Help & support
Last updated: 1 October 2026
Home insurance provides building and/or contents cover for homeowners, and contents-only cover for renters. Landlord insurance is cover available for residential rental properties.
Apply and save up to 15% on combined Home Building and Contents Cover.2
CommBank Yello Gold or Diamond customers could receive up to 30,000 CommBank Yello points with a new Building or combined Building and Contents Cover policy.
CommBank Yello customers could receive 5,000 CommBank Yello points with a new Contents Cover policy.
Having home insurance can help to cover the cost of repairing or rebuilding your home or replacing your belongings if they are impacted by an insured event.
These policy overviews are a guide only. For information on the full coverage, exclusion, limits and excesses, read the Product Disclosure Statement (PDS) and the Financial Services Guide (FSG) before applying. If you have questions about whether this product is suitable for you, refer to the Target Market Determination (TMD) for more details.
To help estimate the sum insured as part of your quote, you can use these calculators.
Building insurance calculator
Contents insurance calculator
Building and Contents Cover
For Homeowners
Save up to 15% off your premium when you combine your building and contents cover.2
What's covered
Explore Building and Contents Cover
Building Cover
For Homeowners
Cover for the building and fixed structures such as garages, sheds and fences, against loss or damage from Insured Events.3
What's covered
Contents Cover
For homeowners and renters
Cover for household goods and personal belongings such as your furniture, whitegoods and carpets.
What's covered
Landlord Insurance
For landlords
Save up to 10% off your premium when you combine your building and contents cover.2
What's covered
Spread the cost of your premium across the year.
Manage your home insurance and banking in one place via the CommBank app or NetBank.
Choose from a range of options depending on your needs and budget.
You can choose to add Optional Covers for an extra cost.
Covers accidental loss or damage to your building and/or contents caused by unexpected and unintended events at the insured address.4
Available for: Home Insurance and Landlord Building Insurance
Covers loss or damage to insured personal items, like jewellery or your laptop, anywhere in Australia or New Zealand7.
Available for: Home Contents Insurance and Home Combined Building & Contents Insurance
Covers loss of rent if a tenant leaves unexpectedly or stops paying rent.8
Available for Landlord Insurance
Covers loss or damage caused by malicious acts or theft committed by your tenant or their visitors.8
Available for Landlord Insurance
Call 13 1361.
You’ll receive immediate confirmation once you make a claim and the Claims team will advise you of the next steps.
You could earn CommBank Yello points when you take out eligible Home or Landlord Insurance.
Building or combined Building and Contents Cover policies
If you’re a CommBank Yello Gold or Diamond customer, you could earn:
30,000 CommBank Yello points if your annual base premium is $2,000 or more
15,000 CommBank Yello points if your annual base premium is less than $2,000
Annual base premium excludes taxes and government charges.
Contents Cover policies
If you’re a CommBank Yello customer, you could earn 5,000 CommBank Yello points when you take out eligible Contents Cover.
When is my eligibility checked?
We’ll check your eligibility 90 calendar days after your policy cover start date.
At that time, you must:
meet the applicable CommBank Yello tier and offer eligibility requirements
still hold the eligible policy
be up to date with your premium payments.
When will I receive my points?
If you’re eligible, your CommBank Yello points will typically be paid within 31 days after your eligibility is checked. Occasionally, this may take longer.
How can I check my CommBank Yello tier?
You can check your CommBank Yello tier in the CommBank Yello Hub in the CommBank app.
Are there any exclusions?
The offer is available once per eligible policy and property.
Replacement or reinstated policies, and policies taken out within 12 months after a policy for the same property was cancelled, aren’t eligible. Other exclusions apply.
See the full offer terms and conditions (including exclusions) here and CommBank Yello Program terms and conditions here for full details.
Use the Building and/or Contents calculators to help you estimate the sum insured you need and avoid being underinsured.
Gap cover helps to pay the difference when your building and/or contents sum insured amount isn't enough to cover the cost to repair or rebuild your home or replace your insured household goods and personal belongings. For example, if your building sum insured is $500,000 and the cost of repairs is $600,000 you may be paid up to an additional 25% of your sum insured to cover the difference.1
Exclusions and limits apply, view the PDS for more details.
Home Insurance does not cover short term rentals. Instead, you can consider Landlord Insurance.
When your property isn't your primary residence and is used as an Investment property with short-term rental arrangements in place such as Airbnb or Stayz etc, cover can be provided under Landlord Insurance as a Holiday or Seasonal rental property.
Some restrictions and exclusions apply, read the Landlord Insurance PDS for more details.
An excess is an amount you must pay when your insurance claim is accepted and agreed to be paid out.
When an excess applies, you must pay your Basic excess plus any applicable additional excess(es).
Hollard will let you know if you are required to pay an excess in order to finalise your claim. All excess amounts applicable to your cover are listed on your Certificate of Insurance. For more details, refer to PDS and PEDG.
Reduce your home insurance premium
Save costs while protecting the things that matter most to you.
Maintain your home
Keeping your home in good condition can help prevent damage and unexpected costs.
View your existing policy details within the Accounts list in NetBank or the CommBank app. (CommBank customers only)
To update your policy, call 13 1361
Find the Home Insurance Product Disclosure Statement (PDS) and other important forms for current policies, including those purchased on/after 20 August 2025 or renewing on/after 27 April 2026.
Find documents for older policies.
Call 13 1361 Mon-Fri, 8am-8pm (Sydney/Melbourne time) Sat, 8am-5pm (Sydney/Melbourne time)
Chat with a Hollard insurance specialist from 8am – 7:30pm Mon to Fri (Syd/Melb time).
Distributed by the Commonwealth Bank
* CommBank Yello points offer: Available on new Building Cover, combined Building and Contents Cover policies, or Contents Cover policies for Home or Landlord Insurance issued by Hollard and accessed through CommBank.
For Building Cover or combined Building and Contents Cover policies, CommBank Yello Gold and Diamond customers could receive 15,000 CommBank Yello points when their annual base premium is less than $2,000, or 30,000 CommBank Yello points when their annual base premium is $2,000 or more. Annual base premium excludes taxes and government charges.
For Contents Cover policies, CommBank Yello customers, in any CommBank Yello tier, could receive 5,000 CommBank Yello points.
Customers must meet applicable CommBank Yello and offer eligibility requirements, be a policyholder, keep the policy for at least 90 days and be up to date with premium payments when eligibility is assessed. Exclusions apply. Offer available once per eligible policy and property. If there is more than one eligible policyholder, only one policyholder will receive the points. There may be tax implications of receiving CommBank Yello points under this Offer. Please refer to the CommBank Yello FAQs or seek independent advice. See the full offer terms and CommBank Yello Terms and Conditions here for details.
Additional points for Diamond customers: CommBank Yello Diamond customers could earn 500 CommBank Yello points each month for each eligible policy held. Eligible policies are existing Building Cover or combined Building and Contents Cover policies for Home or Landlord Insurance issued by Hollard and accessed through CommBank. Customers must be a CommBank Yello Diamond customer, be a policyholder and keep the eligible policy active when eligibility is assessed. Eligible policies held before 1 October 2026 may earn monthly points from 1 October 2026. Policies taken out on or after 1 October 2026 are not eligible to receive monthly points during the first year of the policy. Where multiple eligible policies cover the same property, points will only be paid in respect of one eligible policy for that property each month. There may be tax implications of receiving CommBank Yello points under this Offer. Please refer to the CommBank Yello FAQs or seek independent advice. See the full offer terms and CommBank Yello Terms and Conditions here for details
1 If you purchase Home Insurance, Gap cover does not apply to Building or Contents Cover Classic, Portable valuables, items with a maximum claim limit or Legal liability. If you purchase Landlord Insurance, Gap cover does not apply to items with a maximum claim limit or Legal liability.
2 If you purchase combined Home Building and Contents Cover, a discount of up to 15% will be applied to your annual base premium. If you purchase combined Landlord Building and Contents Cover, a discount of up to 10% will be applied to your annual base premium.
This discount cannot be used in conjunction with any other discount (other than those listed in the relevant Product Disclosure Statement (PDS) or any Supplementary Product Disclosure Statement) or offer, unless otherwise advised. This discount may be removed or changed effective from the renewal date. This discount cannot be backdated. This discount is calculated before taxes and government charges are applied.
3 Cover for damage caused by bushfire, storm, rainwater or flood is excluded for the first 72 hours of the policy (exceptions apply). Claim limits and other exclusions apply.
4 If you purchase Landlord Insurance, Accidental damage is not available under Contents Cover.
5 If you purchase Landlord Insurance, Emergency work and temporary repair are not available under Contents Cover.
6 If you purchase Home Insurance, Temporary accommodation is available with Contents Cover only if you are the owner occupier of a Strata titled property. Cover limits apply, read the Home Insurance PDS. If you purchase Landlord Insurance, Temporary accommodation is not available.
7 Claim limits and other exclusions apply. Read the Home Insurance Product Disclosure Statement (PDS) for more information.
8 Claim limits and other exclusions apply. Read the Landlord Insurance Product Disclosure Statement (PDS) for more information.
Home Insurance and Landlord Insurance are provided by Hollard Insurance Partners Limited ABN 96 067 524 216, AFSL 235030 (Hollard) and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). Hollard is the issuer of these general insurance products. Hollard is not part of the CBA Group. CBA does not guarantee the obligations or performance of Hollard or the products Hollard offers. Neither CBA, nor any of its related bodies corporate accepts liability or guarantees payment of any claim or benefit in respect of general insurance products issued by Hollard. CBA may be paid a commission if Hollard issues you with a Home and/or Landlord Insurance policy. Details are provided in the Financial Services Guide (FSG) by clicking on the link, or by calling 13 1361 for a paper copy.
For products issued by Hollard, information about the target market can be found within the product’s Target Market Determination.
This information has been prepared without considering your objectives, financial situation or needs. Before making any decision about this product you should consider this information in relation to your own circumstances. A Product Disclosure Statement (PDS) is available at all Commonwealth Bank branches, by downloading them from commbank.com.au or by calling 13 1361 and should be considered before making any decisions about this product. You should also read the Premium, Excess and Discount Guide (PEDG), Key Facts Sheets (KFS) and Financial Services Guide (FSG) by clicking on the links, or by calling 13 1361 for a paper copy.
Hollard is a signatory to the General Insurance Code of Practice. The objectives of this Code are to:
The Code Governance Committee (CGC) is the independent body that monitors and enforces compliance with the Code. It also aims to drive better Code compliance, helping the insurance industry to improve its service to consumers. For more information about the CGC, or to obtain a copy of the Code, please visit www.codeofpractice.com.au or phone 1300 884 934.
