Check your private insurance

Insurance is about peace of mind but don’t just buy it and put it out of mind.

Know what cover you have

• Make sure you understand your EQCover. 
• Find out what your private insurance policy covers, as well as what it doesn’t cover (these are known as exclusions).
• Check that you will have enough private insurance cover to rebuild your home and replace your valuables after a natural disaster.
• Review your private insurance cover regularly to make sure it keeps pace with any change in the value of your home or contents or any change in the costs to repair or rebuild your home.

Can you find your insurance documents easily?
Your insurance documents include the policy wording as well as your policy schedule. If a disaster strikes you’ll want to be able to get to these documents quickly and easily. Store physical and digital copies somewhere safe (digital copies might be saved to your computer, a memory stick, a ‘cloud’ storage service or all three locations.