of insurance is to cover most items for “new for old”, also known as replacement value. It is imperative that the sum insured you select represents the full replacement value of your home and contents.

Cordells Building Sum Insured Calculator & Guide

Contents Sum Insured Calculator & Guide

Specified Valuables & Contents

Many valuable items need to be specified on the policy in order to be insured for their correct value. Items such as jewellery, gold or silver articles, paintings, works of art, antiques, furs and special collections often need to be listed separately.

Some other contents are restricted to certain amounts, unless the items are individually specified. Some examples are: home office contents, money and negotiable documents, tools of trade, and spare parts for motor vehicles or motor cycles. Each insurance company has its own limits, which are detailed in the policy document that we supply on arranging the cover.

We can assist you to identify and correctly insure these types of contents.

MKW will help you select the right Home and Contents Insurance solution to meet your needs so please contact us to discuss further.

 

Please complete the online form below to obtain a Home & Contents Quotation

Existing Insurance Paperwork

If you have existing insurance paperwork available either scanned copies or PDF copies please complete the basic required details following and use the file upload section at the bottom and we will be in touch.

About You

Claims Information

Location Information

Acceptance Criteria

Coverage

Building

If your home is built with different types of materials, select the material which the majority of the walls of your home is made from.
If your roof is built with different types of materials, select the material which the majority of the roof of your home is made from.
Number of Rooms that contain either Bath or Shower
Size in Square Metres
Standard quality  - Homes of common design with simple laminated benchtops and kitchen appliances. Basic aluminium windows and shower screen frames along with unremarkable interior walls, floors, ceilings and doors. Standard light and simple electrical fittings throughout. Above Average – Homes of architectural standard with stone or laminated benchtops and European appliances in the kitchen. Bathrooms with superior taps, fittings and glass semi framed or frameless shower screens. Timber or quality aluminium windows. Walls, floors, ceilings and doors finished to a higher decorative standard. Designer style light fittings and electrical fittings throughout. Top of the Range – Highly refined or original architectural design with exceptional interior appointments including granite benchtops and the latest European appliances. Custom doors and decorative ceilings and cornices plus timber or designer aluminium windows. Top of the range bathroom fittings and glass frameless shower screens. Designer or bespoke light fittings and extensive electrical fittings throughout.
Select the sum insured that best represents the amount required to rebuild your home to the current standard taking into consideration current rebuild costs and new building requirements. For example if you are situated near bushfire flame zones or if your local council will require building upgrades. The following Cordell's calculator will provide further guidance if required or contact our office.
If your unsure of the replacement building value, we encourage you to spend 5 minutes with this Cordell's Building Sum Insured Calculator We suggest keeping the calculation sheet for your records.

Building Sum Insured Calculator

Security

Contents Sum Insured

Please use this link to an external contents sum insured calculator. This will walk you through room by room and give you an accurate indication of your true contents replacement value.

Contents Sum Insured Calculator
Many Listed Events and Defined event policies have low limits for individual items, we suggest noting any jewellery, artwork, sets or collections to ensure these are at least covered within the home to market replacement value. Please use box below to identify if you require cover away from the home either Australia Wide or World Wide. Note this items listed are in addition to the above elected sum insured.

Excess Options For Comparison

Please select up to 3 options for each Building and Contents

Existing Paperwork & Additional Information

Please use this optional but recommended file upload section if you wish to attached any helpful additional information like previous insurance schedules or claims information or photos of your property to assist pricing.
Click or drag a file to this area to upload.
Click or drag a file to this area to upload.
Click or drag a file to this area to upload.

Summary

By clicking SUBMIT button you are requesting MKW Insurance Brokers to prepare quotations and allow us to contact you in respect to the detail you have entered above.

Sydney Office

MKW Insurance Brokers

11 Thornleigh Avenue,
Concord, NSW, 2137

Postal Address:

MKW Insurance Brokers
P.O. Box 166,
Concord, NSW, 2137

Phone: (02) 9746 6273
Fax: (02) 9746 6255
Email: insurance@mkwib.com.au

Central Coast Office

MKW Insurance Brokers
P.O. Box A325,
Sydney South, NSW, 1235

Phone: (02) 4311 6175
Mobile: 0400 988 697
Email: insurance@mkwib.com.au

MKW Holdings Pty Ltd T/as MKW Insurance Brokers
ABN 53 617 495 495 which is a Corporate Authorised
Representative of Martin K Wiblin AFSL 238180

Sydney Office

MKW Insurance Brokers

11 Thornleigh Avenue,
Concord, NSW, 2137

Postal Address:

MKW Insurance Brokers
P.O. Box 166,
Concord, NSW, 2137

Phone: (02) 9746 6273
Fax: (02) 9746 6255
Email: insurance@mkwib.com.au

Central Coast Office

MKW Insurance Brokers

38 Manns Road,
Narara, NSW, 2250

Phone: (02) 4311 6175

Email: centralcoast@mkwib.com.au

MKW Holdings Pty Ltd T/as MKW Insurance Brokers
ABN 53 617 495 495      AFSL 502391