Homeowners Insurance
Cover for your home and the things you love, with optional complimentary smart sensors to help reduce risk.{sub-heading}
Save up to 6% on your premium with sensors*
Choose to receive complimentary smart home sensors (worth $250) that can alert you to avoidable mishaps like fire, water damage and theft. All you need is WiFi, a smartphone and active sensors to be rewarded up to 6% off your premium every year*.
What can the sensors detect?
Sensors will automatically alert you when something may be wrong with a notification to your smartphone:
- Water leaks
- Open doors and windows
- Temperature changes
- Sounding alarm
- Mould risk
Summary of benefits
Highlights of our home and contents cover{sub-heading}
Natural disaster damage
If your home is damaged by a severe weather event (such as flood, fire, storm), we can help cover the cost of reconstruction and, if you have contents cover, replace your eligible contents.
Rebuilding your home
On top of your agreed sum insured, there's cover for the costs of demolition and design fees.
Home office
Cover for eligible loss or damage to your home office equipment up to $20,000.
Theft or vandalism
Cover for the cost of replacing eligible stolen or vandalised contents with brand new ones.
Water damage
If your home and contents are damaged by water (eg. due to a pipe bursting), there's cover for the repair costs.
New for old
Cover for the cost of replacing eligible contents lost or damaged in an insured event with new ones.
Temporary accommodation
If your home is unfit to live in after an insured event, we can help cover the cost of alternative accommodation for up to 12 months (up to 10% of your home sum insured).
Liability and legal protection
If someone is injured or their property is damaged while visiting your home and you're found legally liable, we can help cover the compensation and associated legal costs approved by us (up to $20 million).
Counselling services
After an insured event, there's cover for counselling services with a registered practitioner (up to 6 sessions, $1500 in total).
Optional benefits
Extra cover you can add to your policy{sub-heading}
Accidental damage
Cover for eligible damage or loss to your home and/or contents due to an accident/event that occurred at home.
Mobile phones
Keep connected with cover for lost or damaged mobile phones up to the agreed sum insured.
Individual items
Extra protection for your most valuable items that goes beyond your included contents cover.
Small business
Cover for eligible lost or damaged equipment or stock used to run your small business up to $20,000.
Away from home
Cover for your eligible contents when you’re on the move anywhere in Australia and New Zealand.
Motor burnout
Repair or replacement for the burnout of electric motors in appliances up to 10 years old.
These are only some of the highlights and benefits of our cover for homeowners. Limits, conditions and exclusions apply. Please refer to the PDS{external-link} for more information.
Helping prevent accidents with smart sensors
Opt-in for sensors
Opt in for sensors when you take out home and contents insurance.
Install Sensors
Easily install sensors around your home in just a few minutes.
Get alerts
Get alerted on your smart phone when an event is triggered.
Frequently asked questions
See all FAQs{small-button, external-link}
What is homeowners insurance and why is it important?
What am I covered for?
How much should I insure my home for?
We aren't able to provide you with advice on the replacement costs of your home or how much to insure it for. Instead, we use the information you give us and data sourced from third parties to provide an estimate of the rebuilding costs for your home.
It's your responsibility to ensure your home sum insured is right for you and your needs. When considering how much you should insure your home for, you should consider including the full cost to rebuild your home, including the cost of structural improvements on the property. But don't include land value. Our policies include an allowance for demolition and site clearance, as well as professional fees. You should also consider increased building costs to meet stringent local council building requirements. If you are unsure of the replacement cost, a builder or architect may be able to assist you.
We also offer a home building calculator{external-link} which you can use to determine independently an appropriate sum insured for your needs, which you can then compare to the estimate provided by us during your quote.
How is my premium calculated?
Your premium is based on a number of things, including:
- What you choose to insure and how much you choose to insure it for
- Where your home is and risk information specific to your location (e.g. the likelihood of a flood, cyclone or bushfire, or crime rates in your suburb)
- Features specific to your home (e.g. building materials, the age of the building, and security features)
- The excess amount you have chosen
- Your age
In most cases, the higher the risk of loss or damage, the higher the insurance premium. The chance of loss or damage is different for everyone, so we calculate your premium based on your individual circumstances.
Useful links
Need help? Our team's here for you. Find answers, make a claim, or update your policy with ease.{sub-heading}