Home, Contents & Landlord
Personal lines placed by a broker — your home, your contents, and the rentals a call centre prices badly.
Home, contents and landlord cover placed by a broker rather than a call centre — including the rentals, unusual builds and situations a direct insurer prices poorly or declines on a tick-box. For owner-occupiers it's the building and belongings; for landlords it adds loss of rent and tenant damage.
What it typically covers
- Home building (rebuild cost)
- Contents & personal effects
- Storm, fire, flood & theft
- Accidental damage (add-on)
- Loss of rent (landlords)
- Tenant & malicious damage (landlords)
- Legal liability as owner or occupier
- Motor burnout & fusion
- Portable valuables away from home
- Temporary accommodation
Who it's for
Homeowners, renters insuring their contents, and residential landlords — especially where a direct insurer has declined the risk or loaded it heavily.
Claims examples
How the cover responds in real situations.
Hail smashes a home's roof and skylights.
How the cover responds: The building section covers the repair, and temporary accommodation covers the family if the home is unlivable while it's fixed.
A tenant trashes a rental and leaves owing rent.
How the cover responds: Landlord cover responds to the malicious damage and to the rent lost while the property is re-let.
A break-in clears out a family's electronics and jewellery.
How the cover responds: Contents replaces the items, with valuables covered up to their specified limits.
What to watch
The building sum insured at rebuild cost; contents valued honestly; landlord versus owner-occupier wording matching who lives there; and flood where the address needs it.
How Stonewell places it
We place it with insurers who'll take the risk a call centre won't, size the sums insured properly, and advocate for you at claim time.
Ready to sort your cover?
Tell us how you operate and we'll place it across our panel — or if something has already gone wrong, lodge a claim and we'll take it from there.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.