Home Building Insurance

Your home is more than just four walls and a roof, it’s your sanctuary. But what happens if unexpected events like fire, storms, or vandalism cause serious damage to the building itself?

With Mmela’s Home Building Insurance, you can rest easy knowing that the physical structure of your home,including permanent fixtures and fittings is covered against a range of risks. Protect your investment with reliable coverage and affordable premiums.

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What is Home Building Insurance?

Affordable Home Building Insurance

Building insurance covers the physical structure of your property and its permanent fixtures. This type of insurance is designed to protect your home’s structure against various risks, such as fire, storm damage, vandalism, or damage caused by covered perils like floods, earthquakes, or accidental damage.

Home Building Insurance may cover items such as:

  • Structural Elements: Walls, roof, foundation, floors, ceilings, etc.
  • Fixed Installations: Built-in kitchens, bathroom fixtures, plumbing, electrical wiring, etc.
  • External Features: Garages, sheds, fences, driveways, pathways, etc.
  • Permanent Fixtures: Built-in wardrobes, fitted carpets, window frames, doors, etc.
  • Additional Structures: Swimming pools, tennis courts, garden walls, pergolas, etc.

Home Building Insurance is especially important for Homeowners to safeguard against unexpected repair or rebuilding costs in the event of serious damage or total loss.

Types of Value Added Products and Services

Value-added Services are services that are attached to your primary insurance policy

Accidental Breakage to Fixed Machinery

Accidental damage to fixed machinery covers accidental damage, loss, or mechanical and electrical breakdown of fixed machinery used for domestic purposes in your home, as listed in your policy schedule.

Power Surges

Covers loss or damage to your home caused by unexpected power surges from the public electricity supply. This includes damage to appliances, electronics, and systems like alarm panels or gate motors.

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Home Insurance

Frequently asked questions

What is not covered under a standard building insurance policy?

Exclusions may include:

  • Wear and tear or gradual deterioration

  • Damage caused by poor maintenance or negligence

  • Termite, pest, or rodent damage

  • Losses during renovations (unless disclosed)

  • Damage from illegal building structures or poor workmanship

  • Contents inside the home (these require a separate House Contents Insurance policy)

Is Home Building Insurance compulsory

It is not legally required by the government, but mandatory if you have a home loan or bond. Your bank or lender will typically insist that you take out building insurance to protect the value of the property.

While not legally enforced, having home building insurance is considered good practice. It ensures you are financially protected against unforeseen damage to your home. Without it, you could face significant repair or rebuilding costs out of pocket after a disaster. It also gives peace of mind knowing that your most valuable asset is secure.

What is the difference between Home Building and House Contents insurance?

  • Home Building insurance covers the structure and fixed fittings of your home.

  • House Contents insurance covers movable personal items inside your home like furniture, electronics, and clothing ect.

How often should I review my policy?

Annually or whenever:

  • You renovate or extend the home

  • Building costs increase due to inflation

  • You install security upgrades

  • You notice changes in your risk profile

This FAQ is intended to provide general guidance only. Always read your policy wording and insurance schedule to understand exactly what is covered, what is excluded, and the conditions that apply. If in doubt, speak to your insurer or broker for clarification.