Home Insurance Claims Guide

After home damage or theft, documentation and prompt communication can be important.

Overview

Photographs, receipts and relevant reports can help establish what happened and what was affected. Follow the insurer's claim instructions.

What should you check?

• Read the policy definitions, limits and exclusions.
• Check the excess and any waiting or notification requirements.
• Understand what evidence may be required for a claim.
• Compare equivalent levels of cover rather than comparing price alone.

Why policy wording matters

Insurance is a contract and the precise terms determine when a claim can be accepted. Marketing summaries can be useful for orientation, but the policy documents should be treated as the authoritative source for the coverage you are considering.

Common questions