Features & benefits

More standard inclusions

Included as standard are events such as home fires and bushfires, flood, storm and lightning damage, as well as theft or attempted theft and malicious acts like vandalism.

Additional extras at no extra cost

Enjoy the peace of mind that comes with extras like alternative accommodation costs, contents in transit, domestic pet cover and more.

Gap cover up to 25%

Our home insurance can cover a gap of actual costs of up to 25%, if the sum insured isn't enough to cover your loss.

Pay monthly - at no extra charge

Choose to pay your premiums monthly at no additional cost.2

Choose from a range of options

Building & Contents cover

  • Suitable if your property is a freestanding house or duplex and you have contents that you lease out to tenants
  • Covers both your building and contents from fire, flood, theft and more
  • A wide range of additional benefits like loss of rent, storage fees and more
  • Save up to 15% on your premium when you apply online1

Building Cover only

  • Suitable for insuring the building that you lease out to tenants
  • Covers your building from fire, flood, storm and more
  • Additional benefits like loss of rent, emergency work, temporary repairs and more

Contents Cover only

  • Suitable for insuring the contents of the building that you lease out to tenants
  • Covers your contents from fire, flood, theft and more
  • Contents includes curtains, carpets, internal blinds, lawn mowers and garden equipment and more

Optional covers

Increase your cover by adding cover for accidental damage (for building only), loss of rent extra and malicious damage or theft by tenants 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 a contents claim, 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.

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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 online, a discount of up to 15% will be applied to your basic premium.

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

2 Your financial institution may charge fees for these transactions. 

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