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Home Insurance

Contents Insurance

Protect the things that make your house a home with our contents insurance.

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INCLUDED

24/7 Emergency claims assistance

Because you never know what’s going to happen or when.

INCLUDED

Flexible Excess

Looking for another way to save on your insurance? Choose an excess that works better for your back pocket.

INCLUDED

Counselling Services

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

Cover & stuff.

Your stuff's not just stuff. It's important to you, so it's important to us. Our contents insurance is designed to protect the things that matter most to you - but it doesn't just protect your belongings. It also looks out for you, with features like temporary accommodation, cover while you move and counseling sessions if you're involved in an insured event.

So when it comes to protecting your belongings, give us a call. We're always happy to chat about cover and stuff.

PDS Compare Products / Key Fact Sheet

What's included?

Theft

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

Fire

We’ll cover your contents against damage caused by accidental fire as well as soot and smoke damage caused by bushfire.

Earthquake

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

Explosion

Cover for loss or damage caused by accidental explosion.

Riot

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

Storm

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

Flood

Flood cover is included as standard with your Contents policy.

Escaping Water

Cover for loss or damage caused by escaping water.

Impact

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

Intentional Damage

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

Animal Damage

Cover for loss or damage to your home or contents caused by an animal.

Legal Liability

We’ve got you covered to the tune of $20million for your legal liability to pay damages due to a claim for an accident that results in death, bodily injury or damage to someone else’s property.

Temporary Accommodation

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.

Storage of Undamaged Contents

Cover to store any undamaged contents until they can be returned to the premises.

Burnout of Electric Motors

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

Broken Glass and Ceramics

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.

Contents Outside

Cover for loss or damage to contents kept outside on your property up to a maximum of $20,000.

Contents in Transit

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.

Tenants Liability

If you’re renting and your landlord’s fitted carpets, fixtures or fittings are lost or damaged due to an insured event we’ll cover the cost to repair or replace them so you don’t have to.

Food Spoilage

$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.

Funeral Expenses

We’ll pay $5000 to you or your estate towards funeral expenses if you or a household member dies as a result of an insured event.

Damage from Injury or Incident

In certain circumstances we will pay up to $10,000 for damage to, or soiling of, your home or contents. Read the PDS for more info.

Vehicle Spare Parts and Accessories

Up to $500 to cover loss or damage, as a result of an insured event, to spare parts and tools, as long as they are not on or in a vehicle.

Multiple Births

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.

Sporting Awards

If you have contents cover and hit a hole-in-one at an official golf club competition or break an officially recognised international sporting award, we’ll give you $200.

Counselling Services

Need mental health services? Youi covers up to $1,500 per household member for counselling sessions after a claim.

Guests' Contents

Up to $1000 of cover for loss or damage to your guests' contents as a result of an insured event.

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

We’ll cover your contents against damage caused by accidental fire as well as soot and smoke damage caused by bushfire.

Cover for loss or damage to your 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 contents against loss or damage caused by storm, including lightning, wind, hail and snow.

Flood cover is included as standard with your Contents policy.

Cover for loss or damage caused by escaping water.

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

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

Cover for loss or damage to your home or contents caused by an animal.

We’ve got you covered to the tune of $20million for your legal liability to pay damages due to a claim for an accident that results in death, bodily injury or damage to someone else’s property.

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.

Cover to store any undamaged contents until they can be returned to the premises.

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.

Cover for loss or damage to contents kept outside on your property up to a maximum of $20,000.

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 renting and your landlord’s fitted carpets, fixtures or fittings are lost or damaged due to an insured event we’ll cover the cost to repair or replace them so you don’t have 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 $5000 to you or your estate towards funeral expenses if you or a household member dies as a result of an insured event.

In certain circumstances we will pay up to $10,000 for damage to, or soiling of, your home or contents. Read the PDS for more info.

Up to $500 to cover loss or damage, as a result of an insured event, to spare parts and tools, as long as they are not on or in a vehicle.

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.

If you have contents cover and hit a hole-in-one at an official golf club competition or break an officially recognised international sporting award, we’ll give you $200.

Need mental health services? Youi covers up to $1,500 per household member for counselling sessions after a claim.

Up to $1000 of cover for loss or damage to your guests' contents as a result of an insured event.

What's optional?

Choose from a range of optional covers to add more protection for the things that matter to you.

Contents Accidental Loss or Damage

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

Business Items

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.

Pet Injury

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

Contents in Commercial Storage

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.

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

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.

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.