Features & benefits

Pay monthly - at no extra charge

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

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.

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 benefits 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.

11 years of award-winning cover

We're a Canstar winner of two national and six regional awards for Outstanding Value Home and Contents Insurance. So you can enjoy award-winning home insurance whether you own or rent your own home.3

Canstar lgog

Choose from a range of options

Building & Contents

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

Building only

  • Suitable for most homeowners
  • Covers your building from fire, flood and more
  • Additional benefits like alternative accommodation costs, domestic pet cover, emergency work and temporary repairs and more

Contents only

  • Suitable for homeowners and renters
  • Covers your contents from fire, flood, theft and more
  • Additional benefits like 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 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

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. This information is provided by Commonwealth Insurance Limited (CIL) and where we refer to ‘we’ and ‘our’, we mean CIL.

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.

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.

Your financial institution may charge fees for these transactions. 

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

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.