What's included in the cover


  • Fire

  • Flood

  • Storm

  • Theft

  • Vandalism

  • Water damage

  • Glass breakage

  • Temporary accommodation

  • Essential temporary repairs

  • Legal liability

Not Included

  • Contents (choose from Contents or Home and Contents cover)

  • Accidental damage

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Ways to save

Want more value from your home and contents insurance? Consider:

  • Flexible excess: Increase or decrease your excess to suit your needs
  • Pay up front: Pay less when you choose an annual premium
  • Security discount: Save money when you fit security devices that meet our minimum standards like alarms and deadlocks
  • Over 50s discount: Pay a lower premium if you’re over 50
Home Prestige

Home Prestige insurance 

Want the added peace of mind that comes with our highest level of cover? With Home Prestige you’ll enjoy a range of extra benefits, including accidental damage cover, higher limits across selected items and cover for contents outside the home (if you’re insuring your contents). You can choose our Prestige cover for your home, your contents, or opt for a combined home and contents policy.


Find out more

Four risks to your home, and how to combat them

Four risks to your home, and how to combat them

Your home is more than just four walls – it’s a sanctuary for you and your loved ones. And chances are it didn’t come cheap. Understanding the risks your home faces will help you protect it.

Home owners: how to avoid underinsurance

Home owners: how to avoid underinsurance

You know how important it is to insure your home and belongings, but are you sure you’ve got enough cover? We provide online insurance calculators to help you figure out how much cover you need (your ‘sum insured’).

Insurance calculators

Insurance calculators

It's easy to underestimate the cost of rebuilding your home or replacing its contents. Our insurance calculators will help you figure out how much cover you need (your 'sum insured').

Building cover - Frequently Asked Questions

You're covered for loss or damage caused by 'defined events'. For details of these events, refer to the Product Disclosure Statement and your Policy Schedule.

Carpets and blinds are covered by contents insurance. To cover your home and contents go to Home and Contents insurance.

Yes. For more information, please refer to your Product Disclosure Statement and Policy Schedule.

If your property is furnished you’ll be covered if you’re away for up to 60 days. If your property is unfurnished, you’ll be covered for up to 30 days. If your property will be unoccupied for a longer period you’ll need to contact us. Other restrictions on cover may apply. You’ll find more information about this in the Product Disclosure Statement and your Policy Schedule.

A certificate of currency is a document that states the details of your cover and, where applicable, will confirm the interests if your financier are noted on your Policy Schedule. To request a certificate of currency, call us on 133 723.

Your policy can start when your Certificate of Handover is provided by your builder. You can get a quote online or call us on 133 723 to arrange cover.

Yes, as part of your sum insured. You're covered for debris removal if we need to repair, replace or rebuild your home. You need to make sure you've allowed for this cost when setting your sum insured.

Our home insurance calculator can help you to assess the value of your contents.

The Building Sum Insured Safeguard is all about peace of mind. If your home is a total loss and you’ve used our home insurance calculator correctly – but your estimate has fallen short – we’ll cover you for up to 30% more than your sum insured. You’ll need to provide a copy of your Building Replacement Estimate in the event of a claim so please download and save a copy of the full report and keep a printed copy in an offsite location.

The Safeguard benefit also protects your sum insured if the increased cost of repair over and above your sum insured was directly caused by a catastrophic event. You can find more information about this benefit in your Product Disclosure Statement and Policy Schedule.

The advice on this website has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the Product Disclosure Statement for the policy before you make any decision to acquire it.

Need more help?

Call us at 133 723

Mon-Fri 8am-7pm, Sat 8am-1:30pm (AEST)