Home and Contents Insurance

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 accidentally put your foot through the ceiling while up in the roof. Whether your building or contents are covered (or both) depends on your policy.

Accidental damage cover can be added as an optional benefit to your Buildings and Contents Standard policy. Or, if you upgrade to Buildings and Contents Plus, it’s automatically included.

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 in total for all items in each of these categories:

• Works of art
• Collections
• Jewellery and watches

Items in your home within these three categories can be insured for higher amounts, if you choose Valuable contents as an optional benefit.

Portable contents are items that you or your family own that you can take outside of your home. You’re only covered for these if you choose Portable contents as an optional benefit.

A portable contents excess may apply, read the Premium, Excess and Discounts Guide.

Yes, you can choose who repairs your home.

If you decide to use one of our Partner Repairers, and we authorise the work, we give a lifetime guarantee on the workmanship of the repairs. We can also assist in managing the repairer throughout the repair on timeframes and quality, and we can pay the repairer directly.

If you choose your own repairer that has not been authorised by us, we will pay any claim amounts directly to you rather than to the repairer.

We'll 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.

Valuable contents are not covered while in storage.

Read the PDS for information on items 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 cost of repairing, replacing or rebuilding.