Home Buildings Insurance Features

Under our Home Buildings Insurance you are covered for more than you probably realise or expect. For added convenience, you can combine your Home Buildings Insurance with Home Contents Insurance.

Discounts and rewards
We offer great home insurance discounts and rewards.
What’s in it for you? You can save on your policy and you can save on your other insurance too, as we offer great discounts for combining policies. We also reward your loyalty. Plus if you’re 50 years or older you qualify for the additional benefits of Home@50.

Temporary emergency accommodation
If your home is damaged by an insured event and we agree you can’t live in it, we’ll arrange and pay for temporary accommodation for you for up to 12 months while it gets repaired or rebuilt.
What’s in it for you? You have a roof over your head and we pay for agreed additional living expenses, the removal and storage of your home contents and their return.

Nominate your home’s insurance value
Know upfront what your home is insured for. Insure your home for its true value and then rest assured that if it is destroyed, you can replace it.
What’s in it for you? You know upfront what you will be paid if you ever do have to claim - no surprises.

Paperless 24/7 claims
If you need to make a home insurance claim, we’re available 24 hours a day, seven days a week, over the phone. No paperwork needed to lodge a claim.
What’s in it for you? When things go wrong, wherever you are, whatever the time, we’re just one phone call away.

Flexible payment and policy excess options
You can choose to pay annually, with cash, cheque, BPAY or credit card or monthly by direct debit. You also have a choice of basic excesses. You can reduce your premium by choosing a higher basic excess.
What’s in it for you? You choose the payment and excess options that suit you.

24/7 Helpline
You have access to our Helpline assistance service, 24 hours a day, seven days a week, at no extra cost.
What’s in it for you?  When things go wrong, we’re just a phone call away.

Home Buildings Calculator
Most people underestimate the value of their home which could be a costly mistake. Use our Home Buildings Calculator to help you work out how much it would cost to rebuild your home at today’s prices.
What’s in it for you? You insure your home for the right amount – not too much or too little.

Replacement of your home
If your home is damaged or destroyed, we will repair or rebuild it up to the sum insured.
What’s in it for you? You get your home back to the way it was or you can choose to rebuild your home in another style, to the sum insured.

Options that can be added to your Home Buildings Insurance cover:

Accidental damage. You can choose to pay a little more and increase your Home Buildings policy to include cover for accidental damage.

Fusion of electric motors. You can choose to pay a little more and increase your Home Buildings policy to include cover for burn out of electric motors.

Our Home Buildings Insurance policy also covers you for:

Liability cover

Loss or damage by fire, storm or theft

Impact damage

Vandalism or malicious act.

There is also additional cover provided when we pay a claim:

Demolishing and removing debris

Reconnection of electrical components

Funeral expenses

Loss of rent for Landlords

Locating the cause of damage

Lock barrels and key replacement

Mortgagee discharge costs

Fees arising from rebuilding

Renovating or altering your home

For detailed information on this cover, please read the Product Disclosure Statement.