Your contents include more than just furniture — they’re the items that make your house a home. Contents insurance protects your belongings against loss or damage due to events such as theft, fire, or accidental damage.
At Zymm, we help you insure your possessions properly, without paying for cover you don’t need.
What contents insurance covers
Contents insurance typically covers:
Furniture and household items
Electronics and appliances
Clothing and personal belongings
Items stored in garages or sheds
Personal items taken outside the home (subject to policy limits)
The right policy ensures your belongings can be replaced if the unexpected occurs.
Avoiding underinsurance
Many people underestimate the total value of their belongings. Underinsurance can lead to reduced claim payouts and unnecessary stress.
We help you:
Accurately assess the value of your contents
Understand policy limits for high-value items
Decide whether specified item cover is required
Balance protection with affordability
This ensures your cover reflects reality — not guesswork.
Policy features that matter
Contents policies vary widely between insurers. We’ll help you understand:
Replacement vs market value cover
Accidental damage options
Cover for valuables such as jewellery or electronics
Limits on items taken away from the home
Our advice focuses on clarity and suitability.
Flexible cover as life changes
As your lifestyle changes — moving home, upgrading belongings, or changing living arrangements — we’ll help you review and adjust your contents insurance accordingly.