Buildings & Rebuild Cost
Cover assessed on what it would actually cost to rebuild your home — walls, roof, foundations, fitted kitchens and bathrooms.
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House & Contents Cover
Cover drawn to the last brick of your home.
HomeSafe Cover is straight-talking home insurance: policies built on your home's true rebuild cost, claims handled by one named person, and plain-English documents you can actually read.
- Rebuild-cost assessed cover, not guesswork
- One named claim handler, start to finish
- No obligation — compare your quote in minutes
Sample rate — 3-bed home
from $32/mo
Illustrative example only. Your price depends on your property, location and cover choices.
4.7/5average customer rating
1 handlernamed contact per claim
24/7claims line, every day
A-ratedunderwriting partners
Plan of Coverage
What's covered, room by room
Think of your policy like a floor plan — every part of your home and the life inside it has its own clearly drawn cover. Limits, excesses and exclusions apply; full details are set out before you buy.
Contents & Belongings
Furniture, appliances, clothing and electronics covered at home, with optional cover for items you carry out and about.
Escape of Water
Burst pipes and leaking appliances — including trace-and-access costs to find the source of a hidden leak.
Fire & Smoke Damage
Structural fire damage plus smoke damage to decor and contents, with professional restoration where possible.
Storm & Weather
Storm, wind and hail damage to your roof, guttering, fences within policy limits, and resulting internal damage.
Theft & Vandalism
Break-ins and malicious damage, including lock replacement when keys are stolen and boarding-up costs.
Alternative Accommodation
If a covered claim makes your home unliveable, we help pay for somewhere comparable to stay while repairs happen.
Liability Protection
Cover if a visitor is injured at your property or you accidentally damage a neighbour's home, up to policy limits.
Optional Extras
Accidental damage, home emergency call-outs and legal expenses can be added when you build your quote.
Elevation B — homes we help protect
Claims, Simplified
Three steps. One person. No runaround.
01
Call or claim online, day or night
The claims line runs 24/7. Tell us once what happened — you won't have to repeat it.
02
Meet your named handler
One person owns your claim and gives you their direct line, so updates come from a familiar voice.
03
Repair, replace or settle
Vetted trades for repairs, or a cash settlement where the policy allows — whichever gets you home faster.
See your price on our secure partner site
A few details about your home and you'll have a personalised quote — no obligation, no effect on your credit score, no pushy follow-up calls.
The HomeSafe Difference
A policy that knows what your home is worth to rebuild
- Rebuild-cost assessment. Cover is calculated on reconstruction cost, so you're less likely to be under- or over-insured.
- Named claim handler. A single point of contact who knows your file, from first notification to final payment.
- Plain-English documents. What's covered, what's not, and every excess — laid out before you pay a penny.
Common Questions
Asked before you ask
Market value is what your home would sell for; rebuild cost is what it would take to reconstruct it from the ground up, including materials and labour. HomeSafe Cover policies are assessed on rebuild cost, so you are not paying to insure the value of your land.
Ready to put your home on solid ground?
Get a personalised house and contents quote in minutes, or talk it through with a real person on the phone. No obligation either way.