Home and contents insurance in Geelong and Werribee

Home is where the heart is, and Roderick Insurance Brokers help our customers protect the things closest to their heart. Our home and contents insurance offers a highly personal cover for ultimate peace of mind.

We can tailor home insurance to suit specific needs. We ask our customers:

Are you after a cheaper premium and a basic insurance that covers the major perils? OR Do you require broader protection, covering your home for accidental damage and your contents Australia-wide for full loss or damage?

Each insurance company has a unique policy coverage and as a broker we can help you arrange a policy that best suits your individual needs.

We also offer prestige home insurance. Please contact our Geelong insurance broker team for more information, or request an online home contents insurance quote.

There are generally two types of policies:

Accidental damage insurance

We recommend accidental damage insurance because it can provide cover for accidental loss of or damage to your contents while they are at home and also when they are away from the home anywhere in Australia. The cover provided for your buildings is also broader.

Listed events or defined events insurance

Alternatively there is a cheaper option available called a listed events or defined events policy. This policy will only cover the listed events in the policy. Example events covered include:

• fire
• theft
• storm or rainwater
• malicious acts
• breakage of glass
• fusion
• impact
• earthquake
• water damage
• valuables.

What are valuable items?

Valuables are usually things like:

• jewellery and watches
• items containing gold and silver
• collections of stamps, money or medals.

Insurance companies often put item limits on “valuable items”, usually $5,000 or $10,000 depending on the type of policy you choose. To have items valued over the limit covered for their full value you must specify them in the policy.

Household removal insurance

Moving house? Protect your belongings whilst they are being moved to your new home.

Home removal insurance has been designed to cover your household goods and personal effects while in transit and also while in storage – providing protection for your precious goods and personal effects.

This policy is suitable for families or individuals moving within Australia or overseas.

Features

Benefits include an optional excess, all risks cover, and most importantly new for old replacement for all items regardless of age.

• Cover can be extended to insure goods and personal effects in storage at a carrier’s premises for periods nominated by you.
• Cover may be extended to include motor vehicles, motor cycles and caravans.

If you would like to request a quote, please complete our home and contents insurance quote form.

Please note: the above information does not take into account what you currently have, want and need for your personal circumstances. It is important for you to consider these matters and read the Product Disclosure Statement (PDS) before you make a decision about your home insurance.