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Home & Contents Insurance

Protect your home while you're building your business

Fire, flood, theft, storm damage, your home is your biggest personal asset. While you’re focused on growing your business, Home & Contents Insurance protects the place you come home to every night.

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What could go wrong

(and why you need this)

Your home is your biggest personal asset and your foundation while you’re building your business. Fire, flood, theft, storm damage, one major event can destroy everything you own and leave you homeless with a mortgage you still need to pay. Most founders are so focused on business risks that they forget to protect the place they call home.

Scenario 1

The house fire

A bushfire approaches your property. Despite firefighting efforts, your home is destroyed.

Rebuild cost: $750,000* . All contents lost: $150,000* . Temporary accommodation for 18 months while rebuilding: $54,000* . Your mortgage still needs paying. Without insurance, you’re financially ruined.

What Home & Contents covers

Full rebuild cost of your home, replacement of all contents, temporary accommodation while rebuilding, removal of debris, and additional living costs.

Scenario 2

The burst pipe disaster

You’re away for a long weekend. A pipe bursts in your roof. By the time you return, water has flooded through ceilings, walls, carpets, and furniture.

Damage: $85,000*  to repair the home, $35,000*  in destroyed contents. Lost income from taking time off work to manage repairs: $8,000* .

What Home & Contents covers

All water damage repairs to building and contents, emergency accommodation if the home is uninhabitable, and costs to dry out and remediate.

Scenario 3

The break-in

Burglars smash your back door and ransack your home.

Stolen: TV ($3,000* ), laptops ($4,500* ), jewellery ($12,000* ), and your children’s gaming equipment ($2,000* ). Damage to door and windows: $3,500* . A police report was filed, but nothing was recovered. Total loss: $25,000* .

What Home & Contents covers

All stolen items at replacement value, damage from break-in, upgraded security if required by insurer, temporary door/window repairs for immediate security.

Scenario 4

The storm damage

A severe hailstorm batters your home.

Roof damaged: $18,000*  to repair. Skylights smashed: $6,000* . Gutters destroyed: $4,000* . Car damaged in driveway: $8,000*  (separate claim on car insurance). You can’t work from home during repairs, resulting in lost productivity and additional costs.

What Home & Contents covers

All building repairs, temporary repairs to make the property secure, emergency accommodation if needed, and alternative workspace costs if you normally work from home.

What this actually covers

Home & Contents Insurance

Home & Contents Insurance protects your home and everything in it:

Building cover:

  • Structure (walls, roof, floors, foundations)
  • Permanent fixtures (kitchen cupboards, built-in wardrobes)
  • Bathroom and plumbing fixtures
  • Garages, sheds, and outbuildings
  • Fences, gates, and driveways
  • In-ground pools and spas
  • Solar panels and fixed appliances

Contents cover:

  • Furniture and furnishings
  • Electronics (TVs, computers, tablets, phones)
  • Clothing and personal items
  • Appliances (not fixed)
  • Jewellery and valuables (limited unless specified)
  • Sports equipment
  • Children’s toys and belongings
  • Home office equipment (within limits)

Standard inclusions:

  • Fire, explosion, and lightning
  • Storm and flood damage
  • Theft and burglary
  • Vandalism and malicious damage
  • Water damage from burst pipes
  • Accidental breakage (glass, mirrors, fixed items)
  • Impact damage (vehicles, falling trees)

Optional extras

  • Accidental damage to contents
  • Home office equipment extension (for founders working from home)
  • Portable items away from home (laptops, bikes)
  • High-value items separately specified (jewellery, art, collections)
  • Legal liability (if someone is injured at your home)
  • Rent default (for landlords)

What's typically not covered

  • Wear and tear or gradual deterioration
  • Poor maintenance
  • Pest damage (termites, rodents)
  • Business stock or commercial equipment (need separate business insurance)
  • Intentional damage
  • Pre-existing damage

When you need this

By founder stage

Protecting your personal foundation

You need this if you:

  • Own your home (mortgage lender requires building insurance)
  • Rent (contents insurance protects your belongings)
  • Work from home as a founder (your sanctuary and your workspace)
  • Have family or dependents
  • Couldn’t afford to replace everything from savings

Owner-occupiers:
Need both building and contents insurance.

Renters:
I need contents insurance only (the landlord insures the building).

Typical coverage

Building sum insured at full replacement cost (not market value), contents $50k-$150k depending on what you own.

For founders working from home

Additional considerations:

  • Standard home contents limits business equipment to $5k-$10k
  • If you have expensive business equipment at home, add a business equipment extension
  • Or get separate Business & Office Insurance
  • Never claim business losses on home insurance; it may void your policy. 

Stay on top of your cover

Keep in touch with the team at Pocket to ensure your coverage is fit for purpose.

Common questions

Founders actually ask

Do I need building insurance if I have a mortgage?

Yes, your lender requires it. The building is their security for the loan. Without insurance, you’re breaching your mortgage terms. If the house burns down, you still owe the full loan with no assets.