Get a quote that's right for you in 3 easy steps

  • 1. Know the details

    You’ll need to know the age of your home and what your walls and roof are made out of. You may be able to find these details on your house plans, current Certificate of Insurance or purchase contract. If not, your real estate agent or local council should be able to help.

    You can review the details of what your policy covers in the What's covered? section below.

  • 2. Calculate how much cover you need

    Use our calculators to help estimate how much it would cost to replace your building and/or contents – 'the sum insured' – it could be more than you think.

    Buildings calculator

    Contents calculator

  • 3. Get a quick quote

    Complete a quick and easy quote online in under 5 minutes for our Building and Contents Cover2 (part of our Residential Home Package).

    Alternatively, call us on 13 2423 8am–8pm, Mon-Fri, 8am-5pm, Sat (Sydney/Melbourne time) or visit your local branch.

    Get a quote

What's covered?

When it comes to our Building and Contents insurance, enjoy a range of standard inclusions, optional extras and additional benefits, to keep your home and contents covered from insured events.

What insured events are covered?

  • Accidental glass breakage
  • Animal damage
  • Burning out of electric motors and power surge
  • Earthquake
  • Explosion
  • Fire2
  • Flood2
  • Legal liability
  • Lightning
  • Malicious act including vandalism
  • Riot and public disturbances
  • Storm2
  • Sudden escape of liquid
  • Sudden impact
  • Theft or attempted theft

Additional benefits

  • Alternative accommodation costs
  • Contents in transit
  • Damage by emergency services
  • Demolition and debris removal costs
  • Domestic pet cover
  • Emergency work and temporary repairs
  • Matching benefit 
  • Mortgage discharge
  • Moving within Australia
  • Storage fees
  • Temporary removal of your contents
  • Visitors’ property

What's optional?

For full details about cover, limitations and exclusions, read the Home Insurance Product Disclosure Statement (PDS)

Take a look

Features & benefits

  • Australia-based call centres

    Our call centre staff are all locally based in Australia, to help and support you with your home insurance queries.

  • New for old replacement

    We cover the cost of repairing or replacing your contents items on a new-for-old basis. Conditions apply. 

  • Pay monthly

    There’s no additional premium when you choose to pay your home insurance monthly.

  • Up to 25% gap cover

    To help ease the financial burden, we cover up to an additional 25% on top of your Building and Contents Sum Insured when it isn’t enough to cover your loss.3

Get up to 15% off combined Building and Contents Cover.1

Get a quote

Make a claim

  • Get instant confirmation when you make a claim online. We’ll contact you via email by the next business day to advise next steps and if any further information is required to assess your claim.

    Alternatively, call us on 13 2423.

    How to make a claim


Things you should know

  • 1 If you purchase combined Residential Building and Contents Cover, a discount of up to 15% will be applied to your basic premium. If you purchase combined Investment Building and Contents Cover, a discount of up to 10% will be applied to your basic premium.

    This discount cannot be used in conjunction with any other discount (other than those listed in the relevant Product Disclosure Statement or any Supplementary Product Disclosure Statement) or in conjunction with any other promotional offer, unless we have advised in the promotional offer that this discount will apply. We may remove or change this discount effective from the renewal date. This discount cannot be backdated. Minimum premiums may come into force and reduce the extent to which discounts are applied.

    No discounts apply to Portable Contents Cover when taken as a standalone policy.

    2 Cover for damage caused by storm, bushfire or flood is excluded for the first 48 hours of the policy (exceptions apply). Claim limits and other exclusions apply.

    3 Gap Cover does not apply to Portable Contents Cover, Domestic Workers’ Compensation Cover, Items with a maximum claim limit and Legal Liability.

    Home Insurance is provided by Commonwealth Insurance Limited ABN 96 067 524 216 AFSL 235030 (CIL). CommInsure is a registered business name of CIL. CIL is a wholly owned non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124 (The Bank). The Bank does not guarantee the obligations or performance of CIL or the products it offers.  This information is provided by CIL and where we refer to ‘we’ and ‘our’, we mean CIL.

    The target market for this product will be found within the product’s Target Market Determination, available here.

    This information has been prepared without considering your objectives, financial situation or needs.  You should, before acting on this, consider the appropriateness of the product to your circumstances. A Product Disclosure Statement (PDS) is available at all Commonwealth Bank branches, by downloading them from or by calling 13 2423 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 us on 13 2423 for a paper copy.

    CommInsure is proud to be a signatory to the General Insurance Code of Practice, for more information on the code visit