Home > Personal Insurance Personal Insurance Brokers We offer a variety of Personal Insurance products for your Home and Contents, Motor Vehicle and Valuables specifically designed to meet the unique needs of individuals. Home > Personal Insurance Personal Insurance We offer a variety of Personal Insurance products specifically designed to meet the unique needs of individuals. What is Personal Insurance? Cowden have available a wide range of Personal Insurance products to ensure your most valuable assets are insured adequately and to provide you with the peace of mind you seek.Whether you are looking to insure your home and contents, motor vehicle, boat or investment property, our friendly insurance brokers will assist in providing an insurance package that best suits your needs. Home Insurance Products Covers we can arrange and advise on include: Home Insurance Contents Insurance Valuables Insurance Landlords Insurance Holiday Home Insurance Hobby Farm Insurance Residential Strata Insurance Motor Insurance Products Covers we can arrange and advise on include: Car Insurance Comprehensive Third Party Property Third Party, Fire and Theft Motorcycle Insurance Caravan Insurance Boat Insurance Travel Insurance PassportCard - Revolutionising travel insurance.Get instant payouts for approved claims while you're away and verify later.Click here to obtain a quote from PassportCard.Leisure travel part of a business trip? Talk to one of our brokers today to discuss a more cost-effective solution. Cowden Insurance Brokers Trusted by Thousands Our ability to consistently find the correct solution based on our clients needs has built the trust and loyalty that thousands of Australians have in us. 50 Years of Experience Cowden Limited was founded in 1972 and through growth and acquisition has become a major force in the Australian insurance market. Strong Referral Record 95% of new business is by-way-of referrals from our satisfied clients. Protecting your Company’s Balance Sheet with the Most Economical Solutions We use cutting-edge technology to give you the most cost effective insurance solution. We are Licensed Insurance Advisors Along with our 50 years of experience, we hold an Australian Financial Services Licence.Providing you with peace of mind that we have proven and authoritative service. We've got you Covered With offices in Perth, Adelaide, Melbourne and Sydney, we will find the solution for your insurance needs. TESTIMONIALS Hear What Our Clients Have to Say "Thank you to Cowden for putting in place Strata Insurance for our properties. The effort put in by Karen Wilson in achieving this outcome was exceptional. Again many thanks to Karen and Cowden, we will be recommending your services”. - Dr. Mark Hagan "In speaking with Cowden Insurance Brokers I have learnt so much about insurance including how important it is as a tenant that you have Contents Insurance. I am more than happy to recommend your fantastic services." - Jan Eriksen "Cowden Insurance Brokers help was incredible! They tailored my insurance for my personal needs. The team was so friendly and helpful, and answered all of my questions and concerns, highly recommend!" - Alice McKenna "Thank you for quickly arranging insurance for me, great work from the team at Cowden Insurance Brokers” - Rob Gillies "Great service, managed to beat all quotes/policies I previously had which I personally managed. I highly recommend Cowden Insurance Brokers”. - Zac Hillier "Great service from some equally great people. If you are looking for someone to look out for your interests by getting the best insurance at a great price, then these people are the ones to see”. - Sharon Setton Frequently Asked Questions Are all Home and Contents policies the same? No, there is a variety of covers available. Defined or listed events policies only cover events listed in the policy. Accidental damage policies are broader and also cover accidental loss and damage to your contents anywhere in the world. Both policies have exclusions, so it’s important to make sure you have the right policy before you have a claim. We can help you navigate through the various options, so you can make an informed decision. My children drive my car, do I need to tell my Motor Vehicle insurer? Yes! All drivers need to be disclosed to your insurer regardless of who the registered owner is. Remember, you have a duty to answer all specific questions asked by the insurer truthfully and accurately. Not doing so may be considered by the insurer as misrepresentation and may cause issues if you need to lodge a claim. I have an investment property, what does Landlords Insurance cover? Landlords insurance provides protection to your building, landlord’s contents and loss of rental income (following an insured event), as well as your legal liability as a property owner. Optional covers such as malicious damage by tenants, theft by tenants and rent default can be added to the policy. How do I know how much to insure my Home and Contents for? It’s important you get the right amount of cover and are not underinsured. Your insurance should always be the replacement cost of your property. Use these helpful calculators to estimate the cost to rebuild your house and to replace your home contents. How do I lodge my Insurance claim, will I have an excess to pay? At your first opportunity contact us. We will be there every step of the way. We will help you notify the insurer, explain how to pay your excess, gather and submit the right paperwork and see it through to the end of the claim.