Home & Contents2021-07-16T10:12:08+09:30


For most people their house and contents are probably some of the largest assets that they own. It makes sense then to insure them correctly to ensure that if an unfortunate event occurs you can avoid a financial disaster.

In Australia, under-insurance continues to be a major issue, the unfortunate reality is that most people with inadequate cover do not realise until it’s too late.

If you work from home you may need a separate business cover for public liability insurance and also for the contents used for business purposes.


Contact your insurance broker as soon as practical. You will be asked to;

  • Complete a claim form – See our Claims Section
  • Provide proof of ownership in the form of receipts, manuals, pictures
  • Obtain a quote to repair (if possible) or replace the items.  If the items are unrepairable this should be confirmed in writing by a repairer

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Most policies cover the main dwelling plus any other domestic use garage, outbuildings, walls, gates, fences, driveways, verandas, patios, in-ground swimming pools and for tenanted properties, any landlords fixtures and fittings such as stoves, built in air conditioning, light fittings, kitchens, etc.. Ensure that your sum insured covers the cost of the current rebuilding value, plus costs associated with removal and dumping of the damaged property and any other professional costs associated with rebuilding (such as architects, soil tests, application fees etc..)

Covers the cost of replacing furniture, carpets, clothes and personal possessions. Items such as artwork, antiques, collections and jewellery can have cover limited to a certain value unless they are specified individually on the policy.

Cover for items being taken away from the insured property (within Australia) is not provided by all policies automatically. These items can be insured by specifying them and paying an additional premium.

If you’re intending on travelling overseas check with your broker, as most house and contents policies will not cover outside of Australia and New Zealand (travel insurance is usually the best cover option).

Most contents insurance policies automatically include personal liability insurance. This covers you should you be responsible for another person being injured or if they have any of their property damaged whilst on your property. It does NOT cover other people who work in or on your home, such as cleaners, gardeners, builders or plumbers. These people should have their own business liability insurance policy to protect them for the damage they may do to you or your property.


This cover provides all of the cover noted in the defined events policy PLUS cover for ACCIDENTAL DAMAGE or LOSS of items that cannot be found. This cover will generally provide an automatic cover for items taken away from the premises (within Australia).

These policies are generally cheaper (as they provide less cover). The cover is usually restricted to the insured situation (no cover away from the premises) and covers for events such as;

  • Fire or Explosion
  • Storm, Lightning or Thunderbolt
  • Earthquake
  • Theft
  • Malicious Acts
  • Riot or Civil Commotion
  • Bursting, Leaking, Discharging or Overflowing of basins, tanks, pipes etc
  • Impact (by car, tree etc)
  • Breakage of Glass
  • Fusion of Electric Motors
  • Spoilage of Food (due to breakdown of fridge or freezer)
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Frequently Asked Questions

Is MGA community minded?2020-02-19T09:29:45+10:30

MGA is located in all mainland states and territories, both in metro and regional centres. In each of these locations MGA is a part of the local community and support is provided through local sponsorships and donations to a wide variety of sporting clubs, community groups, charities and events. On a national level the MGA Whittles Community Foundation was set up to facilitate fundraising by staff, along with contributions from MGA and its sister company, Whittles, from which 100% of funds are then donated to worthy charities.

For more information, please visit www.mgawhittlesfoundation.org.au

To find your local MGA office, see www.mga.com/our-offices/

Where can I find my nearest MGA Insurance Group office?2021-04-19T12:15:58+09:30

MGA has over 40 offices (and growing), located in both Metro and regional areas across mainland Australia and one in Phnom Penh, Cambodia. Office contact details can be found on our website, view our offices.

Why is it important to have the right insurance?2020-02-19T09:30:11+10:30

It’s important to understand your own risks so you can choose the right insurance product. In Australia, we have over 100 licensed insurers that offer a broad range of insurance products to choose from. Each insurer offers policies with different terms and conditions and exclusions so no two policies are the same. MGA brokers can provide advice on a wide range of general insurance products, both for domestic and business purposes and also have access to insurance policies that are not readily available to consumers.

Shouldn’t I just use an Insurance comparison website?2020-02-19T09:29:31+10:30

Some people turn to insurance comparison sites to look for the cheapest insurance, but that’s not always the best way as price is not the only thing you should consider. The policies you’ll be offered are usually fairly generic and may not meet your individual requirements. MGA brokers can arrange insurance cover on your behalf and provide advice on how to make the most of your insurance budget.

What’s the difference between an insurance agent and an insurance broker?2020-02-19T09:30:24+10:30

The main difference is that an insurance agent is a direct representative of the provider of the insurance policy being offered to you, their responsibility is to sell the products from those insurers and no others. They may be a multi agent where they provide covers from several providers, but they continue to only sell products from those insurers.

An insurance broker on the other hand is able to access many different insurers (excluding those that only sell direct to the public), matching the customer’s needs to the insurance policy and negotiating changes that may be required. Insurance brokers are engaged by the customer and are working on their behalf to source, negotiate, maintain, renew and assist in the claim process. An insurance broker is an advocate for the client, not the insurance company.

Can I pay for my insurance online?2020-02-19T09:30:44+10:30

Yes, you can pay for your insurance online through several different payment methods. Visit www.mga.com/payment-options/ to find a payment method that suits you.

How do I find my policy number?2020-02-19T09:30:53+10:30

Your policy number can be found on the tax invoice that you received when you purchased your policy. View example.

What is a Product Disclosure Statement (PDS)?2020-02-19T09:31:02+10:30

A Product Disclosure Statement (PDS) provides you with essential information to help you make a decision about whether to buy a particular product. It describes in clear terms the main features and the terms and conditions of the policy. A PDS also provides information about the cooling off period after you purchase the policy in case you change your mind and outlines what you need to do in the unlikely event you have a complaint.

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