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Huddle's home and contents insurance seeks to protect you against storms, floods, theft, malicious damage and all the other things that might go wrong. Founded in 2016, Huddle's taken a planet-minded approach to insurance, donating part of the revenue from its 17,000 subscribers to environmental causes. You can bundle up for both home and contents protection or purchase them separately.
Huddle sets itself apart from other insurers in a few ways:
Huddle's combined home and contents insurance exists to protect all of what you call home, from your treasured possessions to the walls you live in. Your home and contents will be insured against all the usual suspects like theft, fire, impact damage, lightning and people intentionally breaking your stuff. In addition, your visitors' possessions will be covered while they're staying over, and your belongings will be included even if they're lying out in the open or being moved from point A to point B. There is also a comprehensive version of this cover that raises your maximum claim benefits and throws in accidental damage cover.
When the most important thing to you is the building you live in, Huddle's home insurance can protect it from the ravages of fire, explosions, theft, floods, earthquakes and more. If your house needs fixing up, it can provide for emergency accommodation while you wait as well as debris removal, emergency storage of your belongings and replacement of your locks if necessary. Accidental damage to your home is covered under the comprehensive version of this policy, which also has higher claim limits.
A home is pretty empty without the things we keep inside, and Huddle's contents insurance is designed to help you replace or repair objects lost to fire, malicious damage, theft, storm damage, impacts, water leakage and more. It covers your guests' possessions and things you have out in the open, and it also guards against spoiled food, helps reproduce stolen documents and covers fraud on stolen credit cards. If you opt for comprehensive cover, you will have larger maximum benefits as well as gain protection from accidental damage to your stuff.
Benefit | Home | Contents |
---|---|---|
Fire | ||
Explosion | ||
Lightning | ||
Malicious damage | ||
Theft | ||
Flood | ||
Storm and rainwater | ||
Accidental glass breakage | ||
Earthquake | ||
Riot | ||
Impact | ||
Water leakage | ||
Accidental damage | ||
Removal of debris | ||
Emergency accommodation | ||
Replacement locks | ||
Environmental benefits | ||
Visitors' possessions | ||
Food spoilage | ||
Credit card | ||
Contents in the open at home | ||
Contents in storage/transit | ||
Liability cover | ||
Portable valuables cover |
Here's what you're protected for under Huddle's policies:
Huddle will not pay your claim in the following situations:
The price of your premiums depends largely on how at-risk Huddle judges your home or your belongings to be. Your policy's price depends on the following:
An excess is the amount you're required to pay when you make a claim with Huddle. Depending on what you're claiming for, one or more excesses might apply. The excesses associated with your policy will be listed on your policy document.
When it comes time to make a claim for your home or contents, you should always call the police first and report any theft, vehicle collision or other police matter. Take precautions to prevent further damage first, then gather together whatever documents and photos you might need to prove ownership and any damage that has been caused to your property or possessions.
Depending on the situation, Huddle may choose to rebuild your home, repair any damage, replace your contents or simply pay you the sum you're insured for. You can contact them on 1300 777 200 for more information about making a claim.
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