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Why Choose Chirps?
Your home is one of your most valuable assets, and protecting it shouldn’t be complicated. At Chirps, we specialise in home and contents insurance, offering tailored solutions to give you peace of mind. With years of experience and a commitment to making insurance simple, we provide reliable cover backed by trusted insurers.
Tailored Coverage
We understand that every home is unique. Our policies are designed to fit your specific needs, ensuring comprehensive protection.
Expertise You Can Trust
With years of experience in the insurance industry, we specialise in safeguarding homes like yours.
Comprehensive Protection
From structural damages to personal belongings, our coverage ensures that both your home and its contents are protected against unforeseen events.
Understanding Your Cover: Accidental Damage vs. Defined (Listed) Events
When it comes to protecting your home and belongings, it’s important to know exactly what you’re covered for. At Chirps, we help you choose the right type of cover for your needs—whether that’s protection against specific events or broader accidental mishaps.
Defined (Listed) Events Cover
Also known as Listed Perils, this type of policy covers loss or damage to your home or contents caused by specific events that are clearly listed in your policy. If it’s not listed, it’s not covered.
Common insured events include:
Common insured events include:
Defined Events policies offer excellent protection for many of life’s bigger risks — but they won’t cover everyday accidents unless they’re specifically included.
Accidental Damage Cover
Accidental Damage insurance is more comprehensive. It covers not only the major Defined Events Cover, but also unexpected accidents that happen around the home.
Common insured events include:
Common insured events include:
This type of cover protects against most types of sudden and unforeseen damage, except for general wear and tear or lack of maintenance.
Which Type of Cover Should You Choose?
Defined Events cover is a great choice if you’re looking for protection against major risks at a more affordable premium.
Accidental Damage cover is ideal if you want peace of mind knowing you’re covered for a wider range of mishaps and minor accidents too.
Not sure which option suits you best? That’s what we’re here for. We’ll help you navigate your choices and find a policy that gives you the right level of protection — without paying for what you don’t need.
Accidental Damage cover is ideal if you want peace of mind knowing you’re covered for a wider range of mishaps and minor accidents too.
Not sure which option suits you best? That’s what we’re here for. We’ll help you navigate your choices and find a policy that gives you the right level of protection — without paying for what you don’t need.
Benefits of Insuring with Chirps.
Choosing Chirps means getting the right cover without the hassle. Our policies are flexible and affordable, ensuring you only pay for what you need. With dedicated support, easy claims processing, and comprehensive protection, we take the stress out of safeguarding your home.
Flexible Policies
Whether you own a house, apartment, or rental property, we have coverage options to suit your situation.
Competitive Premiums
Quality protection shouldn’t break the bank. We offer comprehensive coverage at affordable rates.
Dedicated Support
Our team is here to assist you every step of the way, from selecting the right policy to guiding you through the claims process.
Our trusted partners.
We partner with leading insurers to bring you the best coverage, competitive rates, and reliable protection. Because when it comes to safeguarding what matters most, only the best will do.
Ready to protect what matters most?
Fill out our form.
Or get in touch.
P: (02) 6282 2100
E: admin@chirps.com.au
A: 110/43-57 Townshend St, Phillip, ACT 2606
