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  • Money magazine’s 2014 Best of the Best winner in the Best Innovative Insurance Product category
  • CANSTAR award for Outstanding Value Home and Contents Insurance - Australia
  • Pay by the month for no additional premium
  • Flood covered as a standard Insured Event
  • Gap Cover of up to 25% on top of your Sum Insured
  • Online claims, using a simple form

It’s quick and easy to apply online. You’ll also get up to a 15% discount on your basic premium*

Find out more about how to make a claim online.

Residential Home Package

If you rent or own your property, this building and contents cover can provide protection for your home against a range of insured events.

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  • Can provide protection against theft, storm, fire and more
  • Includes additional benefits, such as alternative accommodation costs
  • Flexibility to add optional covers

Investment Home Package

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This building and contents cover for landlords and property investors can provide optional extras such as cover against loss of rent and malicious damage by tenants. 

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  • Can provide protection against theft, storm, fire and more
  • Includes additional benefits, such as loss of rent cover
  • Flexibility to add optional covers, including cover against malicious damage, tenant theft and extra loss of rent

Tools and calculators

Building insurance calculator

This calculator can help you work out the value of your home and estimate the amount of cover you need. 

Contents insurance calculator

This calculator can help you work out the value of your contents and estimate the amount of cover you need.


From 25 March 2013 CommInsure will release a new Product Disclosure Statement (PDS) with changes which include the provision of cover for flood. If your policy is purchased on or after this date flood cover will be included.

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You will be asked to nominate your sum insured for your Building, Contents or Portable Contents cover depending on the covers you need. It is important to make sure these are as accurate as possible because they represent the maximum amount we will pay in the event of a claim, subject to any entitlement to Gap Cover.

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CommInsure has a number of rating factors which are used to determine your Home Insurance premium, one of these being age based rating. The age of the oldest policyholder is used to calculate your premium.

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Wherever possible, you should have your CommInsure home or car insurance policy number with you, as this will help us identify your policy quickly. If you don't know your policy number, you'll need to tell us the full names of the insured and the address of the insured property.

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Learn more about insurance

If you’re investing in property, making sure you have the right insurance to protect your investment is essential.

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Merging your money is a big decision and making sure you have the right home and contents insurance is a key component.

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1. Gather financial statements – including insurance policies

2. List all monthly expenses

3. If you pay insurance annually, divide the cost by 12

4. Weigh expenses against monthly income

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Ask questions and get support from experts and customers.


Important information

*This discount cannot be used in conjunction with any other discount or promotional offer and cannot be added retrospectively. Minimum premiums may come into force and reduce the extent to which discounts are applied. We may elect to remove this discount at any time from a policy in which case it will be removed at the renewal date of the policy.

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 CIL and where we refer to ‘we’ and ‘our’, we mean CIL.

Download a Product Disclosure Statement (PDS) and Financial Services Guide (FSG) for Home Insurance issued by CIL, or call 13 24 23 and consider the PDS before making any decisions about these products. 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 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.

CommInsure is proud to be a signatory to the General Insurance Code of Practice, for more information on the code visit