Contents insurance FAQ's

How do I add contents insurance to my policy?

Whether you’re adding house, landlord, or holiday home contents to your insurance policy, the process is straightforward. You can add contents cover when getting your insurance quote by simply toggling it on in the quick quote… Learn more

Understanding the differences between contents cover options

Contents cover with initio protects the things you own inside your property, but what’s included (and how it’s covered) depends on the type of policy you have. Whether it’s your own home, a rental, or a holiday… Learn more

Are there limits to how much I can claim for my contents?

Yes,  while your contents insurance covers most of your belongings up to the sum insured shown in your policy schedule, there are some limits that apply to certain types of items and situations. Knowing these limits can help you decide if you need to… Learn more

What contents items are automatically covered under your insurance policy?

You know some items need to be specified, but what about everything else that might already be covered? We’ve put together a list of common “am I covered?” questions our customers often ask. It’s not a full list, so it’s always best to check… Learn more

What's covered under house contents insurance?

House contents insurance is designed to protect the things inside your home – the personal belongings that make it yours. Initio’s house insurance includes the option to cover your contents, so your personal belongings are protected for repair or replacement if something happens, typically… Learn more

Do I have contents cover? Can I add or change it?

Your contents cover depends on the type of insurance you have with initio. Some policies include it automatically, while others give you the option to add it. If you’re unsure about your current cover, you can check your initio dashboard. Own home insurance (owner-occupied home) You… Learn more

Demystifying Insurance Excess

Picking the right insurance excess can be tricky. Excess is the money you pay when something goes wrong, like a broken window or water leak. Let’s make it simple. High or low excess? If you pick a high excess, you pay less money every year… Learn more

Moving House?

Insurance made simple when you change homes Congratulations! You’ve found your new dream home and the day has come for the big move to your new property. But what if something falls off the back of the truck during the move? Does your… Learn more

What contents items do I need to specify? How do I add specified items?

When you insure your belongings, you pick a total amount of cover for everything. But, some items still have a sub-limit on how much they’re covered for.  For the items in the table below, if you think something is worth more than this limit, you can add it as a… Learn more

What contents are covered for market value?

Our comprehensive personal contents protection under our Own Home policy is generally based on new-for-old cover. There are however a few items that are covered for their current value, where your payout will be based on the item’s present (or market) value.  These are listed below. Please note that… Learn more

Are lawnmowers covered under contents insurance?

Lawn mowers (and other domestic garden appliances like a hedge trimmer) are covered as standard under our contents insurance. Lawn mowers do not need to be listed as specified item to be covered. This also includes ride-on lawnmowers (as long as they are used personally at your house). If… Learn more

Is my personal medical equipment that I keep at home covered?

There’s replacement cover for most medical assistance equipment you own and keep at your residence under our Own Home Contents cover (owner-occupied policy). This includes hearing aids, insulin pumps, spectacles, dentures, and mobility aids such as wheelchairs and walkers. These items are automatically covered under your main contents sum insured… Learn more