Building and Contents

Cover for the inside and out.


Sleep soundly

We know that your home is your world. It's full of memories, and of all the stuff you love. We know it can be hard to sleep at night when you don't know if you're protecting it the best that you can. That's why we're here.

We know that your home, and everything in it, has its rightful place. We know that you do all you can to look after these things. And we do everything we can to give you great insurance at a great price, so that when things go wrong, which they sometimes do, you can sleep soundly knowing you’re taken care of.

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What's Included?

Our building and contents insurance comes packed with lots of features to make sure your home is protected inside and out.

Cover for loss or damage to your building and contents caused by theft, attempted theft or burglary. 

We’ll cover your building and contents against damage caused by accidental fire. We’ll also cover your contents for soot and smoke damage caused by bushfire.

Cover for loss or damage to your building and contents caused by earthquake.

Cover for loss or damage caused by accidental explosion.

Loss or damage caused by riot or civil commotion is covered as standard.

We’ll cover your building and contents against loss or damage caused by storm, including lightning, wind, hail and snow.

Flood cover is included as standard with your Home policy.

Cover for loss or damage caused by escaping water.

You’re covered if your building and contents are lost or damaged due to impact.

Loss or damage to your building and contents that is caused intentionally by any one not living at the premises is automatically covered.

We’ve got you covered to the tune of $20 million for your legal liability, be it civil or reparation, to pay damages due to a claim for an accident that results in damage to someone else’s property.  There is also up to $1 million cover for your legal liability to pay damages arising from accidental death or bodily injury.

Cover for the reasonable cost of emergency repairs to make the building safe and secure and prevent further loss or damage.

If you can’t live at your home due to an insured event we’ll pay the costs for your temporary accommodation for up to 12 months.

Up to 20% of the building sum insured to pay any associated clean up and professional costs.

Up to $5,000 to modify your home if you or a member of your household is impaired by permanent quadriplegia or paraplegia as a result of an insured event.

We’ll pay $5,000 to you or your estate towards funeral expenses if you or a household member dies as a result of an insured event.

Cover for loss or damage up to the tune of $2,500 for contents kept outside on your property.

Up to $250 per household member, up to a maximum of 6 people, to replace perishable food or medicines that are lost or damaged as the result of an insured event.

We’ll pay for the reasonable cost of repairing or replacing burnt out electric motors caused by mechanical, electrical or electronic failure.

This covers the cost of replacing your broken glass or ceramics up to a value of 10% of the amount your contents are insured for.

We’ll pay up to $500 for replacement keys and locks if the keys to your home are stolen.

We’ll cover your contents if they are lost or damaged due to a motor accident or fire whilst they are in the truck of a professional removalist.

If you’re moving home we’ll automatically cover your contents at your new address for up to 14 days.

Hit a hole-in-one or bowl a full house at an official club competition or break an officially recognised international sporting award and we’ll give you $200.

If you, or a member of your immediate family, are lucky enough to give birth to twins (or more!) we’ll give you $100 per baby.

Up to $1,500 per household member to cover the cost of counselling sessions after a claim.

What's optional?

Your home and everything in it is unique, so if there's something you want to protect that's not automatically included, then browse through our range of optional extras.

Cover for your contents against accidental loss or damage, at or away from your home – no matter where you take them.

Cover for your Buildings up to your sum insured for damage caused accidently.

Protect up to $20,000 worth of contents in storage against loss or damage caused by fire, earthquake, explosion, riot, storm, impact and intentional damage.

Protect your livelihood with up to $5000 cover for your business items if they are lost or damaged as the result of an insured event.

Up to $1000 towards vet fees if your cat or dog is injured due to an accident.      

Want to learn more? Check out the Policy Wording for full cover details.


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We'll Take Care of You

As many good days as there are, we all have some not-so-good days, too. Our claims team is dedicated to taking care of you, every step of the way

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Ask Us Anything

We love questions, because if something is important to you, then it’s important to us that we get it right. Browse our FAQs or ask us anything here

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