{"id":1187,"date":"2026-04-25T06:55:03","date_gmt":"2026-04-25T06:55:03","guid":{"rendered":"https:\/\/fundagroup.co.nz\/blog\/?p=1187"},"modified":"2026-04-25T09:10:27","modified_gmt":"2026-04-25T09:10:27","slug":"home-and-contents-insurance-at-a-glance","status":"publish","type":"post","link":"https:\/\/fundagroup.co.nz\/blog\/home-and-contents-insurance-at-a-glance\/","title":{"rendered":"Home and contents insurance at a glance"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Home insurance can protect you from financial risk if your home is damaged or destroyed, and can also cover your home\u2019s contents if they are damaged, lost or stolen.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Who should consider it?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If your home and its contents were damaged or destroyed in a natural disaster or accident, or all your valuables were stolen, could you afford to replace them?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If not, home and contents insurance can help. Home &amp; contents insurance can even protect you against legal liability if someone is injured or killed on your property.<\/p>\n\n\n\n<div class=\"best-ins-area gray-bg pt-70 pb-80\" style=\"background:#e6e6e6; padding:70px 0 80px 0; font-family:Arial, sans-serif;\">\n    \n    <div class=\"container\" style=\"width:95%; margin:0 auto;\">\n        \n        <h3 style=\"font-size:28px; font-weight:700; margin-bottom:30px; color:#222;\">\n            Did you know?\n        <\/h3>\n        \n        <div class=\"row\" style=\"display:flex; gap:20px; flex-wrap:nowrap; align-items:stretch;\">\n            \n            <!-- Card 1 -->\n            <div class=\"col-sm-4\" style=\"width:33.33%; display:flex;\">\n                <div class=\"card\" style=\"border:3px solid #7fbf3f; padding:25px; background:#fff; width:100%; height:100%; display:flex; flex-direction:column;\">\n                    \n                    <h3 style=\"font-size:28px; font-weight:700; margin-bottom:15px; color:#222;\">$<\/h3>\n                    \n                    <p style=\"font-size:15px; color:#555; line-height:1.6; text-align:justify; flex-grow:1;\">\n                        916,353,639 was paid out in claims for domestic buildings and contents in 2018.\n                    <\/p>\n                    \n                <\/div>\n            <\/div>\n            \n            <!-- Card 2 -->\n            <div class=\"col-sm-4\" style=\"width:33.33%; display:flex;\">\n                <div class=\"card\" style=\"border:3px solid #7fbf3f; padding:25px; background:#fff; width:100%; height:100%; display:flex; flex-direction:column;\">\n                    \n                    <h3 style=\"font-size:28px; font-weight:700; margin-bottom:15px; color:#222;\">1,500<\/h3>\n                    \n                    <p style=\"font-size:15px; color:#555; line-height:1.6; text-align:justify; flex-grow:1;\">\n                        Flexible hoses bursting on washing machines, dishwashers, and other household appliances could mean 1,500 litres running through a house in an hour.\n                    <\/p>\n                    \n                <\/div>\n            <\/div>\n            \n            <!-- Card 3 -->\n            <div class=\"col-sm-4\" style=\"width:33.33%; display:flex;\">\n                <div class=\"card\" style=\"border:3px solid #7fbf3f; padding:25px; background:#fff; width:100%; height:100%; display:flex; flex-direction:column;\">\n                    \n                    <h3 style=\"font-size:28px; font-weight:700; margin-bottom:15px; color:#222;\">43,127<\/h3>\n                    \n                    <p style=\"font-size:15px; color:#555; line-height:1.6; text-align:justify; flex-grow:1;\">\n                        The number of burglaries on residential property across NZ in the year to July 2020.\n                    <\/p>\n                    \n                <\/div>\n            <\/div>\n            \n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">What can it cover?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Home and contents insurance can provide extensive protection if your home suffers loss or damage, with a number of additional benefits included automatically. You have a choice of options, with different levels of cover and inclusions available.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The exact cover you receive depends on the policy you take out. However, to give you an idea, here are some of the benefits a home and contents insurance policy may include:<\/p>\n\n\n\n<style>\n\/* Dark header block *\/\n.table thead th {\n    background-color: #22282d; \/* dark color *\/\n    color: #fff;\n    font-weight: 600;\n    font-size: 16px;\n    padding: 15px;\n    border: 1px solid #22282d;\n}\n\n\/* Make full header row look like one block *\/\n.table thead tr {\n    background-color: #22282d;\n}\n\n\/* Optional: body styling *\/\n.table td {\n    padding: 15px;\n    font-size: 15px;\n    color: #555;\n    vertical-align: top;\n}\n<\/style>\n<div class=\"col-xl-12 col-lg-12\">\n                <div class=\"project-desc mb-25\">\n                    <table class=\"table table-bordered table-responsive\">\n                        <thead class=\"thead-dark\">\n                            <tr>\n                                <th>Potential benefits<\/th>\n                                <th><\/th>\n                            <\/tr>\n                        <\/thead>\n                        <tbody>\n                            <tr>\n                                <td>Covering your home for physical loss or damage during the period of insurance.<\/td>\n                                <td>Coverage for alternative accommodation when you are denied access to your home following an emergency in your area.<\/td>\n                            <\/tr>\n                            <tr>\n                                <td>Damage caused by natural disasters including earthquakes, landslips, volcanic eruptions, hydrothermal activities, tsunamis, and bushfires.<\/td>\n                                <td>Cover for the cost of replacing keys or locks that provide access to the house following theft, loss, or unauthorized duplication of your keys.<\/td>\n                            <\/tr>\n                            <tr>\n                                <td>If your home is uninhabitable following a loss, the policy will pay a reasonable cost for alternative accommodation.<\/td>\n                                <td>Cover for your garden to repair lawns, trees, shrubs, hedges, and plants following a claim to your home.<\/td>\n                            <\/tr>\n                            <tr>\n                                <td>Cover for gradual deterioration caused by water leaking from an internal source.<\/td>\n                                <td>If a tree causes damage to your home, there is coverage to remove the fallen tree.<\/td>\n                            <\/tr>\n                            <tr>\n                                <td>Liability cover for injury or loss of life to a third party, or loss of a third party\u2019s property on a building you occupy or own.<\/td>\n                                <td>Access to approved repairers, but you are also welcome to choose your own.<\/td>\n                            <\/tr>\n                        <\/tbody>\n                    <\/table>\n                <\/div>\n            <\/div>\n\n\n\n<style>\n\/* Section Background *\/\n.best-ins-area {\n    background: #f7f7f7;\n    padding-top: 70px;\n    padding-bottom: 80px;\n}\n\n\/* Text Box *\/\n.best-ins-text {\n    padding: 20px 30px;\n}\n\n\/* Headings *\/\n.best-ins-text h3 {\n    font-size: 28px;\n    font-weight: 600;\n    color: #333;\n    margin-bottom: 20px;\n}\n\n\/* Paragraph *\/\n.best-ins-text p {\n    font-size: 16px;\n    color: #666;\n    line-height: 1.7;\n    margin-bottom: 15px;\n    text-align: justify;\n}\n\n\/* List *\/\n.best-ins-text ul {\n    padding-left: 20px;\n    margin-bottom: 20px;\n}\n\n.best-ins-text ul li {\n    font-size: 16px;\n    color: #666;\n    margin-bottom: 10px;\n}\n\n\/* Bullet color *\/\n.best-ins-text ul li::marker {\n    color: #4CAF50;\n}\n\n\/* Link *\/\n.best-ins-text a {\n    color: #007bff;\n    text-decoration: none;\n}\n\n.best-ins-text a:hover {\n    text-decoration: underline;\n}\n\n\/* Responsive *\/\n@media (max-width: 991px) {\n    .best-ins-text {\n        padding: 15px;\n    }\n\n    .best-ins-text h3 {\n        font-size: 24px;\n    }\n}\n<\/style>\n\n<div class=\"best-ins-area\">\n    <div class=\"container\">\n        <div class=\"row\">\n            \n            <div class=\"col-xl-6 col-lg-6\">\n                <div class=\"best-ins-text prof-content clearfix mb-40\">\n                    <h3>What usually isn&#8217;t covered?<\/h3>\n                    <p>Each policy is different, but generally, you won\u2019t be covered:<\/p>\n                    \n                    <ul class=\"line_height\">\n                        <li>If your home is unoccupied for more than 60 continuous days.<\/li>\n                        <li>For rust, corrosion, gradual deterioration, depreciation, or wear and tear.<\/li>\n                        <li>For damage caused by rats, mice, or insects.<\/li>\n                    <\/ul>\n\n                    <p>\n                        There are other exclusions that your \n                        <a href=\"https:\/\/web.archive.org\/web\/20250223211749\/https:\/\/www.steadfastnz.nz\/\" target=\"_blank\">\n                            Steadfast\n                        <\/a> \n                        insurance broker can outline for you. In addition, there is a deductible (or excess), and limits of liability (or sum insured).\n                    <\/p>\n                <\/div>\n            <\/div>\n\n            <div class=\"col-xl-6 col-lg-6\">\n                <div class=\"best-ins-text prof-content clearfix mb-40\">\n                    <h3>Case Study<\/h3>\n                    <p>\n                        During the 2017 Edgecombe floods, Michael\u2019s family home and all its contents were severely damaged by floodwaters. Fortunately, Michael had taken out home and contents insurance. His insurance policy covered flood damage, so it covered the costs of repairing the damage that floodwaters had done to the walls and floors of his home. It also covered the cost of replacing his furniture and white goods. And, because he and his two children had to move out while his home was being repaired, his policy took care of the costs of living in rental accommodation during this time.\n                    <\/p>\n                <\/div>\n            <\/div>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Home insurance can protect you from financial risk if your home is damaged or destroyed, and can also cover your home\u2019s contents if they are damaged, lost or stolen. Who should consider it? If your home and its contents were damaged or destroyed in a natural disaster or accident, or all your valuables were stolen, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1190,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,4],"tags":[],"class_list":["post-1187","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-services"],"_links":{"self":[{"href":"https:\/\/fundagroup.co.nz\/blog\/wp-json\/wp\/v2\/posts\/1187","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fundagroup.co.nz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fundagroup.co.nz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fundagroup.co.nz\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fundagroup.co.nz\/blog\/wp-json\/wp\/v2\/comments?post=1187"}],"version-history":[{"count":23,"href":"https:\/\/fundagroup.co.nz\/blog\/wp-json\/wp\/v2\/posts\/1187\/revisions"}],"predecessor-version":[{"id":1249,"href":"https:\/\/fundagroup.co.nz\/blog\/wp-json\/wp\/v2\/posts\/1187\/revisions\/1249"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fundagroup.co.nz\/blog\/wp-json\/wp\/v2\/media\/1190"}],"wp:attachment":[{"href":"https:\/\/fundagroup.co.nz\/blog\/wp-json\/wp\/v2\/media?parent=1187"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fundagroup.co.nz\/blog\/wp-json\/wp\/v2\/categories?post=1187"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fundagroup.co.nz\/blog\/wp-json\/wp\/v2\/tags?post=1187"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}