Residential home package

CommInsure Home & Contents insurance has won the top national award by Canstar Cannex for the fourth year running. While we can’t replace the sentimental items that may be lost if your home is damaged, we can give you peace of mind in knowing that your house and its contents are covered. Features & benefits Our residential home insurance package offers comprehensive buildings and contents cover, and includes flexible options, such as personal valuables and accidental damage cover. You can further customise a package to suit your needs and reduce your premium by removing cover on some of the insured events, such as theft, accidental glass breakage or power surge

To reduce your worry further, we’ve added new-for-old contents replacement cover and the option to make payments when it suits you: monthly or annually by direct debit from your bank account or credit card. If you choose to pay annually, you may also pay by cash, cheque or BPAY.

What is covered?

Our home insurance policy covers a wide range of events including: animal damage, earthquake, escape of liquid, fire and explosion, flash flooding, lightning, riots and public disturbances, storm, sudden impact, vandalism and malicious damage.

Building cover includes: 

• 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

Contents cover includes:

• 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 discounted premium

Apply online and receive up to 15% discount off the base premium when you purchase combined building and contents cover or up to 10% discount when purchased separately.* You’ll just need the following:

• 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)

Otherwise, you can call 13 24 23 between 8am and 8pm (AEST) and speak with one of our Customer Service Representatives.

•  Important Information
  * This discount cannot be used in conjunction with any other discount or promotional offer other than the Security Discount and No Claim Discount where applicable. Minimum premiums may come into force and reduce the extent to which discounts are applied.
  
  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 CommInsure Home Insurance Product Disclosure Statement (PDF 690KB) and Supplementary Product Disclosure Statement (PDF 87KB).
  
  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) and Supplementary Product Disclosure Statement (SPDS) for CommInsure Home Insurance issued by CIL are available by downloading or by calling 13 24 23 and should be considered before making any decisions about these products.