Contents and building are not the same
Household cover generally concerns movable contents; building insurance concerns the structure and fixed components. Tenants, owners and landlords therefore begin with different responsibilities.
Home & household
Protection for the place and possessions that matter.
Despite the legacy page name, AWAG’s existing material here explains household cover: damage from burglary, fire, storm, water and other insured events. A careful review of limits and valuables remains essential
Based on AWAG’s existing service information.
Overview
01Household contents
02Property risks
03Coverage limits
The insured sum should reflect reality
Furniture, electronics, clothing, tools and valuable items add up quickly. Valuation rules, limits for valuables and underinsurance provisions should be understood before a loss.
Liability may be part of the household picture
Private liability is often connected with household arrangements, but its scope, insured people and territorial reach depend on the contract. It deserves a separate check.
Prevention supports the policy
Working locks, maintenance, water shut-off knowledge, smoke detection and records of valuable items can reduce damage and make a later claim easier to document.
The legacy URL is retained for continuity, but this page concerns household and home-related protection. Exact cover depends on the selected policy.
Protection for home, contents and responsibility
The review separates what belongs to the building, what belongs to the household and where personal liability begins.
Home and contents
Identify occupancy, size, use, belongings, valuable items, storage and relevant natural or technical hazards.
Limits and settlement
Understand insured sums, sublimits, deductibles, valuation method and duties after a loss.
Private responsibility
Check who is insured, which liability situations apply and where protection is valid.
A household review grounded in real values
A clear inventory and responsibility map makes the policy easier to understand and maintain.
Describe the household
Record residence, occupancy, contents, valuables, security, existing cover and responsible parties.
Test likely events
Consider fire, water, storm, burglary, glass, liability and temporary uninhabitability.
Agree and keep current
Compare limits and conditions, document valuables and review after moving or major purchases.
Good to know
01What is usually considered household contents?
Movable possessions used in the home may fall within the defined contents, subject to policy wording, limits and exclusions.
02Are jewellery and cash fully covered?
Often only up to specific limits and sometimes only when storage requirements are met. High-value items should be declared and documented where required.
03Does household insurance cover the building?
Not generally in the same way. The building structure usually requires separate cover arranged by the owner or responsible party.
04What evidence helps after a loss?
Photographs, receipts, valuations, serial numbers, police reports where relevant and prompt documentation of the damage can support assessment.
The next move starts with a conversation
Tell us what you are working through. We will connect you with the right part of AWAG.