DOMESTIC INSURANCE BROKERS
Domestic Insurance
At AllCover Insurance Brokers, we protect not only businesses but what matters most in your personal life – your home, vehicle, income, and property investments. Our Personal Insurance offerings are comprehensive and customised, so you get peace of mind without overpaying.
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What Is Domestic Insurance?
Domestic insurance protects your everyday assets and lifestyle against unexpected events such as loss, damage, or liability. It helps manage the financial impact of incidents like fire, storm, theft, or accidents that could otherwise result in significant out-of-pocket costs. Common types of personal insurance include home and contents insurance, landlord insurance, private motor insurance, and cover for lifestyle assets such as caravans, motorbikes, boats, and other recreational vehicles.
What Domestic Insurance Covers
| Cover | What This Means |
| Home & Contents Insurance | Covering damage to your home building & permanent fixtures, plus loss or damage to your personal belongings from events like fire, theft, storms, vandalism. |
| Landlord Insurance | For investment property owners: covers the building, landlord’s contents, loss of rent, tenant damage, legal liability. |
| Car / Private Motor Insurance | Comprehensive, third‑party property damage, and third‑party fire & theft options; including specialised policies for prestige or classic cars. |
| Lifestyle & Specialty Property |
Coverage for caravans, motor homes, marine pleasure craft, motorbikes, trailers, holiday homes, etc. |
Why We Include Domestic Insurance in Our Offering
- Serve you more fully: combine business + personal cover under one broker—easier management, fewer providers.
- Professional claims assistance and advocacy. You are not alone at claim time!
- Apply our risk‑assessment skills: helping you avoid underinsurance in your home, vehicle, or other assets and help reduce or avoid claims altogther!
- Provide education: many people don’t realise how things like sum insured, excess, geography (storm, flood risk), or vehicle usage affect cost, until they look closely.
What You Need to Know
What to look out for:
Sum Insured / Replacement Cost: Ensures you’re covered for rebuilding or replacing at current costs. Underestimating can leave big gaps.
Excess & Deductibles: Higher excess = lower premium but more out‑of‑pocket when claiming. Find the balance.
Optional Extras: Accidental damage, flood, earthquake, tenant default (for landlords), roadside assistance, agreed value for prestige cars etc.
Geographical / Natural Risk Exposure: If you’re in flood or bushfire zones this heavily influences both cover and price.
Vehicle Use & Specifications: Usage type (commute, business use, weekend use), modifications, age, classic/prestige status all affect premium.
Claims History and Condition: Past claims, condition of your property/vehicle, safety features can reduce risk and affect price.
Balancing Domestic & Business Cover
While your business insurance protects your income, equipment, liability etc., your domestic insurance protects your home, family, personal assets and lifestyle.
AllCover helps you manage both:
– Coordinate renewal dates to reduce admin hassles.
– One central point of contact instead of policies everywhere. Just call us!
– Make sure personal exposures (vehicle, property) don’t inadvertently affect business risk – and vice versa.
Real World Scenarios
- A homeowner whose storm damages roofing and windows—home building & storm cover helps repair quickly.
- A landlord discovers malicious damage by a tenant and loss of rental income while the property is repaired.
- A car owner in a flood‑prone area opts to add flood cover and agreed value, avoiding large underinsurance issues.
- A caravan owner with marine assault cover for pleasure craft—damage while in transit and moored included.
How Much Does It Cost?
Premiums in domestic insurance depend on:
– Location (flood, storm, crime zones)
– Sum insured vs market / replacement cost
– Age, condition, safety features (alarms, locks, etc.)
– Vehicle usage, make/model, prestige status or modifications
– Optional covers and your choice of excess
With AllCover, we’ll show you what each option costs, what trade‑offs there are, so you decide what’s essential vs what’s optional.
Talk to us about your Domestic Insurance needs!
Protect your home, investment property, vehicles and lifestyle with insurance that’s built around you—not off the shelf.
Call 1300 362 140 or request a quote today. Our brokers will listen and cut through the market clutter to help you secure the peace of mind you deserve.
General Advice Warning
We operate under a General Advice Model for Retail Products. Any advice given is general in nature and may not take into account your personal objectives, financial situation and/or needs. Please read the relevant Product Disclosure Statement (if applicable) before acquiring any product offered or quoted.