Home Prestige is our most comprehensive level of coverage. You can choose from Home, Contents or Home and Contents cover, whichever works for you.

Why Home Prestige? Unlike our standard policies, accidental damage to your home and/or contents is automatically included and you’ll enjoy extra benefits and higher limits across selected items on your policy.


What’s included in the cover:

Home:

  • Fire
  • Flood
  • Storm
  • Theft
  • Vandalism
  • Accidental damage
  • Water damage
  • Glass breakage
  • Temporary accommodation
  • Essential temporary repairs
  • Legal liability

Contents:

  • Fire
  • Flood
  • Storm
  • Theft
  • Vandalism
  • Contents outside your home (up to specified limits)
  • Accidental damage
  • Water damage
  • Food spoilage
  • Essential temporary repairs
  • Legal liability
Read the PDS
Home prestige insurance

Optional benefits to extend your Contents cover

  • Domestic Workers Compensation Covers the cost of injury compensation to people working in your home.
  • Cycle cover Added protection for bike lovers, at home and when you’re cycling.

Avoiding underinsurance

Ways to save

Want to save on your home and contents insurance? Here's how:

  • Flexible excess - lower the cost of your cover by opting for a higher excess
  • Annual premium discount - save by paying your premium upfront
  • Claims experience bonus - claim-free customers can save
  • Security discount - security devices such as alarms and deadlocks (that meet our minimum standards) can save you money
  • Over 50s discount - senior policyholders can save
  • Retirees discount - lower premiums for retired customers.



Calculators

Home and contents insurance calculators

It’s easy to underestimate the cost of rebuilding your home or replacing its contents. Our insurance calculators will help you figure out how much cover you need (your ‘sum insured’). Use it to set your home sum insured and you’ll unlock an extra 30% bonus under our Building Sum Insured benefit.

Find out more

Home FAQs

You’re covered for loss or damage caused by ‘defined events’. For details of these events, refer to your Product Disclosure Statement and Policy Schedule.

Carpets and blinds are covered under contents insurance.

Yes, accidental damage is automatically covered. For more information, please refer to your Product Disclosure Statement and Policy Schedule.

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

If your house will be unoccupied for more than 90 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 insurance calculator to assess the value of your home.

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.

Contents FAQs

You’re covered for loss or damage caused by ‘defined events’. For details of these events, refer to your Product Disclosure Statement and Policy Schedule.

Carpets and blinds are covered under contents insurance.

Yes, they will be covered outside your home, up to set limits. For increased coverage you’ll need to list high risk items as ‘specified items’. Otherwise you’ll need Portable Contents insurance.

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, in Australia, and up to 90 days overseas. For more information on the limits that apply to your policy, refer to your Product Disclosure Statement and Policy Schedule.

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

If your house will be unoccupied for more than 90 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.

Use our contents insurance calculator to assess the value of your contents.

The advice on this website has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the Product Disclosure Statement for the policy before you make any decision to acquire it.

Contact us

Need more help?

Call 133 723 Mon-Fri 8am-11pm, Sat-Sun 8am-5pm (AEDT)