Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.
- Home
- Insurance
- Home Insurance
- Contents Only
- Comparison
Compare Contents Insurance
Protection for your most important items. Compare our 3 levels of cover for the contents of your home
Features and benefits
Classic |
Classic Extras |
Classic Advantages |
|
---|---|---|---|
Cover for the loss or damage to the contents of your home from events such as floods, storms, fires and theft. |
|
|
|
Optional |
Optional |
Optional |
|
|
|
Optional |
|
Optional |
Automatically included |
Automatically included |
|
Optional |
Automatically included |
Automatically included |
|
Optional |
Optional |
Optional |
|
Up to 10% of the general contents sum insured up to a period of 12 months |
Up to 10% of the general contents sum insured up to a period of 12 months |
Up to 10% of the general contents sum insured up to a period of 12 months |
|
Up to 10% of the general contents sum insured |
Up to 15% of the general contents sum insured |
Up to 20% of the general contents sum insured |
|
Up to $5,000 |
Up to $7,500 |
Up to $10,000 |
|
$5,000 |
$5,000 |
$5,000 |
|
Up to $500 |
Up to $1,000 |
Up to $2,000 |
|
|
Up to $1,000 |
Up to $1,500 |
|
|
Up to $1,500 |
Up to $2,000 |
|
Up to the general contents sum insured |
Up to the general contents sum insured |
Up to the general contents sum insured |
|
Up to $15,000 |
Up to $20,000 |
Up to $20,000 |
|
Up to $1,000 |
Up to $1,500 |
Up to $5,000 |
|
Up to $500 |
Up to $1,000 |
Up to $2,000 |
|
Up to $500 |
Up to $1,000 |
Up to $2,000 |
|
Up to $1,500 |
Up to $2,500 |
Up to $5,000 |
|
Up to 25% of the general contents sum insured for up to 180 days unless they are stored in a bank deposit box |
Up to 30% of the general contents sum insured for up to 180 days unless they are stored in a bank deposit box |
Up to 35% of the general contents sum insured for up to 180 days unless they are stored in a bank deposit box |
|
Up to the general contents sum insured |
Up to the general contents sum insured |
Up to the general contents sum insured |
|
|
|
Up to 12 weeks |
Contents with fixed limits
Some contents items have fixed limits in the home. You can increase your limit by selecting a higher level of cover.
Classic
Classic Extras
Classic Advantages
Tools of trade and equipment used for a business activity (not ‘Home office equipment’)
Classic
Up to $1,000 in total
Classic Extras
Up to $2,000 in total
Classic Advantages
Up to $5,000 in total
Home office equipment used for a business activity
Classic
Up to $10,000 in total
Classic Extras
Up to $15,000 in total
Classic Advantages
Up to $20,000 in total
Cash, smart cards, phone cards, documents able to be cashed or traded, vouchers, tickets, money orders or stamps (not in a set or collection)
Classic
Up to $300 in total
Classic Extras
Up to $400 in total
Classic Advantages
Up to $500 in total
Uncut and unset gems, gold or silver nuggets, bullion and ingots (not jewellery)
Classic
Up to $500 in total
Classic Extras
Up to $700 in total
Classic Advantages
Up to $1,000 in total
Refrigerated food, frozen food and medicines
Classic
Up to $500 in total
Classic Extras
Up to $1,000 in total
Classic Advantages
Up to $2,000 in total
Damage from physical injury or incident
We’ll cover you for loss or damage to and /or soiling of your contents as a result of physical assaults or death.
Fatal injury compensation
We’ll make a payment to your estate if you die within 12 months as a direct result of an event we cover occurring that also resulted in a claim for damage to your home being accepted.
Prevention of access when you have home cover
We’ll cover your reasonable temporary accommodation costs if your home becomes inaccessible from an incident such as burst water main (see PDS for full list of incidents).
Removal of debris
We’ll cover the cost to demolish and remove damaged parts of your home and remove debris from your insured address after an insured event.
Accidental damage at the home
We’ll cover loss or damage to your home that occurs without intent e.g. losing, breaking or damaging something.
Safety net home protection
This provides a buffer if the cost of repairing or replacing your home is more than the amount you insured it for. For example, with a 25% Safety Net, if your sum insured is $400,000, we’ll cover you for an additional $100,000 for a total of $500,000. An extra premium applies if you choose to add this option to your Classic cover, but if you choose Classic Extras or Classic Advantages cover, Safety Net is included automatically.
Prevention of access
We’ll cover your reasonable temporary accommodation costs if your home becomes inaccessible from an incident such as burst water main (see PDS for full list of incidents).
Exploratory costs where leak is not covered under insured event ‘Escape of liquid’
We’ll cover your costs to locate the source of liquid escaping or overflowing at the home and to repair and restore the damage to your home caused by exploratory work.
Security attendance fees
We’ll cover the fees charged by your security provider to respond to your monitored alarm if activated by a break in or attempted break in. Conditions apply.
Lock replacement
We’ll cover the costs to replace or recode your home’s external door or window locks if your keys are stolen anywhere in Australia or New Zealand.
Mortgage discharge costs
If we pay a claim for your home to a credit provider that fully repays your home loan we’ll pay the administrative and legal costs of discharging the mortgage or deleting the mortgagee from your home’s land title.
Environmental improvements
We’ll contribute to the costs associated with purchasing and installing environmental improvements such as rainwater tanks, solar systems or compost equipment. Conditions apply.
Damage to gardens and plants
We’ll cover the cost to replace trees, shrubs, plants, hedges and garden beds if they have been damaged as a result of an event we cover that also caused damage to your home at the same time for which we have accepted a claim.
Other repair/rebuilding costs
When we rebuild or repair your home we’ll cover extra costs for: the services of professionals such as architects or surveyors; temporary work required to make your home safe; and ensuring the damaged parts of your home comply with current building regulations.
Removal of debris
We’ll cover the cost to demolish and remove damaged parts of your home after an insured event.
Energy costs for loss of supply of renewable energy
If an event that we cover damages your home and we have accepted a claim and your green energy generation equipment is also damaged at the same time we’ll cover the increase in your electricity costs that you incur due to the damage to the green energy generation equipment.
Storage of undamaged contents
We’ll cover the cost of storing undamaged contents after an insured event.
Temporary accommodation costs
We’ll cover temporary accommodation costs if you aren’t able to live in your home due to an event that we cover causing damage to your home and making it unliveable. Conditions apply.
Personal valuables
You can cover your personal items that you would normally carry with you away from your home, such as jewellery, mobile phones and laptops. Check the PDS for the full list of items and how you can cover them.
Safety net home protection
If the cost to repair or replace your home is more than the sum insured you nominated by having this option on your policy we will pay an additional percentage of your home sum insured to repair or replace your home or pay you what it would have cost us to do this.
For example, with Safety net home protection on a Classic policy with a home sum insured of $400,000, we’ll pay up to a further 25% of your home sum insured (up to $100,000) towards the repair or replacement costs. An extra premium applies if you choose to add this to your Classic cover while if you have Classic Extras or Classic Advantages it is automatically included in your cover.
Collections, sets and memorabilia
Including stamps, stamp collections, collectors’ pins, medals and collectors’ non-negotiable currency.
Prevention of access when you have contents cover
We’ll cover your reasonable temporary accommodation costs if your home or unit becomes inaccessible from an incident such as a burst water main (see PDS for full list of incidents).
Contents in commercial storage
We’ll extend your contents cover to cover your contents stored in a secure commercial storage facility for loss or damage caused by an event we cover. Conditions apply.
Contents temporarily removed
We’ll cover your contents for loss or damage by an event we cover if they are temporarily removed to another residence in Australia in which you are temporarily residing (such as a hotel), or in a bank deposit box and an event occurs at this new location.
Financial transaction card cover
We’ll cover your loss if your credit cards or other financial transaction cards are stolen from the home and used fraudulently. Conditions apply.
Visitors’ contents
We’ll cover loss or damage to contents owned by invited visitors caused by an event we cover. Conditions apply.
Food and medication spoilage
We’ll cover spoilage of refrigerated food, frozen food and refrigerated medicines. Conditions apply.
Identity theft
We’ll cover costs to assist in re-establishing your personal credit history if you have been the victim of identity theft during the period of insurance.
Damage from physical injury or incident
We’ll cover you for loss or damage to and /or soiling of your contents as a result of physical assaults or death.
Contents in transit
We’ll give you limited cover for your contents when moving from one home to another.
Supplementary living expenses
We’ll cover you for reasonable increases in your normal living expenses to maintain your normal standard of living following an event that we cover if, as a result of the event, your insured address is unliveable.
Contents on common property
We’ll cover contents attached to common areas if your contents are insured in a unit.
Extra costs to re-establish important documents
If we accept a claim under your contents cover, we’ll cover your costs to replace documents, such as passports and licences, if they are also lost or damaged as a result of the event that occurred.
Fatal injury compensation
We’ll make a payment to your estate if you die within 12 months as a direct result of an event we cover occurring that also resulted in a claim for damage to your contents being accepted.
Paraplegia or quadriplegia assistance
We’ll pay reasonable and necessary costs to modify your home or assist you to relocate to a new residence if you are injured as a direct result of an event that we cover where we have accepted a claim to your home for that event.
Removal of debris
We’ll cover the cost to dispose of your damaged contents after an event that we cover.
Temporary accommodation for tenants or strata title owners
We’ll cover temporary accommodation costs if you aren’t able to live at the insured address due to an event that we cover causing damage to the home and making it unliveable. Conditions apply.
Injury to pet dogs and cats
If a pet dog or cat shown on your certificate of insurance is injured in an accident, we’ll pay for necessary veterinary treatment (up to $500 per accident). Extra premium and excess applies.
Motor burnout
We cover the burning out or fusing of electric motors that are part of your home and less than 11 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges. An extra premium applies if you choose to add this to your Classic cover while if you have Classic Extras or Classic Advantages it is automatically included in your cover.
Accidental damage at the home
We’ll cover loss or damage to your contents that occurs without intent e.g. losing, breaking or damaging something.
Portable advantages
Cover your:
- contents for accidental loss or damage anywhere in Australia or New Zealand when they are temporarily removed from the insured address (up to 180 consecutive days); or
- jewellery and watches when they are outside Australia and New Zealand for up to 100 consecutive days (but only when worn by you or secured in a safe).
We don’t offer this feature online – call us on 13 11 55 to find out more. Extra premium applies.
Personal valuables
Cover for personal valuables you would normally carry with you away from your home, such as jewellery, mobile phones and laptops. Check the PDS for the full list of items and how you can cover them.
Legal liability
We’ll cover your legal liability to pay compensation for death or bodily injury to other people; or loss or damage to their property which happens at the insured address in connection with your building, your contents or common areas.
Accidental damage at the property
We’ll cover loss or damage to your property or contents that occurs without intent e.g. losing, breaking or damaging something. Conditions apply.
Motor burnout
We’ll cover the repair or replacement of burnt out or fused electric motors less than 11 years old, such as in the refrigerator, pool pump and washing machine. Available for both property and contents covers.
Safety net protection
If the cost to repair or replace your property is more than the sum insured you nominated by having this option on your policy we will pay an additional percentage of your property sum insured to repair or replace your property or pay you what it would have cost us to do this.
Accidental damage at the home
We will cover loss or damage that occurs without intent (i.e. losing, breaking or damaging something)
Net costs
Net cost is the amount you spend after deducting any government subsidy to which you are entitled to at the date of the loss, whether you claim this subsidy or not. You must supply us with proof of the amount you spent before we will pay you.
Contents with flexible limits
Some contents have flexible limits in the home. You can choose a higher level of cover to increase the limit or you can choose to specify these items individually for their full replacement value.
Classic
Classic Extras
Classic Advantages
Jewellery and watches
Classic
$1,000 per item or set up to $4,000 in total
Classic Extras
$2,500 per item or set up to $10,000 in total
Classic Advantages
$10,000 per item or set up to $40,000 in total
Carpets or rugs that are handwoven
Classic
$2,000 per item
Classic Extras
$5,000 per item
Classic Advantages
Contents sum insured
Paintings, pictures, works of art, antiques, sculptures, ornaments and art objects
Classic
$10,000 per item or set up to $50,000 in total
Classic Extras
$20,000 per item or set up to $80,000 in total
Classic Advantages
$200,000 in total
Classic
$2,000 per item
Classic Extras
$5,000 in total
Classic Advantages
$50,000 in total
Damage from physical injury or incident
We’ll cover you for loss or damage to and /or soiling of your contents as a result of physical assaults or death.
Fatal injury compensation
We’ll make a payment to your estate if you die within 12 months as a direct result of an event we cover occurring that also resulted in a claim for damage to your home being accepted.
Prevention of access when you have home cover
We’ll cover your reasonable temporary accommodation costs if your home becomes inaccessible from an incident such as burst water main (see PDS for full list of incidents).
Removal of debris
We’ll cover the cost to demolish and remove damaged parts of your home and remove debris from your insured address after an insured event.
Accidental damage at the home
We’ll cover loss or damage to your home that occurs without intent e.g. losing, breaking or damaging something.
Safety net home protection
This provides a buffer if the cost of repairing or replacing your home is more than the amount you insured it for. For example, with a 25% Safety Net, if your sum insured is $400,000, we’ll cover you for an additional $100,000 for a total of $500,000. An extra premium applies if you choose to add this option to your Classic cover, but if you choose Classic Extras or Classic Advantages cover, Safety Net is included automatically.
Prevention of access
We’ll cover your reasonable temporary accommodation costs if your home becomes inaccessible from an incident such as burst water main (see PDS for full list of incidents).
Exploratory costs where leak is not covered under insured event ‘Escape of liquid’
We’ll cover your costs to locate the source of liquid escaping or overflowing at the home and to repair and restore the damage to your home caused by exploratory work.
Security attendance fees
We’ll cover the fees charged by your security provider to respond to your monitored alarm if activated by a break in or attempted break in. Conditions apply.
Lock replacement
We’ll cover the costs to replace or recode your home’s external door or window locks if your keys are stolen anywhere in Australia or New Zealand.
Mortgage discharge costs
If we pay a claim for your home to a credit provider that fully repays your home loan we’ll pay the administrative and legal costs of discharging the mortgage or deleting the mortgagee from your home’s land title.
Environmental improvements
We’ll contribute to the costs associated with purchasing and installing environmental improvements such as rainwater tanks, solar systems or compost equipment. Conditions apply.
Damage to gardens and plants
We’ll cover the cost to replace trees, shrubs, plants, hedges and garden beds if they have been damaged as a result of an event we cover that also caused damage to your home at the same time for which we have accepted a claim.
Other repair/rebuilding costs
When we rebuild or repair your home we’ll cover extra costs for: the services of professionals such as architects or surveyors; temporary work required to make your home safe; and ensuring the damaged parts of your home comply with current building regulations.
Removal of debris
We’ll cover the cost to demolish and remove damaged parts of your home after an insured event.
Energy costs for loss of supply of renewable energy
If an event that we cover damages your home and we have accepted a claim and your green energy generation equipment is also damaged at the same time we’ll cover the increase in your electricity costs that you incur due to the damage to the green energy generation equipment.
Storage of undamaged contents
We’ll cover the cost of storing undamaged contents after an insured event.
Temporary accommodation costs
We’ll cover temporary accommodation costs if you aren’t able to live in your home due to an event that we cover causing damage to your home and making it unliveable. Conditions apply.
Personal valuables
You can cover your personal items that you would normally carry with you away from your home, such as jewellery, mobile phones and laptops. Check the PDS for the full list of items and how you can cover them.
Safety net home protection
If the cost to repair or replace your home is more than the sum insured you nominated by having this option on your policy we will pay an additional percentage of your home sum insured to repair or replace your home or pay you what it would have cost us to do this.
For example, with Safety net home protection on a Classic policy with a home sum insured of $400,000, we’ll pay up to a further 25% of your home sum insured (up to $100,000) towards the repair or replacement costs. An extra premium applies if you choose to add this to your Classic cover while if you have Classic Extras or Classic Advantages it is automatically included in your cover.
Collections, sets and memorabilia
Including stamps, stamp collections, collectors’ pins, medals and collectors’ non-negotiable currency.
Prevention of access when you have contents cover
We’ll cover your reasonable temporary accommodation costs if your home or unit becomes inaccessible from an incident such as a burst water main (see PDS for full list of incidents).
Contents in commercial storage
We’ll extend your contents cover to cover your contents stored in a secure commercial storage facility for loss or damage caused by an event we cover. Conditions apply.
Contents temporarily removed
We’ll cover your contents for loss or damage by an event we cover if they are temporarily removed to another residence in Australia in which you are temporarily residing (such as a hotel), or in a bank deposit box and an event occurs at this new location.
Financial transaction card cover
We’ll cover your loss if your credit cards or other financial transaction cards are stolen from the home and used fraudulently. Conditions apply.
Visitors’ contents
We’ll cover loss or damage to contents owned by invited visitors caused by an event we cover. Conditions apply.
Food and medication spoilage
We’ll cover spoilage of refrigerated food, frozen food and refrigerated medicines. Conditions apply.
Identity theft
We’ll cover costs to assist in re-establishing your personal credit history if you have been the victim of identity theft during the period of insurance.
Damage from physical injury or incident
We’ll cover you for loss or damage to and /or soiling of your contents as a result of physical assaults or death.
Contents in transit
We’ll give you limited cover for your contents when moving from one home to another.
Supplementary living expenses
We’ll cover you for reasonable increases in your normal living expenses to maintain your normal standard of living following an event that we cover if, as a result of the event, your insured address is unliveable.
Contents on common property
We’ll cover contents attached to common areas if your contents are insured in a unit.
Extra costs to re-establish important documents
If we accept a claim under your contents cover, we’ll cover your costs to replace documents, such as passports and licences, if they are also lost or damaged as a result of the event that occurred.
Fatal injury compensation
We’ll make a payment to your estate if you die within 12 months as a direct result of an event we cover occurring that also resulted in a claim for damage to your contents being accepted.
Paraplegia or quadriplegia assistance
We’ll pay reasonable and necessary costs to modify your home or assist you to relocate to a new residence if you are injured as a direct result of an event that we cover where we have accepted a claim to your home for that event.
Removal of debris
We’ll cover the cost to dispose of your damaged contents after an event that we cover.
Temporary accommodation for tenants or strata title owners
We’ll cover temporary accommodation costs if you aren’t able to live at the insured address due to an event that we cover causing damage to the home and making it unliveable. Conditions apply.
Injury to pet dogs and cats
If a pet dog or cat shown on your certificate of insurance is injured in an accident, we’ll pay for necessary veterinary treatment (up to $500 per accident). Extra premium and excess applies.
Motor burnout
We cover the burning out or fusing of electric motors that are part of your home and less than 11 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges. An extra premium applies if you choose to add this to your Classic cover while if you have Classic Extras or Classic Advantages it is automatically included in your cover.
Accidental damage at the home
We’ll cover loss or damage to your contents that occurs without intent e.g. losing, breaking or damaging something.
Portable advantages
Cover your:
- contents for accidental loss or damage anywhere in Australia or New Zealand when they are temporarily removed from the insured address (up to 180 consecutive days); or
- jewellery and watches when they are outside Australia and New Zealand for up to 100 consecutive days (but only when worn by you or secured in a safe).
We don’t offer this feature online – call us on 13 11 55 to find out more. Extra premium applies.
Personal valuables
Cover for personal valuables you would normally carry with you away from your home, such as jewellery, mobile phones and laptops. Check the PDS for the full list of items and how you can cover them.
Legal liability
We’ll cover your legal liability to pay compensation for death or bodily injury to other people; or loss or damage to their property which happens at the insured address in connection with your building, your contents or common areas.
Accidental damage at the property
We’ll cover loss or damage to your property or contents that occurs without intent e.g. losing, breaking or damaging something. Conditions apply.
Motor burnout
We’ll cover the repair or replacement of burnt out or fused electric motors less than 11 years old, such as in the refrigerator, pool pump and washing machine. Available for both property and contents covers.
Safety net protection
If the cost to repair or replace your property is more than the sum insured you nominated by having this option on your policy we will pay an additional percentage of your property sum insured to repair or replace your property or pay you what it would have cost us to do this.
Accidental damage at the home
We will cover loss or damage that occurs without intent (i.e. losing, breaking or damaging something)
Net costs
Net cost is the amount you spend after deducting any government subsidy to which you are entitled to at the date of the loss, whether you claim this subsidy or not. You must supply us with proof of the amount you spent before we will pay you.
Want to know more?
This is just a summary, for full details of what is and isn't covered please refer to the Home & Contents Insurance Product Disclosure Statement (PDS)