Home Buildings and Contents Insurance Features

Our Combined Home Buildings and Contents Insurance covers you for more than you probably realise or expect. By combining your Home Contents Insurance with Home Buildings Insurance, you get the best of both worlds.

Discounts and rewards
We offer great home insurance discounts and rewards.
What’s in it for you? You can save on your policy as we reward your loyalty and your claim-free record. Plus if you’re 50 years or older you qualify for the additional benefits of Home@50.

Simplify and speed up claims
One payment, one excess, one renewal, one source of insurance to simplify and speed up claims.
What's in it for you? Less time spent on administration and more on the important things in life.

New for old replacement
We can replace your old belongings with new ones, up to the sum insured, no matter how old your things are. For example, if your two-year old TV is stolen, we’ll replace it with a new one.
What’s in it for you? While sometimes we can’t replace the exact item that you lost, we work with you to give you a suitable replacement.

24/7 Helpline
You have access to our Helpline assistance service, 24 hours a day, seven days a week, at no extra cost. Just call 132 900.
What’s in it for you? When things go wrong, we’re just a phone call away. We really are by your side.

Paperless 24/7 claims
If you need to make a home insurance claim, we’re available 24 hours a day, seven days a week, over the phone. No paperwork needed to lodge a claim.
What’s in it for you? When things go wrong, wherever you are, whatever the time, we’re just one phone call away.

Optional covers available
You can choose to pay more and increase your Combined Home Buildings and Contents policy to include cover for accidental damage, fusion (burn out) of electric motors, specified items inside your home and portable valuables.
What’s in it for you? You have all the cover you need.

Home calculators
Most people underestimate the value of their home buildings and contents which could be a costly mistake. Use our Home Insurance Calculators to help you work out how much it would cost to rebuild your home buildings and replace all your contents at today’s prices.
What’s in it for you?  You insure for the right amount for your home and possessions – not too much or too little.

Flexible payment and policy excess options
You can choose to pay annually, with cash, cheque, BPAY or credit card or monthly by direct debit. You also have a choice of basic excesses. You can reduce your premium by choosing a higher basic excess.
What’s in it for you? You choose the payment and excess options that suit you.

Replacement of your home
If your home is damaged or destroyed, we will repair or rebuild it up to the sum insured.
What’s in it for you? You get your home back to the way it was or you can choose to rebuild your home in another style, to the sum insured.

Temporary emergency accommodation
If your home is damaged by an insured event and we agree you can’t live in it, we’ll arrange and pay for temporary accommodation for you for up to 12 months while it gets repaired or rebuilt.
What’s in it for you? You have a roof over your head and we pay for agreed additional living expenses, the removal and storage of your home contents and their return.

Our Home Buildings and Contents Insurance policy also covers you for:

Liability cover

Cover for fire and storm damage

Theft or attempted theft

Impact damage

Home office/business equipment and furniture

Vandalism or malicious act.

There is also additional cover provided when we pay a claim:

Credit card theft from your home

Demolishing and removing debris

Reconnection of electrical components

Food spoilage

Funeral expenses

Guests' or visitors' belongings

Locating the cause of damage

Lock barrels and key replacement

Mortgagee discharge costs

Fees arising from rebuilding

Renovating or altering your home

For detailed information on this cover, please read the Product Disclosure Statement.