Home Insurance

Getting home insurance is on the top of many people's lists. After all, getting the right cover means that you are covered in the event that something happens to your personal possessions, or even the entire building (building cover is especially used by landlords).

You MUST apply through this site to guarantee any rate, spread, fee or margin listed

There are lots of cover options, so take your time and make sure you go with the type which suits your personal situation. For example, you might specifically need cover away from home – for people who travel a lot and want to make sure that their home/home contents are safe in the interim. Or, you might have kids and want to make sure that you cover your valuables against breakages or damage.

Need Help? If you would like further information and wish to speak to someone: Contact Us >>

COMPANY	POLICY	COST	EXCESS	COVER	ACCIDENTAL	FUSION	PROTECTION	FLOOD	VALUABLES	MORE INFO
Commonwealth Bank Group	Residential home package	Dependent on circumstances	$100 - $200	Type Cover Type Building Cover and Contents Cover Level Cover Level Building, contents and personal valuables Detail Cover Detail Buildings cover 1. Total Building Replacement Cover Legal liability cover 2. Demolition and debris removal costs 3. Replacement of locks or keys 4. Mortgage discharge and new title deed costs 5. Professional fees Buildings materials 6. Construction materials Emergency work and temporary repairs, Landscaping rectification costs, Matching of materials used to repair building damage 7. Alternative accommodation costs. Contents cover 1. New for old replacement for many contents items. 2. Visitors property 3. Alternative accommodation costs 4. Legal liability cover 5. Demolition and debris removal costs 6. Replacement of locks or keys 7. Emergency work and temporary repairs 8. Moving within Australia	Available with restrictions	Normally $500	See terms and conditions	Flash flooding only	Cover available
Commonwealth Bank Group	The Commmonwealth Residential Home Package provides insurance for your building plus new for old contents cover. This package has many practical and flexible features including the ability to remove options, like theft or fusion and power surge, to reduce the premium. This package also includes options such as accidental damage and personal valuables cover. DETAIL INFORMATION >>									Services Services 1. Cover is available for building, contents and personal valuables. 2. You can pay monthly or annually. Restrictions Restrictions See website for terms and conditions Advantages Advantages 1. Building, contents and personal valuables cover. 2. Removable options to reduce the premium include theft, accidental glass breakage and power surge. 3. Peace of mind via new-for-old contents replacement cover. 4. Optional cover such as accidental damage or personal valuables cover. 5. Make payments when it suits you – monthly or yearly. Disadvantages Disadvantages 1. All contents including specified contents are not covered outside of the insured address. 2. One of the general exclusions is wear and tear and lack of maintenance including rust, corrosion and deterioration. 3. There are general exclusions which apply to the overall policy. 4. There are limits on the amount they will cover for certain contents items.
AAMI	Renter	Dependent on circumstances	Standard	Type Cover Type Fire and Theft Home Contents Level Cover Level Contents Detail Cover Detail The contents coveedr are items used for domestic or residential purposes, and which are: kept within your home, not permanently attached to your building, and owned by you or for which you are legally liable.	Covered	Not covered	See terms and conditions	Not covered	Limited cover
AAMI	The AAMI Renters Insurance is a low cost insurance which is suitable for people in shared accommodation or renters. It covers you for the two most frequent events for which you may need contents insurance protection, fire and theft. This policy is designed so that you do not have to pay for features which may not be applicable to you. DETAIL INFORMATION >>									Services Services 1. You can choose to pay your premium monthly or annually, Restrictions Restrictions If the replacement value of your contents is higher than the $25,000 maximum cover provided under this policy, or you want wider cover for them, you should consider insuring them under the AAMI Home Contents Policy. Advantages Advantages 1. Flexible payment options 2. Easy share accommodation insurance 3. One point of contact 4. New for old replacement 5. Up to $25,000 (new for old), against fire and theft while they are within your home. Disadvantages Disadvantages 1. See website for contents they do not cover. 2. There is a limit for the amount of contents they do cover
Suncorp	Classic Home & Contents Insurance	Dependent on circumstances	Ask on application	Type Cover Type Home and Contents Insurance Level Cover Level Standard Detail Cover Detail You are covered against loss or damage as a result of 12 Insured Events. Some of these include: 1. Storm and flood 2. Fire Lightning 3. Burst pipes, leaks, and overflows 4. Theft and damage.	Optional cover	Not covered	See terms and conditions	Automatic cover	Cover available
Suncorp	The Suncorp Classic Home and Contents Insurance have several features and benefits incase anything unexpected happens to your home. You can relax knowing that you are covered against loss or damage as a result of 12 Insured Events, some of these include Storm and Flood, Fire , Lightning, Theft and damage. They also provide you with automatic flood cover for all types of flood caused by rain. DETAIL INFORMATION >>									Services Services 1. Automatic flood cover 2. Eco-friendly insurance features 3. Tailor your Insurance cover to suit your needs with the choice of 6 Optional Covers 4. Online home calculator Restrictions Restrictions See website for terms and conditions Advantages Advantages 1. Suncorp includes a number of Additional Features at no extra cost, such as: Removal of debris Extra costs to comply with the latest home building regulations Temporary accommodation costs during repairs for up to 12 months Cover for uninsured visitor's contents when your contents are insured Legal Liability cover up to $20 million 2. Suncorp guarantees the quality of materials and workmanship of home repairs that they authorise and arrange for the lifetime of your home. 3. When you make a claim for both home and contents for the same event, you only have to pay one excess. 4. There are no claim forms to fill in when you make a claim Disadvantages Disadvantages 1. The monthly fee is 15% of the premium for the period of insurance 2. If you cancel your cover in the period of insurance they will charge you a fee of $30 3. The most they will pay for any one insured incident is the sum insured shown on your certificate of insurance unless a limit applies 4. See website for restrictions