Home Contents Insurance
Home insurance that's great for both renters and owners - it covers the things in your home for fire, theft and more
Home insurance that's great for both renters and owners to cover the things in your home for theft, fire damage and more
Home Contents Insurance
Even if you forget to lock up
Theft & vandalism
We cover your items if they’re stolen or damaged by vandalism or attempted theft.
We cover damage to your items caused by fire (including bushfire).
Flood, rainwater run-off & storm surge
We cover damage and power surges caused by lightning.
Damage to landlord's property
If you’re renting, we cover your liability in some situations for damage to your landlord’s property.
If your home can’t be lived in after a covered event, we pay for temporary accommodation (for up to a year)2.
Water & oil leaks
We cover damage to your items caused by water and oil leaks3, like from a burst pipe.
We cover accidentally broken glass in mirrors, picture frames, lights and more4.
No excess for food spoilage
If your fridge stops working after a covered event, we pay for spoiled food and prescription medicine.
Your liability away from your home
We cover legal liability in some situations if you injure someone or damage property away from your home5 (up to $20m).
We pay for damage caused by impacts from things like vehicles and trees6.
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 your items from unintentional mishaps in your home7.
Add cover for electric motor fusion8 in things like fridges and washing machines, 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 home9.
There are some things we don't cover
For full details including limits, conditions and exclusions, read these policy documents
Only need cover for one or two items?
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 repair or replace your items (if you need it)
- Automatic cover for accidental damage to your things
- Automatic cover for electric motor burnout or fusion in things like fridges and washing machines
- Up to $5,000 for legal costs and replacement documents if your identity’s stolen.
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.
If you’re renting the home (a tenant), we pay the reasonable extra rent costs for temporary accommodation. If you own and live in your home, we cover the reasonable costs of temporary accommodation.
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.
Cover applies if the incident happens away from your home but still in Australia.
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.
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