Dawson Insurance
Compare Home and Contents Insurance tweed heads
Finding the right home and contents insurance should not feel complicated. For homeowners in Tweed Heads and Burleigh Heads, we compare home insurance options to protect your home and belongings against weather, storms, theft, and everyday damage. Get honest advice, competitive pricing, and cover designed for NSW homes. Compare home & content quotes with confidence today.
Trusted By Aussies
Trusted by Australians for honest advice and dependable home and contents insurance.
24/7 Easy Claims
We provide 24/7 easy claims online you so repairs and replacements happen faster after the incident.
Safe & Secure
We work with trusted Australian insurers to keep your home and belongings protected against storms, theft, and everyday risks.
What is House and Contents Insurance?
House & content coverage protects your home and your belongings under one policy. A home insurance policy covers the physical structure of your house, including walls, roofs, fixtures, and built-in fittings that are part of the building. Buildings cover is a key part of a home insurance policy, providing protection for the main dwelling and additional structures on your property.
Contents cover protects the items inside your home, such as furniture, appliances, electronics, clothing, and personal belongings. These policies are designed to protect your personal belongings and may include optional extras. When combined, insurance home & contents offers broader protection than taking either cover on its own.
Building cover protects what is fixed in place, while home & belongings insurance focuses on what you own and use every day inside the home.With this cover homeowners are protected against common risks like fire, storms, and theft.
This cover helps for repairs or replacements, reduces financial stress, and fast recovery after damage. Insurance policies can be tailored to include different types of cover, and setting the correct buildings sum insured is important to avoid underinsurance.
We Offer These Type Of Home Insurance
Home Insurance
Home insurance policies provide cover for the physical structure of your house against fire, storms, flood damage, theft-related damage, and vandalism. It helps cover repair or rebuild costs and is also known as home building insurance or house insurance for property owners.
Contents Insurance
Contents insurance policies provide cover for belongings inside your home, including furniture, electronics, clothes, and appliances. It protects against risks like theft, fire, and accidental damage. Renters often choose house contents insurance or home contents insurance to protect what they own.
Combined Home and Contents Insurance
Combined home and contents insurance policies provide cover for both the building and your belongings in one policy. It offers better value, simpler management, and full protection, making it ideal for homeowners and families.
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If you’re unsure, call Dawson Insurance Services.
What Does Home and Contents Insurance Cover?
Home & Contents cover include personal valuables and mobile phones under contents cover. Optional extra premium cover is available for accidental loss & personal belongings, with protection against loss or damage. For full details, further details, and to understand all inclusions, exclusions apply and very limited exceptions may be listed.
Theft, Bulgary & Vandalism
Protection from theft, burglary and vandalism with new-for-old replacement included.
Natural Disaster Damage
Cover for natural disasters including storms, hail & any weather event, damage caused by a falling tree.
Fire or Water Damage
Cover for water, fire, smoke & bushfire damage, including water damage from a burst pipe.
Earthquake or tsunami
Earthquake and tsunami damage up to your sum insured, offering repair, replacement, or indemnity
Temporary Accomodation
If your home is unliveable, we cover temporary accommodation for you and even your pets.
New for Old Replacement
We repair or replace damaged or stolen items with new, similar-quality materials new for old.
Breakage of Glass & Sanitary
Accidental breakage of glass, ceramics, sanitary items. Broken glass & shower screens are specifically included in this coverage.
Legal & Liability Protection
Up to $20M cover for legal liability if someone is injured or property is damaged at home, including associated legal costs and legal costs up to the maximum amount.
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What's Not Covered by Home and Contents Insurance?
House and content insurance does not cover general wear and tear, aging items, or gradual damage. Things like rust, rot, corrosion, fading, or old appliances wearing out are excluded. Damage caused by poor maintenance, ignored issues, pests, or pre-existing problems is also not covered.
Damage from unlicensed building, or failed DIY projects is usually not covered. Items used for business, such as tools, stock, or office equipment, may not be included.
Some policies exclude flood damage unless selected as an extra, and river flooding is treated differently from stormwater. Damage caused by storm surge is typically not covered, and limited exceptions apply to certain types of claims, especially those related to natural disasters or specific coverage limitations.
Insurance also does not cover intentional damage, illegal or reckless behaviour, mechanical or electrical breakdown, or losses above your chosen sum insured. Dawson helps explain these exclusions clearly before you choose cover.Please note: government taxes may apply to your premiums and are not covered by the insurance policy.
Why Choose Us?
Why Choose Dawson For Home and Content Insurance?
Real Savings Without Cutting Cover
We compare home and contents insurance across trusted insurers to find the best value, balancing strong protection with competitive pricing for NSW homes.
Reliable Protection from Australian Insurers
Dawson works only with authorised Australian insurers, ensuring your home building insurance and contents insurance meet local standards and real claim conditions.
Structured Cover That Fits Your Home
From townhouses to family homes, we structure house and contents insurance based on your property type, location, and lifestyle, not generic packages.
Peace of Mind with Ongoing Support
We manage your policyso you can feel confident your home and contents insurance stays right. Any advice provided is general in nature and does not take into account.
Accidental Damage Protection with Home and Contents
Accidents can happen at any time, and accidental damage protection is designed to give you extra peace of mind. This optional cover helps you recover from unexpected mishaps like a spilled drink on your carpet, a broken window, or damage caused while moving furniture.
With accidental damage cover, you’re protected against a wide range of unintentional incidents that standard home insurance might not include. Whether you’re an owner-occupier or have an investment property, this type of cover can be valuable. For landlords, accidental damage protection can help cover loss or damage caused by tenants, to safeguard your rental income.
When choosing accidental damage cover, it’s important to make sure your sum insured accurately reflects the value of your home and contents. This ensures you’re not left out of pocket if you need to make a claim. Leading insurers like Allianz Australia Insurance offer flexible insurance options, so you can tailor your policy to suit your financial situation and lifestyle.
Accidental damage protection is just one of several optional covers you can add to your home and contents insurance policy. Other valuable extras include flood cover, which protects against damage caused by rising water, and temporary accommodation cover, which helps with living expenses if your home becomes uninhabitable after an insured event. Legal liability cover is also important, providing protection if someone is injured or their property is damaged at your insured address.
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Get Started with House and Contents Insurance Quote
Speak with a Dawson insurance expert today. We assess your home, contents, and local risks, compare home and contents insurance options, and help you choose the right cover with clear advice and free, no-obligation quotes.
How Much Does Home and Contents Insurance Cost in Australia?
The cost of home and contents insurance in Australia varies based on your home and what you insure inside it. Most households pay anywhere from a few hundred to a few thousand dollars per year, depending on home value, contents value, and risk level. Homes in higher-risk areas may cost more to insure.
Pricing is affected by your location, flood or bushfire risk, crime rates, building age, construction type, and the value of your home and contents. Higher cover levels, optional extras, and fewer security features can also increase premiums. Prices differ between insurance because each uses different risk models, flood maps, claims data, and discounts. That’s why it’s smart to compare home and contents insurance quotes to find the best value.
Optional add-ons like accidental damage, flood cover, portable valuables, or motor burnout can increase costs. Since every home is different, the best way to know your exact price is to request a personalised quote. For comprehensive information about costs, fees, and disclosures, make sure to consult the financial services guide provided by your insurance agent.
FAQs Your Questions Answered
You should insure your home for the full rebuild cost and your contents for their total replacement value. This ensures your home and belongings can be repaired or replaced without financial gaps after a claim.
Yes, some contents may be covered outside your home if your policy includes portable valuables cover. Items like laptops, phones, or jewellery usually need to be listed to stay protected away from home.
Flood cover may be included or optional depending on the policy you choose. Dawson helps you check flood definitions and add the right cover for flood-prone or coastal areas like Tweed Heads.
Your laptop may be covered if you have portable contents or valuables cover. Without this option, items lost outside the home are usually not included in standard contents insurance.
Your home value is based on rebuild cost, while contents value is the total cost to replace everything you own. Making a room-by-room list helps avoid underinsuring your home and contents.
Animal damage is usually not covered if it happens gradually or is preventable. Some sudden damage caused by unexpected animal entry may be covered depending on your policy terms.
Yes, carpets are usually covered under contents insurance if they are not permanently fixed. Built-in flooring may be covered under home insurance instead of contents.
Your renewal price can change due to claims history, rising rebuild costs, location risk, or insurer pricing updates. Changes to flood risk or building costs also affect premiums.
You should get home insurance as soon as you exchange contracts or take ownership of a property. This ensures your home is protected from day one against damage or loss.
Dawson Insurance Services can access a seamless emergency service to you 24 hours a day, 7 days a week, nation-wide for any assistance that may be required.