Your home and contents policy should be flexible enough to meet your needs and give you the confidence that our personal service and support provide, whilst being as affordable as possible. With EBM Home and Contents Insurance you get the option of how much excess the policy includes, whether it's $0, $50, $100 or more, as well as the choice between cover for 'defined events' or 'accidental damage' or both. Our home and contents policies also include personal liability cover.