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Keep things simple with combined cover for the structure of your home and the belongings you keep inside.
You’ll have one combined policy and one renewal date with our Home and Contents Insurance.
Save up to 10% online on a new Home Building and/or Contents policy, plus get a 5% Multi Product Discount for buying Building and Contents as these are both eligible products for this discount. T&Cs apply.
Buy your Home Buildings and Contents Insurance online and we’ll automatically apply the discount. You’ll save up to 10% on your first year's premium8.
From your ceilings and walls to furniture and rugs, get cover for your home’s structure plus the contents inside with one policy.
If both your building and contents are damaged in the same insured event, you may only pay one excess (the higher amount).
If we replace your covered item after it’s been stolen or damaged, we’ll replace it new for old as standard.
Home Buildings and Contents Insurance combines our Home Buildings Insurance and Home Contents Insurance to help cover your home and personal belongings if they’re damaged or destroyed by an insured event, such as fire, theft or storm2.
This includes your home and other structures on your property (like garages and sheds), as well as permanent fixtures and things you keep inside your home.
You can also customise your policy with optional add-ons to suit your needs when you get a quote.
Our Buildings Insurance page has a summary of what’s covered. It also details what’s not included and any optional extras.
Building Insurance helps cover the cost of repairing and rebuilding the physical structure of your home, if it’s damaged or destroyed by an insured event (such as a bushfire, flood, storm or leak) up to the sum insured2.
Go to our Contents Insurance page for a summary of what’s included, what’s not, and optional extras.
Contents Insurance helps cover items in your home (such as furniture, electronics, clothing, fridges, TVs and more) in case they’re damaged or destroyed by an insured event such as a fire, theft or storm2.
Choose Home Buildings and Contents Plus when you’re getting a quote.
Read our Product Disclosure Statement to see exactly what’s included. It’s just below.
They’ll give you full details on limits, conditions, exclusions and more.
Important note for customers in NSW, QLD, TAS & ACT. If you purchased your policy before 21 April 2024 and you either haven't renewed it yet or you last renewed it before 1 July 2024, your cover will be different to the cover described above. Read the Product Disclosure Statement (PDS) relevant to your policy on our policy booklets page, or call us on 132 132 for more information.
Do you know how much it would cost to rebuild your home and replace the things in it?
Instead of taking out two individual policies to help cover your home's structure and your belongings, you might consider a combined policy that helps cover both. It carries the benefit of less life admin (always a plus!) by allowing you to review your cover all in one hit.
A combined policy also means that if both your home and its belongings are damaged in the same insured event, you may only need to pay one excess (the higher of the two).
Some examples of insured events include fires (including bushfires), storms, floods1, water leaks, theft, vandalism and more. You can see the full list in the Product Disclosure Statement (PDS).
To get a quote, you’ll need to tell us how much to insure your home and contents for. To get an idea of how much your building or contents might be worth, you can consider using our calculators as a guide9.
As a renter, you may wish to consider Contents Insurance for Renters for the things you keep inside the property you're renting.
Insurance for the structure of a building is typically the responsibility of the landlord, who owns the property.
Yes, you can.
The calculation estimate provided is just a guide.
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.
Note that your ‘building’ and ‘general contents’ sum insured is the amount your home and contents is insured for. Each year your policy renews, your sum insured is reviewed and may change due to a range of factors, such as inflationary trends.
Read the PDS for more details or contact us.
Under one Home and Contents policy, you could pay one total excess (the higher of the two) if a single insured incident damages both your building and contents, but it depends on the circumstances.
Read the PDS for more details or contact us.
We can cover the cost to repair or rebuild your home if it’s damaged or destroyed by an incident we cover, up to the sum insured.
We offer cover for items in your home, even if you accidentally leave a window or door unlocked.
Protect your strata building and common contents. We can cover damage or loss caused by storms, fires or accidental damage.
Explore cover for your short-term rental property with ShareCover Holiday Rental Insurance
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