Overview
Protect your house, contents, and belongings against fire, theft, storms, floods, and accidental damage — so a single bad day doesn't undo years of building a home.
Why this cover
For most people, a home is the single largest asset they own. Home insurance means a fire, burst pipe, break-in, or storm doesn't leave you paying to rebuild your life from scratch.
Cover options
Building Cover
Protects the structure itself — walls, roof, and fittings — against fire, storm, and other insured perils.
Contents Cover
Protects furniture, electronics, and personal belongings inside the home against theft and damage.
All Risks Extension
Optional cover for valuables like laptops and jewellery, wherever they travel with you.
Key benefits
Rebuild cost covered
Repair or rebuild your home after fire, storm, or flood damage without draining your savings.
Contents protected
Furniture, electronics, and personal items covered against theft and accidental damage.
Available to owners and tenants
Cover can be arranged whether you own the property or rent it.
Flexible sums insured
Choose cover levels that match the true rebuild cost of your home and belongings.
Fast repairs
Get back to normal quickly with a straightforward claims process.
Optional add-ons
Tailor your policy with extra layers of protection for a small additional premium.
Burglary Extension
Additional cover for forced-entry theft beyond standard contents cover.
All Risks
Covers portable valuables like laptops and jewellery wherever they travel with you.
Domestic Employees Cover
Covers your liability for injury to domestic staff working at your home.
What's not covered
Wear and tear
Land value
Damage from poor maintenance
Unoccupied property beyond the policy limit
War and nuclear risks
Who it's for
Common terms
The rebuild or replacement value your policy is based on — not the market price of the land.
An insured event, like fire or flood, that your policy protects against.
Why Get Home Cover Through Cush?
We compare options across trusted underwriters, explain exactly what's covered, and stay with you from your first quote through to claim settlement.
