Home Buildings and Contents Insurance
Save when you combine home and contents insurance into one simple policy
Home Buildings and Contents Insurance
Even if you forget to lock up
Theft & vandalism
We cover stolen items and damage from robbery and vandalism, including stolen keys.
We cover loss and damage to your home and items caused by fire (including bushfire).
Flood, rainwater run-off & storm surge
If your home needs urgent repairs, we’re here 24/7 to help keep you safe.
Rebuilding your home
We pay to repair or rebuild your home up to the insured amount if it’s damaged by a covered event.
If your home can’t be lived in after a covered event, we pay for temporary accommodation2.
Water & oil leaks
We cover damage to your home and items caused by water and oil leaks3, like from a burst pipe.
We cover accidentally broken glass and ceramic in your home's furniture and some permanent fixtures4.
We pay for damage caused by impacts from things like vehicles and trees5.
We cover damage and power surges caused by lightning.
If you’re renovating, we cover loss or damage to building materials at your home caused by a covered event (up to $1,000).
Demolishing & removing debris
If your home is damaged beyond repair by a covered event, we pay to demolish it and remove the debris.
No excess for food spoilage
If your fridge stops working after a covered event, we pay for spoiled food and prescription medicine.
Liability for injury or damage
We cover your legal liability in some situations if someone’s injured or their property’s damaged at your home (up to $20m).
We cover your visitors' items if they're damaged by a covered event at your home (up to $500).
Moving to a new home
We cover items being moved to your new home if they're damaged in a car accident.
Add these when you get a quote
Add cover for damage to buildings and fixtures from unintentional mishaps around your home6.
Add cover for electric motor fusion7 in fixtures like air con and pool pumps, including parts and labour.
Pet lover's pack
Optional cover for vet fees if your cat or dog’s in an accident, plus accommodation for them after a covered event.
Increase your cover for some items in your home like art, jewellery and collectables.
Choose to cover items like glasses, jewellery and luggage when you take them outside your home8.
For full details including limits, conditions and exclusions, read these policy documents
Renting your place on Airbnb or Stayz?
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
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.