Features & benefits

Gap cover up to 25%

Additional 25% on top of your contents sum insured when it isn’t enough to cover your loss.2

Pay monthly

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

Everyday items

Cover for your everyday items like laptops, clothing, jewellery, furniture, sunglasses and your favourite shoes. 

Legal liability

Cover up to $20 million for damages, legal fees and costs you are legally liable to pay as a result of an incident.

Contents in transit

Cover for up to 20% of your contents sum insured when moving house within Australia, if the vehicle carrying your contents is damaged or stolen in transit. 

Portable Contents Cover

Get cover against accidental loss, damage or theft of portable items, like jewellery, cameras and sporting equipment. Portable Contents Cover protects you against theft and accidental loss or damage to your portable contents anywhere and anytime in Australia and New Zealand. You are also covered for the first 30 days of travel per trip anywhere else in the world.

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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.3

Canstar lgog

Choose from a range of options for renters

Contents Cover

Covers your contents from loss or damage caused by fire, flood, theft and more.4 Automatic cover is also provided for your jewellery and watches within your home, up to 25% of your contents sum insured.

Optional covers

Increase your cover by adding Accidental damage and Portable Contents Cover.

Thinking about buying a house? You can update your package to cover your building.

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How to make a claim

2. Submit your claim 

Lodge your claim online and you’ll get an instant confirmation email. One of 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 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 it.

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Things you should know

If you have purchased Contents Cover online, 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.

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.

3 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. 

4Cover 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.

Home Insurance is provided by CommInsure, a registered business name of Commonwealth Insurance Limited ABN 96 067 524 216 AFSL 235030 (CIL). CIL is a wholly owned non-guaranteed subsidiary of the 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 has been prepared without considering your objectives, financial situation or needs. Before acting on this information you should consider the appropriateness of the product with regards to your personal circumstances. A Product Disclosure Statement 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 our Financial Services Guide and Privacy Policy. This information is provided by Commonwealth Insurance Limited (CIL) and where we refer to ‘we’ and ‘our’, we mean CIL.

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.