Residential Home Package

The Residential Home Insurance Package provides insurance cover for your building and contents. Options such as personal valuables cover allow you to customise the package to your needs, and you can reduce the premium by removing cover on some insured events.

Enjoy a cover choice of building-only, contents-only, or combine the two for up to 15% discount when you apply online.

Features and benefits

• Our flexible package offers building, contents and personal valuables cover.
• Removable options to reduce the premium include theft, accidental glass breakage and power surge.
• Peace of mind via new-for-old contents replacement cover.
• Optional cover such as accidental damage or personal valuables cover.
• Make payments when it suits you – monthly or yearly.

What events are covered?

• Events covered include animal damage, earthquake, escape of liquid, fire and explosion, flash flooding, lightning, riots and public disturbances, storm, sudden impact, vandalism and malicious damage

Plus you can choose to include the following insured events, or remove them to reduce the premium:

• Theft
• Accidental glass breakage
• Fusion and power surge
  
  

What are the features of buildings cover?

• Total Building Replacement Cover
• Legal liability cover
• Demolition and debris removal costs
• Replacement of locks or keys
• Mortgage discharge and new title deed costs
• Professional fees
• Buildings materials
• Construction materials
• Emergency work and temporary repairs,
• Landscaping rectification costs,
• Matching of materials used to repair building damage
• Alternative accommodation costs.

What are the features of contents cover?

• New for old replacement for many contents items.
• Visitors property
• Alternative accommodation costs
• Legal liability cover
• Demolition and debris removal costs
• Replacement of locks or keys
• Emergency work and temporary repairs
• Moving within Australia

Apply online for a discount

For maximum discount apply for your Residential Home Package online – online applications receive an automatic 5% discount. Otherwise call 13 24 23 between 8am and 8pm (EST) and speak with one of our Customer Service Representatives.

In order to apply for a quote, or for building and/or contents insurance cover, you’ll need:

• The property address
• External wall material type
• Security details (if any)
• Date of birth of oldest policy holder
• Estimate of building replacement cost (for building cover)
• Estimate of contents replacement cost (for contents cover)
  
  

Payment methods include direct debit, online, in person at a branch or via our Customer Service Centre on 13 24 23 between 8am and 8pm (EST), 7 days a week.

The above is a summary of some of the features of our Residential Home Package and is not to be relied upon as the policy wording. Full details of the cover available including the limitations and exclusions that apply are contained in the Home Insurance Product Disclosure Statement that has been issued. You can also download a copy in PDF format.

• Important Information
  This advice has been prepared without taking into account your individual objectives, financial situation or needs. You should, before acting on this information, consider its appropriateness to your circumstances. CommInsure is a registered business name of Commonwealth Insurance Limited (CIL) ABN 96 067 524 216 AFSL 235030. A Product Disclosure Statement (PDS) for CommInsure Home Insurance issued by CIL is available by downloading it or by calling 13 24 23 and should be considered before making any decisions about these products.