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Home insurance with more cover as standard

Why choose our Home Insurance?

When it comes to organising home insurance, there are many things to consider – the value of your building and contents plus knowing what you are covered for. So we’ve made things easier for you by making more inclusions standard.

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Protection for your Building & Contents

Whether you live in your home, rent or have an investment property, you can protect your building and its contents from events such as fire, floods theft and more. 

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Protection for your valuables

There’s no need to list valuable items such as iPads or art as these will be automatically covered under your contents sum insured whilst located in your home. Jewellery and watches are automatically covered up to 25% of your contents sum insured; higher value items can be listed under customised portable contents cover.

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Our cover also includes:

  • Up to 12 months alternative accommodation costs
  • Demolition and debris removal
  • Domestic pet cover for your dog, cats or birds
  • Contents in transit for when you’re moving
  • Storage fees and more.

You also get

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Up to 25% Gap Cover

When the amount you are insured for is not enough  we’ll pay up to 25% extra to help rebuild, replace or repair your building and contents. 

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Choose from two packages and three cover types

Our packages are designed to suit owner/ occupiers, renters, landlords and investment property owners. They offer any combination of Buildings, Contents and Portable Contents Cover.

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CommBank customers can save

Apply online to receive up to 15% discount**. 

As an existing CommBank customer, you could also get a further saving when you take out a home insurance  policy in Netbank.*

Frequently Asked Questions

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 the Insured Events we cover.

Learn more

Here are some examples of our standard exclusions: wear and tear to property, damage by birds, rats, termites etc.

See the PDS for more details

You’ll need to nominate a sum insured for your building and contents. These should be as accurate as possible. Use the buildings calculator and the contents calculator to help work this out. 

Things to know before you Can

^Canstar award for Outstanding Value Home and Contents Insurance in Australia eight years running.

**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.

*You could get a further saving off your premium if you apply as the first listed policyholder in NetBank, which allows us to use aspects of our integrated view of you when calculating your premium. Different price may apply if another person is named as the policy holder. You can find out more about how your premium is calculated in the Product Disclosure Statement.  Your saving may change at renewal, if you amend your policy or if you cancel it and re-apply.

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 and should be considered before making any decisions about this product. You can download a Product Disclosure Statement (PDS) and Financial Services Guide (FSG) by clicking on the links, or by calling us on 13 2423 for a paper copy.

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.  This information is provided by CIL and where we refer to ‘we’, 'us' 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