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We cover up to 12 months of temporary accommodation if your home becomes unliveable after a covered incident3.
If you can’t live in your home after an insured event, we can help cover up to 12 months of temporary accommodation3.
If your home is damaged or destroyed by an insured event, we'll help cover the reasonable cost to repair it in line with current building regulations.
We help cover reasonable costs for architects, engineers and surveyors when rebuilding if your home is damaged by an insured event.
Buy your Home Buildings Insurance online and we’ll automatically apply the discount. You’ll save up to 10% on your first year's premium8.
Building Insurance helps cover the cost to repair or rebuild the physical structure of your home and other permanent fixtures (like a shed or garage) if they’re damaged or destroyed by an insured event (such as a bushfire, flood, storm or leak)2.
If it’s a building used primarily for residential use that has walls and a roof and can be locked up, we can help cover it.
Also included (limits apply) are such things as in-built swimming pools and spas, sheds, driveways, fences and gates, and more.
Under this policy, we won’t cover home contents, fixtures or structures installed by a tenant, commercial buildings, water vessels or common property.
You can customise your policy and add optional benefits to suit your needs when you get a quote.
Check the PDS for a complete and detailed list of coverage, with any limits and exclusions.
Here’s a summary of what’s included, even if you forget to lock up
Fire
We cover loss and damage to your home caused by fire (including bushfire).
Damage from leaks
We cover damage to your home caused by liquid leaks, like water from a burst pipe or oil from a broken heater1.
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 accommodation3.
Lightning
We cover damage to your home and power surges caused by lightning.
Moving? Your new home's covered too
If you’re buying a new home in Australia, call us and we can cover it as soon as you sign the contract5.
Demolishing & removing debris
If your home is damaged by a covered event, we pay to demolish and remove the debris (up to 10% of the sum insured).
Theft & vandalism
We cover damage to your home from robbery and vandalism, including stolen house keys.
Flood, storm & storm surge
We cover loss or damage to your home caused by flood, rainwater run-off, storm, storm surge and tsunami2.
Emergency repairs
If your home needs urgent repairs after an event we cover, we’re here 24/7 to help keep you safe.
Impact damage
We pay for damage to your home caused by impact from things like vehicles and trees4.
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).
Landscaping
We cover your plants, trees, shrubs, or hedges that are growing in the ground if they are damaged in a covered event6.
Get our highest level of cover with an upgrade to Buildings Plus. Learn more about Buildings Plus, or read the PDS.
Carpets
We don't cover damage to carpets with Buildings Insurance, but they are covered with Contents Insurance.
Animal damage
We don’t cover damage by your animals, or animals you allow into your home.
Choose from these optional benefits when you’re getting a quote
Accidental damage
Add cover for damage to your home from unintentional mishaps, like putting a hole in the wall while moving furniture.
Motor burnout
Add cover for electric motor burnout in fixtures and permanently fixed appliances like air con and dishwashers, including parts and labour7.
These benefits are automatically included if you upgrade to Buildings Plus. Learn more about Buildings Plus, or or read the PDS.
Your ‘Building sum insured’ is the amount your home is insured for (just the physical structure, not things like furniture, clothes and other belongings).
Each year your policy renews, your ‘Building’ sum insured is reviewed and may change due to a range of factors.
You can estimate the cost of rebuilding your home with our home building insurance calculator9. You’ll need to know such things as external wall material, roof material, the total living area (m2), number of bedrooms and bathrooms, and more.
Check the Product Disclosure Statement (PDS) and consider this coverage when determining your ‘Building’ sum insured.
Weather events and accidental damage often result in building insurance claims across Australia.
If you’ve lodged a claim, you’re probably wondering what happens next?
Read more about what to expect and the steps to settling your claim.
Automatically included
'Accidental damage’ to a building structure such as a wall, ceiling or floor
Electrical motor burnout of a motor that is part of the permanent structure of your home7
Damage to a building as a result of severe weather such as flood, fire, earthquake, or storm2
Cover for temporary accommodation costs if your building is unliveable due to damage caused by an insured event3
Cover for reasonable costs when rebuilding to meet building regulations, professional fees, and removal of debris
Not included
‘Portable contents’ and ‘valuable contents’ such as jewellery, laptops and phones
Automatically included
Damage to a building as a result of severe weather such as flood, fire, earthquake, or storm2
Cover for temporary accommodation costs if your building is unliveable due to damage caused by an insured event3
Cover for reasonable costs when rebuilding to meet building regulations, professional fees, and removal of debris
Optional extra
'Accidental damage’ to a building structure such as a wall, ceiling or floor
Electrical motor burnout of a motor that is part of the permanent structure of your home7
Not included
‘Portable contents’ and ‘valuable contents’ such as jewellery, laptops and phones
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?
Home Buildings Insurance (also called building insurance) is a type of Home Insurance that helps cover the cost to repair or rebuild the structure of your home if it's damaged or destroyed by an insured event. It also covers other buildings on your property like sheds or garages, as well as permanent fixtures like kitchen cabinets or light fittings in your home.
If you want to cover furniture or other belongings you keep in your home, check out Home Contents Insurance or our combined option, Home Buildings and Contents Insurance.
You can try our building calculator to get an idea of how much it might cost to rebuild your home. Remember that the calculator should only be used as a guide.
Building Plus includes all the inclusions of our Building Standard policy, plus some higher-value limits and extra features, including ‘Accidental damage’ and ‘Electrical motor burnout’ cover automatically included7.
Yes, but there are exceptions in both cases.
Driveways that provide access to domestic buildings are included, but not gravel driveways.
Fences are covered but they must be structurally sound (limits may apply). In the event of a storm, storm surge or tsunami, flood or rainwater run-off, gates, fences or free-standing walls are not covered if the loss or damage was caused because they were not structurally sound or well-maintained.
Home Buildings Insurance is different to Landlord Insurance. Home Buildings Insurance is generally for people who want to insure the property that they own and live in (also known as an owner-occupied home).
Landlord Insurance is for people who might want to insure a residential property that they own and rent out to tenants.
There are also other home insurance products for different types of properties, assets and arrangements. Explore Home Contents Insurance, Home Buildings and Contents Insurance, Residential Strata Insurance, Holiday Rental Insurance, Single Item Insurance and Contents Insurance for Renters.
We cover loss or damage caused by flood or rainwater run-off or storm2, plus landslide or subsidence that happens within 72 hours of, and as a direct result of one of those insured events.
Some exclusions can apply, so check the PDS for all details.
Yes. You can get Building Insurance without Contents Insurance, and vice versa.
To get a quote, let us know how much you’d like to insure your home for. To get an idea of how much your building might be worth, try our calculator9.
We offer cover for items in your home, even if you accidentally leave a window or door unlocked.
Protect your home inside and out with combined Buildings and Contents Insurance. Your buildings and items will be covered for a range of incidents.
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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