Insure your home, and the stuff inside it.
It’s pretty straightforward.
Get a quote in 3 mins 
Save up to 6%* on your premium with sensors
Choose to receive complimentary smart home sensors (worth $250) that can alert you to avoidable mishaps like fire, water damage and theft.
All you need is WiFi, a smartphone and active sensors to be rewarded up to 6%* off your premium every year.
What can the sensors detect?
Sensors will automatically alert you when something is wrong with a notification to your smartphone.
- Water leaks
- Open doors and windows
- Temperature changes
- Sounding alarms
- Mould risk
Protecting your home is easy as 1, 2, 3
Inclusions that make sense
Natural disaster damage
If your home is damaged by a severe weather event (such as flood, fire, storm), we can help cover the cost of reconstruction and, if you have contents cover, replace your eligible contents.
Rebuilding your home
On top of your agreed sum insured, there’s cover for the costs of demolition and design fees.
Home office
Cover for eligible loss or damage to your home office equipment up to $20,000.
Theft or vandalism
Cover for the cost of replacing eligible stolen or vandalised contents with new ones.
Water damage
If your home and contents are damaged by water (eg. due to a pipe bursting), there’s cover for the repair costs.
New for old
Cover for the cost of replacing eligible contents lost or damaged in an insured event with new ones.
Temporary accommodation
If your home is unfit to live in after an insured event, we can help cover the cost of alternative accommodation for up to 12 months (up to 10% of your home sum insured).
Liability and legal protection
If someone is injured or their property is damaged while visiting your home and you’re found legally liable, we can help cover the compensation and associated legal costs approved by us (up to $20 million).
Counselling services
After an insured event, there’s cover for counselling services with a registered practitioner (up to 6 sessions, $1500 in total).
These are some of the highlights and benefits of our cover for homeowners. Limits, conditions and exclusions apply. Please refer to the PDS for more information.
Advanced cover and extras for when you can’t go without
Accidental damage
Cover for damage or loss to your eligible contents due to an accidental event at home.
Mobile phones
Keep connected with cover for lost or damaged mobile phones up to the agreed sum insured.
Individual items
Extra protection for your most valuable items that goes beyond your included contents cover.
Small business
Cover for eligible lost or damaged equipment or stock used to run your small business up to $20,000.
Away from home
Cover for your eligible contents when you’re on the move anywhere in Australia and New Zealand.
Motor burnout
Repair or replacement for the burnout of electric motors in appliances up to 10 years old.
This is a summary of our optional benefits for homeowners. Limits, conditions and exclusions apply. Please refer to the PDS for more information.
Frequently asked questions
Homeowners insurance can cover you for both your home’s building and contents in the case that they need repair, rebuilding or replacement after an insured event (a fancy way of saying a specific event covered under your policy). This includes cover for loss or damage from severe weather events such as cyclones, floods, storms and bushfires. Homeowners insurance can also help protect against things like theft, malicious damage and legal liability.
Homeowners insurance covers your home and/or contents against loss or damage as a result of an insured event. For a full list of the insured events we cover, please refer to our Product Disclosure Statement .
We aren’t able to provide you with advice on the replacement costs of your home or how much to insure it for. Instead, we use the information you give us and data sourced from third parties to provide an estimate of the rebuilding costs for your home.
It’s your responsibility to ensure your home sum insured is right for you and your needs. When considering how much you should insure your home for, you should consider including the full cost to rebuild your home, including the cost of structural improvements on the property. But don’t include land value. Our policies include an allowance for demolition and site clearance, as well as professional fees. You should also consider increased building costs to meet stringent local council building requirements. If you are unsure of the replacement cost, a builder or architect may be able to assist you.
We also offer a home building calculator which you can use to determine independently an appropriate sum insured for your needs, which you can then compare to the estimate provided by us during your quote.
Your premium is based on a number of things, including:
- What you choose to insure and how much you choose to insure it for
- Where your home is and risk information specific to your location (e.g. the likelihood of a flood, cyclone or bushfire, or crime rates in your suburb)
- Features specific to your home (e.g. building materials, the age of the building, and security features)
- The excess amount you have chosen
- Your claims history
- Your age
In most cases, the higher the risk of loss or damage, the higher the insurance premium. The chance of loss or damage is different for everyone, so we calculate your premium based on your individual circumstances.
