Lifestyle Insurance is designed for properties that don’t fit the standard mould. Whether you own a lifestyle block, semi-rural property, or a home with additional land and assets, traditional home insurance can overlook important risks. Lifestyle insurance ensures your home, rural activities, and everything that comes with it are properly protected and is fit for purpose. This is essential to give you peace of mind.
It typically covers:
- Home & Contents: Protection for your house and belongings, including options for full replacement and higher-value items.
- Outbuildings & Farm Contents: Cover for garages, sheds, workshops, and other buildings used for animal shelter, store animal feed, farm vehicles or farm contents not always included in standard home policies.
- Land Improvements & Fencing: Protection for fencing, driveways, and other improvements across your property.
- Vehicles & Implements: Cover for Tractors, motor bikes, quad, ride-on mowers, trailers and implements i.e. log splitter.
- Rural Liability: Protection if your farming activities or livestock cause injury to someone else or their property.
- Home-Based Activities: Cover extensions for small-scale business or income-generating activities run from your property.
This type of insurance is ideal for lifestyle property owners who need broader, more flexible protection than a standard home policy provides.
Subject to variations in insurer wording, exclusions, and case-specific endorsements.
