Home Buildings and Contents Insurance
Save when you combine home and contents insurance into one simple policy
Home Buildings and Contents Insurance
What's included
Even if you forget to lock up
Get our highest level of cover with an upgrade to Home Buildings and Contents Plus. Learn more about Home Buildings and Contents Plus, or read the Product Disclosure Statement (PDS).
Optional benefits
Add these when you get a quote
Some optional benefits are automatically included if you upgrade to Buildings and Contents Plus. Learn more about Buildings and Contents Plus, or read the PDS.
Not included
There are some things we don't cover
Policy booklets
For full details including limits, conditions and exclusions, read these policy documents
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With over 90 years' experience, we know how to protect the things you care about
Do you know how much it would cost to rebuild your home and replace the things in it?
Log in anytime to make a claim. It’s quick and easy to upload item receipts or photos
Upgrade to Home Plus
Home Plus is premium protection for your home. It gives you all the benefits of our standard home insurance, plus extra features and automatic cover you don’t usually find in other policies.
With Home Plus you get:
- An extra 25% on top of your insured amount to rebuild, repair or replace your home and items (if you need it)
- Automatic cover for accidental damage to your home and items
- Automatic cover for electric motor burnout or fusion in things like fridges and air con
- Cover for up to $2,000 of damage to plants, trees and shrubs.
To get Home Plus, select Upgrade to Plus cover at the end of your quote.
Have a question? We can help
Accidental damage cover protects you when things go wrong around your home.
For example, you'd be covered if your child accidentally knocked your TV over and broke the screen. Or if you were up in your roof and accidentally put your foot through the ceiling. Whether your building or contents are covered (or both) depends on your policy.
Accidental damage cover's automatically included with Home Plus and can be added to standard home insurance.
General contents are items you keep in and around your home that aren't permanently attached or fixed to the home's structure, for example furniture.
Valuable contents are covered as part of your general contents, however the cover is limited to $2,500 for these categories:
- Works of art
- Music, games and movies
- Collections
- Jewellery and watches
Under Valuable contents, you can choose to insure these items inside your home for more than what would normally be paid out.
Portable contents are items that you or your family own that you can take outside of your home.
Yes, you can choose who repairs your home.
However, if you decide not to use one of our Partner Repairers, we won't be able to warrant the workmanship or repairs that are completed, or assist in managing the repairer throughout the repair on timeframes or quality.
We'll also only pay you the fair and reasonable amount that the repairs should cost.
This depends on the types of items that you're claiming for.
Contents items such as electrical items are generally referred to a specialist supplier that can assist in the replacement process.
Sometimes we can choose to settle your claim with a store credit or cash settlement and where possible, repair or restore content items.
General contents held in storage can be covered under our Home Insurance policy if you inform us before moving your items into storage and if our acceptance criteria are met.
Read the Product Disclosure Statement for information on items not covered while in storage.
Please note that Valuable contents are not covered while in storage.
Yes you can.
The calculation guide that's provided is a guide only. It's up to you to make sure your home and contents are insured for their full replacement value.
However, if you insure your home or contents for more than the cost to repair, replace or rebuild, we only pay the actual costs of repairing, replacing or rebuilding.
We operate in New South Wales, Queensland, Tasmania, Australian Capital Territory, Western Australia, South Australia and the Northern Territory.
Things you should know
We don’t cover actions of the sea, such as tides and waves. Check the PDS for a full list of exclusions. If we give you the option to remove cover for flood, rainwater run-off and storm surge and you choose to do so, you won’t be covered for loss or damage to your home caused by flood, rainwater run-off or storm surge.
We pay for accommodation for up to a year if you were living in the damaged home, we agree it's unliveable and we agree to the cost before you make arrangements.
We don’t cover damage caused by water leaking or escaping from a shower recess or shower base. We don’t cover loss from erosion or other earth movements. We don’t cover the costs to repair or replace the item that the water or oil leaked or escaped from.
We don't cover broken glass in televisions, radios, or computer equipment unless you choose to add Accidental Damage Cover.
We don't cover loss or damage caused by tree cutting, lopping or felling.
We don't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use.
We can cover motors for up to 15 years after they were made.
Portable items are covered for loss, theft and accidental damage. We cover up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand, check the PDS. We don’t cover scratches and dents or items being cleaned or repaired. We don’t cover fishing equipment, sporting equipment, musical instruments or firearms while they’re in use. We don’t cover bicycles while they’re being used in a competitive race or time trial.
Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount. You may not save more with more eligible policies and by staying with us longer if a minimum premium is reached, or we have limited increases or decreases in your premium.
Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount.
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