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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 we’ll pay 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

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

Support

Calculators

Contents insurance calculator

Building insurance calculator

Natural disasters

Find out how you can plan for and prepare your home and family for a bushfire, flood or storm. 

If a natural disaster strikes, we activate an Emergency Assistance Package for CommBank and CommInsure customers.

Documents & forms

Find a list of important documents and forms for your home insurance policy.

Common home insurance exclusions you need to know

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Renovated or bought new things? Do you have enough insurance?

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Insurance priorities for all ages

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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 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 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 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 www.codeofpractice.com.au.