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
Theft & vandalism
We cover stolen items and damage from robbery and vandalism, including stolen keys.
Fire
We cover loss and damage to your home and items caused by fire (including bushfire).
Flood, rainwater run-off & storm surge
We cover damage to your home and items caused by flood, rainwater run-off and storm surge1.
Emergency repairs
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.
Temporary accommodation
If your home can’t be lived in after a covered event, we pay for temporary accommodation2.
Optional extras
Add these when you get a quote
Accidental damage
Add cover for damage to buildings and fixtures from unintentional mishaps around your home6.
Motor burnout
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.
Valuable contents
Increase your cover for some items in your home like art, jewellery and collectables.
Portable contents
Choose to cover items like glasses, jewellery and luggage when you take them outside your home8.
Policy booklets
For full details including limits, conditions and exclusions, read these policy documents
Renting your place on Airbnb or Stayz?
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
What's Accidental damage cover in my home insurance policy?
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.
What’s the difference between General, Valuable and Portable contents?
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.
Can I choose my own repairer for my home repairs?
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.
How will my claim for contents items be settled?
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.
I'm placing some contents items in storage, how do I ensure that my items are covered?
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.
Refer to the Product Disclosure Statement for information on items not covered while in storage.
Please note that Valuable contents are not covered while in storage.
Can I insure for more than your online building and contents calculators say?
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.
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.