Insure your contents

Make sure you have sufficient private insurance to cover the cost of damage to or loss of your possessions as these are not covered through your natural hazards cover. 

Key things to check:

• Make sure you know what your private insurer covers, as well as what they won’t cover (these are known as exclusions).
• Check that you’ll have enough private insurance cover to replace your contents after a natural disaster, and review this regularly so that it keeps pace with any change in the value of your contents.
• Can you find your insurance documents? These include the policy wording as well as your policy schedule. When a disaster strikes you’ll want to be able to access these documents easily. Store hard copies in a safe place and/or upload a copy to the cloud.