Compare Home Building Insurance

Compare our 3 levels of cover available for your home.

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First Year Online Discount*

Covers and benefits

Classic

Classic Extras

Classic Advantages

Cover for loss or damage to your home, garages and sheds from events such as floods, storms, fires and theft#^

Classic

Classic Extras

Classic Advantages

Classic

Optional

We pay up to a further 25% of the home sum insured

Classic Extras

Automatically  included

We pay up to a further 25% of the home sum insured

Classic Advantages

Automatically included

We pay up to a further 30% of the home sum insured

Classic

Optional

Classic Extras

Automatically included

Classic Advantages

Automatically included

Classic

Optional

Classic Extras

Automatically included

Classic Advantages

Automatically included

Classic

Up to 10% of home sum insured

Classic Extras

Up to 10% of home sum insured

Classic Advantages

Up to 15% of home sum insured

Classic

Optional

Classic Extras

Optional

Classic Advantages

Optional

Classic

Optional

Classic Extras

Optional

Classic Advantages

Optional

Classic

Classic Extras

Up to $1,500

Classic Advantages

Up to $2,000

Classic

10% of the home sum insured

Classic Extras

15% of the home sum insured

Classic Advantages

20% of the home sum insured

Classic

Up to 10% of the home sum insured

Classic Extras

Up to 15% of the home sum insured

Classic Advantages

Up to 20% of the home sum insured

Classic

Classic Extras

$500 per quarter for up to 4 quarters

Classic Advantages

$750 per quarter for up to 4 quarters

Classic

Classic Extras

Up to $1,000

Classic Advantages

Up to $2,000 

Classic

Up to $1,000

Classic Extras

Up to $1,500

Classic Advantages

Up to $2,000

Classic

Up to $500

Classic Extras

Up to $1,000

Classic Advantages

Up to $2,500

Classic

Classic Extras

Classic Advantages

Up to $2,500

Classic

Up to $1,500

Classic Extras

Up to $2,000

Classic Advantages

Up to $2,500

Classic

Classic Extras

Classic Advantages

Up to 12 weeks 

Classic

Up to $20,000

Classic Extras

Up to $20,000

Classic Advantages

Up to $20,000

Classic

$5,000 

Classic Extras

$5,000

Classic Advantages

$5,000

Classic

Up to $20,000

Classic Extras

Up to $20,000

Classic Advantages

Up to $20,000

Classic

Automatically included

Classic Extras

Automatically included

Classic Advantages

Automatically included

Flood

Flood means the covering of normally dry land by water that has escaped or been released from the normal confines of things like a lake, river, reservoir, canal or other natural watercourse.

Actions or movements of the sea or storm surge are not covered. Some things we don't cover are damage to retaining walls, jetties, pontoons and garden borders.

Storm

Storm means a storm, cyclone or severe atmospheric disturbance. It can be accompanied by strong winds, rain, lightning, hail, snow, or dust.

It includes loss or damage caused by a landslide or subsidence within 72 hours of, and directly because of, a storm and not because of erosion, structural fault or design fault.

Riot and civil commotion

An example of a riot, civil commotion or public disturbance event would be damage caused by a violent crowd moving down your street.

It doesn't cover loss or damage caused by someone who had consent to enter the insured address and doesn't cover loss or damage if anyone living at the insured address participated in the disturbance.

Lightning

Lightning, including power surges caused by lightning, will be covered providing a qualified repairer gives written confirmation to show lightning as the cause of loss or damage and the Australian Government Bureau of Meteorology has a record of lightning in the area.

Fire

Loss or damage caused by fire (includes bushfire) and heat, ash, soot and smoke that is a direct result of a fire within 100 metres of the insured address.

It doesn’t include arcing, scorching or cigarette burns unless a fire spreads from the initial burn spot.

Pollution or vapour damage by a home heater or cooking appliance is covered if a fire spreads from the initial source.

If there is a bushfire in your area, we also cover the cost of replacing water in any tank, container, pool, spa and any other storage vessel, even if there is no physical damage to your property. The most we will pay is $1,000.

Theft and burglary

Theft or burglary occurs when someone enters the insured address without your consent and steals or intends to steal items.

We don't cover loss or damage caused by thieves or burglars entering the insured address from common property without signs of forced entry, or loss or damage caused by anyone living at the address.

Explosion

We cover loss or damage caused by an explosion but we don't cover the cost of repairing or replacing the container or tank that exploded.

Earthquake and tsunami

We cover damage that occurs within the first 72 hours following an earthquake or tsunami.

This includes cover for damage caused by a landslide or subsidence within 72 hours of, and directly because of, an earthquake or tsunami. It doesn't cover damage caused by erosion over time or a structural or design fault.

Malicious acts

Malicious acts or vandalism includes things like vandals damaging your letterbox or painting graffiti on your home.

It doesn't include damage caused by someone who lives or is staying at the insured address or who entered the insured address with your consent.

Damage by animal

This covers loss or damage caused by an animal that becomes accidentally trapped inside your home.

We don't cover damage caused by any animal you own or are responsible for, or has been allowed onto the insured address, or damage caused by insects, vermin or rodents (unless the damage they caused is covered under fire or escape of liquid).

Impact

Impact covers damage caused by impact from things like a falling tree, power poles, tv antennas, aircrafts, motor vehicles and even space debris.

It doesn't include damage caused by trees being lopped, felled or transplanted by you or for you.

Escape of liquid

This covers damage caused by liquid leaking, overflowing or bursting from things like your fridge, washing machine, bath (but not shower), toilet, fixed pipes (except agricultural pipes), swimming pool, water main, fixed cooling system or an aquarium.

We do not cover the cost of fixing the leak itself, wear, tear and gradual deterioration or loss or damage as a result of a gradual process of liquid leaking, splashing, dripping or overflowing. See the PDS for more details on what we don't cover.

Want to know more?

This is just a summary, for full details of what is and isn't covered please refer to the Home Building Insurance Product Disclosure Statement (PDF). The Target Market Determination is also avaiable.

* Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.

# Actions or movements of the sea and loss or damage caused by storm surge (unless the storm surge damage occurs at the same time as damage caused by a storm) are not covered.
We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions apply.

^ We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply

Hire car after a not at fault incident

If you’ve had an incident that’s not your fault, we’ll arrange and pay for you to have a hire car while your car is being repaired. Disclaimer: Conditions apply. Name, address and registration number of the person at fault must be supplied. For more information read the PDS. Please note: A hire car cannot be used by learner drivers. Terms and conditions apply see the PDS for full details

Hire car after theft for up to 21 days

We'll cover the daily hire cost of a "similar make or model" (up to $75/day) hire car following theft, or attempted theft for up to 21 days following an approved claim. Conditions apply. Please note: A hire car cannot be used by learner drivers or drivers under 25. Terms and conditions apply see the PDS for full details.

After claim expenses

If your car's stolen or damaged in an incident we will pay up to a total of $1000 towards:

  • emergency travel and accommodation if your car's not safe to drive and you're more than 100klm away from home
  • emergency repairs to make your car roadworthy or safe so that you can get to your destination or to a repairer
  • replacing your personal property such as clothing or electronic and telecommunicaiton devices lost or damaged at the time of the incident.

Note: you need to provide us with all invoices and receipts