Home insurance
Protect your contents and your building against the unexpected.
What's covered
Cover options
Choose the level of cover that suits you. Every quote sets out the detail, terms and excesses before you accept.
Home contents
Covers your household belongings against theft, fire, storm damage and more — for owners and tenants alike.
Buildings
Covers the physical structure of your home against insured events such as fire, storm, burst geysers and impact.
All-risk items
Add portable possessions like jewellery and laptops that travel with you, covered in and away from home.
Optional extras
Tailor your cover with add-ons
- Accidental damage cover
- Power surge protection
- Geyser cover
- Subsidence and landslip
Why FSInsure
Built for the way you live
Instant quotes
Get a personalised quote in minutes, online.
AI underwriting
Fair, real-time pricing for your risk profile.
Smart claims
Fast triage and clear tracking, end to end.
What you'll need
Have these details handy and your quote will only take a few minutes.
- Property type and ownership status
- Estimated contents or replacement value
- Security measures (alarm, electric fence, access control)
- Any high-value items you'd like specified
Frequently asked
Can I insure both my building and contents?
Yes. You can combine buildings and contents cover, and add all-risk items, so everything sits on one simple policy.
I rent my home — can I still get cover?
Absolutely. Tenants can take out contents cover to protect their own belongings without insuring the structure.
Does security affect my premium?
Security features such as alarms, electric fencing and access-controlled estates can lower your risk profile.
Ready to cover your home?
Get an instant, personalised quote online and activate cover the same day.