Features & benefits

Pay monthly

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

Gap Cover up to 25%

Our home insurance can cover up to an additional 25%, on top of your building and contents sum insured when it isn't enough to cover your loss.2

Wide range of standard inclusions

Enjoy a wide range of standard inclusions like cover for loss or damage caused by flood, fire, theft, motor burnout and more.3

Additional benefits

Our cover includes additional benefits such as alternative accommodation costs, contents in transit, domestic pet cover and more.

Award winning cover

By understanding the things you value at home, we’ve been awarded Canstar’s Outstanding Value Home and Contents Insurance award 11 years in a row.4

Canstar lgog

Choose from a range of options

Building & Contents

  • Cover for both your building and contents from loss or damage caused by fire, flood, theft and more3
  • A wide range of additional benefits like alternative accommodation costs, domestic pet cover, damage by emergency services and more
  • Save up to 15% on your basic premium when you apply online1

Building only

  • Covers your building from loss or damage caused by fire, flood, theft and more3
  • Additional benefits like alternative accommodation costs, domestic pet cover, emergency work, temporary repairs and more

Contents only

  • Covers your contents from loss or damage caused by fire, flood, theft and more3
  • Additional benefits like up to $2,000 cover for visitor’s property, contents in transit, contents at a temporary location and more

Optional covers

Increase your cover by adding Accidental damage and Portable Contents Cover, for an additional cost.

For full details on how you’re covered, read the Home Insurance Product Disclosure Statement (PDS)

Take a look

How to make a claim

2. Submit your claim 

Lodge your claim online and you’ll get an instant confirmation email. Our claims specialist will contact you by the next business day to go through the details. Alternatively call us on 13 2423.

Claim online

3. We’ll assess your claim

For building claims, we may arrange for an inspection to assess the damage. For contents claims, we’ll assess the information along with the supporting documents you’ve given us.

Enquire about a claim

4. Settling your claim

If we’ve agreed to pay your claim, we’ll contact you to let you know how we’re going to settle it.

Tell me more

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Things you should know

If you have purchased Building Cover or Contents Cover online, a discount of up to 10% will be applied to your basic premium. If you have purchased combined Building and Contents Cover, a discount of up to 15% 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.

The online discount does not apply to Portable Contents Cover when taken as a standalone policy.

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

3Cover for damage caused by storm, bushfire or flood is excluded for the first 48 hours of the policy (exceptions apply). Policy limits and other exclusions apply.

Canstar award for Outstanding Value Home and Contents Insurance in Australia 11 years running. Visit Canstar’s Home and Contents Insurance Star Ratings report for details of CommInsure’s awards. 

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.

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 Key Fact Sheet (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