Home & Contents Insurance

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.

Your carpets and blinds are covered by your contents insurance.

Not automatically. This is an option you can select at an additional cost.

There are certain limits for particular high risk items. If you have an item that exceeds this limit, you need to specifically list the item on your policy. We’ll usually need valuations, receipts or serial numbers as proof of ownership in the event of a claim. You’ll find more information about this in your Product Disclosure Statement and Policy Schedule.

There are two types of specified items. ‘Specified contents’ are items covered inside your home. It doesn’t cost extra to specify these on your policy.

‘Specified portable contents’ items have additional cover away from home if you choose this option. For more information on the limits that apply to your policy, refer to your Product Disclosure Statement and Policy Schedule.

No. To protect your personal valuables away from home, you'll need to get Portable Contents insurance. This covers accidental loss or damage anywhere in Australia and New Zealand, and can be extended to include worldwide cover.

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

If your house will be unoccupied for more than 60 days, you should contact us to continue your cover. Other restrictions on cover may apply. You’ll find more information about this in your Product Disclosure Statement and Policy Schedule.

A certificate of currency is a document that states the details of your cover and, where applicable, will confirm the interests of 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.

Use our home and contents insurance calculators to assess the value of your home and its 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. More information regarding this benefit can be found in your Product Disclosure Statement and Policy Schedule.