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Insurance / Home Insurance / Portable Contents Insurance

Cover types

  • Packaged Cover

    • Cover items like watches, cameras, sunglasses, laptops and surfboards (mobile phones can be insured under Customised Cover)
    • Each item is insured for up to $1,000 
    • Choose a maximum claim limit of up to $7,500 – which is the most amount of money payable in any one claim

  • Customised Cover

    • Cover more expensive items like engagement rings, designer watches, laptops and cameras 
    • List each item individually and nominate the replacement value

Features & benefits

  • 24/7 cover

    Cover for your items anywhere and anytime in Australia and New Zealand.

  • International cover

    Also cover for the first 30 days of travel per trip anywhere else in the world.

  • Pay monthly

    No additional premium if you choose to pay your home insurance monthly.

  • Flexible cover options

    Choose from Packaged or Customised Cover, or a combination of both.

What's covered?

Portable contents items
Customised Cover
Packaged Cover
Mobile phones (including smart phones)
Y
N
GPS, gaming devices, laptops, tablets, e-readers and other similar portable electronic devices
Y
Y
Cameras and accessories
Y
Y
Jewellery and watches (including smartwatches) – but not gold or silver bullion, ingots, coins or nuggets, or unset gemstones
Y
Y
Glasses (including prescription glasses)
Y
Y
Medical aids and their accessories
Y
Y
Clothing items and accessories
Y
Y
Handbags, brief cases and luggage – but not their contents unless they appear elsewhere on this list
Y
Y
Sporting and recreational equipment (including golf clubs, surfboards, kayaks, fishing equipment and bicycles)
Y
Y
Remote control aircraft and drones, with a maximum wing/blade span of 1.5m
Y
Y
Tents and camping equipment – but not electrical or electronic items, or power supplies and their accessories
Y
Y
Baby capsules, children’s car seats, strollers and prams
Y
Y
Binoculars and telescopes
Y
Y
Portable musical instruments
Y
Y

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

Take a look

Make a claim

  • You will receive instant confirmation when you lodge a claim online in the My Claims Portal (accessible through NetBank or the CommBank app).

    The Claims team will contact you to advise the next steps for your claim.

    Alternatively, call 13 1361 anytime or +61 2 8527 5217 if you’re overseas.

    You can also update your bank details for claims payments and provide documentation via the My Claims Portal.

    How to make a claim

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Common home insurance exclusions you need to know

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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 advised in the promotional offer that this discount will apply. This discount may be removed or changed 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, Items with a maximum claim limit and Legal Liability.

    Home Insurance is provided and issued 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 not part of the CBA Group. CBA and its related entities do not sell, issue or guarantee the obligations or performance of Hollard or the products Hollard offers and this insurance product does not represent a deposit with or liability of either CBA or any of its related bodies corporate. If you purchase a Home Insurance policy, CBA is paid a commission which is a percentage of your premium.

    For products issued by Hollard, information about the target market can 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 commbank.com.au 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 13 2423 for a paper copy.

    Hollard is a signatory to the General Insurance Code of Practice, for more information on the code visit www.codeofpractice.com.au.