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
What's included
Even if you forget to lock up
Theft & vandalism
We cover your items if they’re stolen or damaged by vandalism or attempted theft.
Fire
We cover damage to your items caused by fire (including bushfire).
Flood, rainwater run-off & storm surge
We cover damage to your items caused by flood, rainwater run-off and storm surge1.
Lightning
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.
Temporary accommodation
If your home can’t be lived in after a covered event, we pay for temporary accommodation (for up to a year)2.
Optional extras
Optional benefits
Optional extras
Optional benefits
Add these when you get a quote
Accidental damage
Add cover for damage to your items from unintentional mishaps in your home8.
Motor burnout
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.
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 home9.
Not included
There are some things we don't cover
Safety net
We only cover your contents up to the insured amount. With Home Plus we pay an extra 25% if that’s not enough.
Permanent fixtures
Unless your home is part of a strata scheme, we don’t cover things you own that are permanently attached to your home, see Buildings & Contents for that.
Policy booklets
For full details including limits, conditions and exclusions, read these policy documents
Only need cover for one or two items?
With over 90 years’ experience, we know how to protect the things you care about
Do you know how much it would cost to replace the contents in your home?
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 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
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, like 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.
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.
How do I get insurance cover for my contents if I house share?
If you live in a share house you can either take out a policy as a group and all be listed on the policy or you can take out your own policy.
We only provide cover for the contents that are owned by the people that are listed on the policy. The amount you want to insure for should represent those items.
Can I get Contents Insurance if I’m renting?
Yes, even if you don’t own the place you’re living in, you can still protect the things inside it (like your furniture, TV and clothes).
You can be covered if things go wrong, like if your belongings get stolen or damaged in a fire.
Renters’ Contents Insurance (also known as Home Contents Insurance) is for people that want to cover their belongings, but don't want any cover for buildings.
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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If you need help, you can talk to us. Call 132 132 (7am–10pm)