Home & Contents
No matter who or where you are, you want to make sure you, your family and your memories are safe and sound.
And if your property is being rented by someone else, we’ve got you covered too.
So, with Guild Home and Contents Insurance you can focus on what’s important while we take care of the bricks and mortar.
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Options for your Home and Contents Package
- Fire and explosion
- Note Excludes damage caused by bushfire or grassfire within 48 hours of the policy commencing, unless specific conditions are met.
- Flood
- Some exclusions apply, for example damage to retaining walls, paths, driveways, trees, shrubs or plants.
- Storm
- Some exclusions apply, for example damage to retaining walls, paths, driveways, trees, shrubs or plants.
- Accidental breakage
- Accidental breakage of fixed glass, mirrors, skylights, shower bases, basins, sinks, baths, spas, toilet bowls or cisterns. Refer to the PDS for exclusions.
- Earthquake
- Excludes loss or damage due to erosion, landslide or subsidence occurring more than 72 hours after the earthquake.
- Lightning
- Excludes damage caused by scorching, arcing or heat damage that happens without flames.
- Theft and burglary
- Excludes theft or burglary by any person who lives with you or by your tenants. Cover for theft by your tenants is an additional benefit under “Landlords cover”.
- Malicious damage
- Excludes acts by you, any person who lives with you or by your tenants. Cover for damage by your tenants is available under “Landlords cover”.
- Impacts
- Excludes impact by a tree lopped by you or on your behalf, or impact by an animal kept at your address.
- Escape of liquid
- Covers specific listed events only – refer to the PDS. Excludes the cost of repairing or replacing the item from which the liquid escaped.
- Removal of debris
- Additional benefit limited to 15% of the sum insured for your home. Excludes removal of fallen trees where no damage to your home has occurred.
- Alternative accommodation
- Emergency accommodation for up to 7 days or $2,000. Temporary accommodation for up to 12 months or 20% of the sum insured for your home.
To find out more or to get your hands on our policy wording, simply call us on 1800 810 213.
Insurance disclosure documents
To help with your decision with Home & Contents insurance you can read the Product Disclosure Statement (PDS), Key Fact Sheets (KFS) and Target Market Determinations (TMD).
Calculators
When taking out and renewing building insurance, or home and contents insurance, it's important that the amount accurately reflects the cost to rebuild your home or replace your contents. Use these links to help calculate the costs involved more accurately:
FAQs
Generally business insurance is to cover the physical assets of your business for material damage loss and options for theft cover. It can also include cover for financial loss due to business interruption. Usually basic insurance does not cover breach of duty or flood cover, but if you speak to an insurance specialist it can often be added to your policy for a nominal fee.
Professional indemnity insurance covers you for breaches in relation to your professional duty. Liability insurance covers you for activity that results in personal injury or property damage as a result of your business activities that do not relate to your specific profession. An example may be someone who trips and is injured from spilled water within your office may be covered under liability, because it is your duty of care as business person to provide a safe environment. Whereas a person who suffers a loss or injury because of your professional treatment in relation to your job has caused it would usually be consider as an indemnity breach.
Depending on the policy you are taking out, covers will often vary. At Guild insurance we specialise in making a policy to suit your business so that you are not over paying for covers you wouldn't normally need. The best thing to do is call 1800 810 213 to speak to an insurance specialist, they can find out what activities and structure your business is in to then provide you with adequate cover for you.
A certificate of currency (or COC for short) is a written document that confirms that your insurance policy is current and valid at a specific date and time. At Guild we provide easy access to your COC at any time within a few clicks of our online portal PolicyHub. If you are a new customer we can provide you with one post purchase.
Not just an insurance policy
Risk articles with RiskHQ
You can visit RiskHQ at any time to read up about the unique risks you face as a Home Owner. We cover a variety of risk management topics, from managing complaints, to social media risks, maintaining your business, and much more.
Are you prepared for a power outage?
Power outages are unfortunately becoming a somewhat common occurrence in parts of Australia. The threat of heatwaves, and therefore higher than usual demands on power, means that power outages are a real threat to many businesses over summer.
*Coverage up to $20 million requires your selection of cover up to this limit during the quote and purchase process.
