If you are renting out a property then you’ll need to have Home Insurance. Protecting your home and assets is vital to ensure all your hard work is not lost in the event of the unexpected.

Check your rental agreement as you may be required to take insurance for the building as well. If your landlord is responsible for the building, you can still purchase a tailored plan from Goldstar to cover your personal belongings.

• Protection against loss, damage and more.

Loss or damage to buildings

• Caused by events such as fire, theft and flooding
• Cover includes garages, any domestic outbuildings, fences, walls or gates
• We’ll also cover swimming pools, ponds and fountains, hard courts, terraces, and patios

Loss or damage to your contents

• Caused by events such as fire, theft and flooding
• Cover for your furniture, fixtures or fittings
• Cover for valuables such as laptops, phones, jewellery and any other specified valuables
• Cover in your home, outbuildings and garden
• Plus we’ll cover items temporarily taken outside the home or garden or worldwide

New for old replacements

• We’ll replace your damaged or destroyed belongings with new items
• Or we’ll help with restorations, repairs or payment to choose your own replacements

Personal money

• Cash in your home covered up to a limit – including travel tickets, gift vouchers and phone cards

Cover for domestic employees

• Legal liability under the Workers’ Compensation Act to compensate home employees for accidental death or bodily injury in the course of duty

Public Liability

• Legal liability to third parties for injury or damage to their property as a result of ownership or occupation of a residence

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:

• Wet rot, dry rot or frost damage
• Damage that’s been caused over time
• Claims for poor workmanship or faulty design
• Wear and tear, and the cost of repairing breakdowns or faults
• Misplacing or accidentally losing items
• Motorised vehicles, aircrafts, caravans or watercrafts of any kind