Household Contents

Household Contents

Covers you and your family’s personal contents at home and while you’re out and about. You can also add cover for your lifestyle block contents. 

What we cover

The FMG Household Contents policy automatically includes these covers and benefits. 

Covers your contents if they are damaged or destroyed by a sudden, unintended and unforeseen event, or if they’re stolen.  

Up to $1,000,000 cover for your legal liability if you accidentally damage someone else’s property, or injure someone. 

If all your contents are destroyed we’ll make a $5,000 advance payment within 48 hours of accepting your claim. Please note we will deduct this advance from the settlement of your claim.

If your freezer or fridge breaks down, is accidentally turned off, or if there’s a power cut, we’ll cover the loss of frozen or perishable food up to a maximum of $3000. 

We’ll pay up to $5,000 for gradual damage to your contents. This is hidden damage that happens over time and is caused by a leaking internal waste or water pipe installed at your home and at the point that pipe connects to a household appliance. 

You’re insured for accidental loss to a set of hearing aids, prescription glasses and dentures.  A maximum limit of $5,000 applies to these items so remember to specify them if they’re worth more.

If your keys are lost or stolen we’ll pay to replace them and you won’t need to pay an excess. This also covers devices you use to enter your property like electronic access cards and remote door openers.

If you’re on holiday in Australia your personal effects, cellphones, hearing aids, glasses and sports equipment are insured for accidental loss while you’re there and when you’re in transit. Cover is for up to 30 days from the time you leave New Zealand.  

Cover up to $5,000 towards the cost of refilling your fire fighting equipment after it’s been used to protect your contents from loss covered by this policy.

Up to $30,000 cover for temporary accommodation costs if your home is damaged and can't be lived in. This includes the cost of moving contents, storage costs, and even boarding for your cats or dogs.

If an item is part of a pair or set, like chairs or couches, and a matching replacement can’t be found then this covers replacement of the entire set. 

Optional extras

You can purchase this Optional Benefit for even more comprehensive insurance.

Cover up to $5,000 for accidental loss to your lifestyle block contents. This includes machinery and equipment, and stores and harvested product that you use mainly for your lifestyle block operations.

What we pay

You can choose from two levels of cover - Nominated Replacement or Present Day Value.  

Repair or replacement of your contents to the same condition they were in just before the loss, think of it as similar to a second hand value. 

Examples of items covered for Present Day Value:

  • Clothing
  • Toiletries
  • Footwear
  • Food
  • Books
  • Linen

Repair or replacement of your contents to the same condition as when they were brand new.
These items are covered for replacement:

  • Furniture
  • Furnishings
  • Home appliances
  • Valuable items
  • Home computers and cellphones that are less than three years old, up to $5,000
  • Other items noted on your insurance certificate as Nominated Replacement

Other contents not listed are covered for Present Day Value.

This cover offers Full Replacement up to the SQM shown on the certificate, except in the case of Natural Disaster, where the cover is capped at the sum insured shown on the certificate.

Download policy

Please note this is only a summary of the product and is subject to our specific product documentation. For full details please download the policy wordings using the links below, or you can get a free copy by calling us on 0800 366 466.


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