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Which home insurance is right for you?

Choose from building and contents insurance, building insurance, contents insurance, portable contents or a combination of all three.

Cover for your building and contents

For home owners and renters:

  • Home owners can cover their building and contents from fire, flood, theft and more.
  • Renters can cover their contents such as appliances, furniture or jewellery.
  • Combine different insurance options to suit your needs.

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Cover for your property

For investors or landlords:

  • Get covered for both building and contents that you lease out to tenants either through your investment property or your holiday home.
  • Additional cover options give you additional benefits such as loss of rent, emergency work and temporary repairs and mortgage discharge.

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Protect your things at home or on the go

For anyone wanting to protect their valuable items:

  • Insure everyday portable items you take with you when you’re out and about like sunglasses, watches, engagement rings or surfboards.
  • Your items are covered here or abroad in the first 30 days of your trip.

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Why choose Home Insurance?

Be ready for just about anything with Home Insurance. Help protect your building or contents against fire, flood, theft and more.

Outstanding value

Outstanding value

Insurer of the Year 2016 with Money magazine and CANSTAR winner of 3 national awards and 14 regional awards for outstanding value for home and contents insurance. Whether you’re a home owner, renter or landlord, you can get award winning home insurance.

Improved claims process

Improved claims process

You can submit your claim online at any time. You’ll get an instant confirmation email and hear from one of our claims specialists as soon as possible. If you prefer you can call us on 13 2423.

15% bundle discount

15% combined discount

Save up to 15% on your premium when you bundle building and contents cover and apply online.* It’s quick and easy to get a no obligation quote. If you’re already a CommBank customer, you could get a further saving when you apply in NetBank or the CommBank app.

Access to support when you need it

Australian based support

Australian based support

Whether you have a question or want to lodge a claim, you'll always speak to an insurance specialist who’ll get things moving. Get in touch by calling 13 2423.

Hassle-free claims

Hassle-free claims

No matter what’s happened, you get full attention and assistance with your claim lodgement. You can submit your claim online or call 13 2423 to get things moving.

Quick repairs and replacement

Wide network of preferred suppliers

Access to a wide network of trusted builders and repairers with a proven track record of getting the job done.

What you need to know

How to get a quote and apply online

Things we’ll ask include:

  • Details of your building including the address and how it’s built
  • Details of everyone who’ll be a policy holder including their DOB (have their details handy)
  • How much cover you’ll need (try the building and contents calculators)
  • Whether you want to add any Optional Covers
  • When you’d like the policy to start.
  • Bundle your building and contents cover and get up to 15% off when you apply online.*
  • If you’re already banking online with us, you may get an even better price when you apply in NetBank or via the CommBank app.

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Already a customer banking online with us?

You could get a better price.

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No obligation – takes only a few minutes

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How to make a claim

We’re here to help. You can make a claim online.

Learn more

Frequently Asked Questions

What's an ‘Insured Event'?

An Insured Event is an accidental, unexpected or unforeseen event your Home Insurance provides cover for. Depending on the type of cover you have, here's a look at Insured Events covered.

What's not covered?

Here are some examples of standard exclusions: wear and tear to property, damage by birds, rats, termites etc. Read more on what you’re covered for.

How do I calculate my sum insured?

You’ll need to tell us the replacement value of your contents and building including all associated rebuilding costs. Use the buildings calculator and the contents calculator to help work this out.

Things to know before you Can:

*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.

Visit CANSTAR’s Home & Contents Insurance Star Ratings report for details of CommInsure’s awards.

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.

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. Where we refer to 'we', 'us' 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 to your 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 the Home Insurance Key Fact Sheet, Financial Services Guide and Privacy Policy which are also available by calling 13 2423.

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.