Home Building Insurance
- Main events covered
-
Fire -
Theft -
Storm -
FloodOptional Extra
-
Monthly payments cost extra
-
Yes
-
Underinsurance protection
-
Optional Extra - Up to 25% of building sum insured
-
New for old replacement
-
Yes
- Underinsurance protection
-
Optional Extra - Up to 25% of building sum insured
- New for old
-
Yes
- Building cover
-
- Contents cover
-
n/a
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Optional Extra
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Optional Extra, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $7,000 funeral expenses
- Monthly payments cost extra
-
Yes
- General contents
-
No
- Contents while moving
-
No
- Antiques and valuables
-
No
- Cash
-
No
- Cd dvd and electronic files
-
No
- Computer software and hardware
-
No
- Camera and accessories
-
No
- Carpets
-
No
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
No
- Personal medical equipment
-
No
- Replacement of documents
-
No
- Tools of trade
-
No
- Lock replacement
-
No
- Emergency storage
-
No
- Temporary accommodation
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.
- Temporary accommodation for pets
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation.
- Temporary repairs
-
Up to 10% of sum insured
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $1,000
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% of sum insured combined with demolition cost
- Landscaping
-
Yes, garden borders, pathways and paved areas.
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
180
- Other restrictions
-
-
- Other benefits
-
Collect double Flybuys points per $1 spent at Coles Supermarkets when you take out a Coles Home Insurance policy and link your Flybuys account. T&Cs apply.
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Home Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
FloodOptional Extra
-
Monthly payments cost extra
-
Yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
n/a
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Optional Extra
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Optional Extra, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $7,000 funeral expenses
- Monthly payments cost extra
-
Yes
- General contents
-
Yes
- Contents while moving
-
Up to 20% of sum insured
- Antiques and valuables
-
Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections
- Cash
-
Up to $800 in total
- Cd dvd and electronic files
-
Up to $3,000 combined with computer software
- Computer software and hardware
-
Hardware yes, software up to $3,000 combined with CDs/DVDs
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Up to $12,000
- Identity theft
-
No
- Jewellery
-
Up to $1,000 per item or set, up to $5,000 in total
- Personal medical equipment
-
Yes
- Replacement of documents
-
No
- Tools of trade
-
Up to $2,000 in total
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 10% of sum insured
- Temporary accommodation
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.
- Temporary accommodation for pets
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation.
- Temporary repairs
-
No
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
No
- Debris removal
-
No
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
180
- Other restrictions
-
-
- Other benefits
-
Collect double Flybuys points per $1 spent at Coles Supermarkets when you take out a Coles Home Insurance policy and link your Flybuys account. T&Cs apply.
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Home Building & Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
FloodOptional Extra
-
Monthly payments cost extra
-
Yes
-
Underinsurance protection
-
Optional Extra - Up to 25% of building sum insured
-
New for old replacement
-
Yes
- Underinsurance protection
-
Optional Extra - Up to 25% of building sum insured
- New for old
-
Yes
- Building cover
-
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Optional Extra
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Optional Extra, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $7,000 funeral expenses
- Monthly payments cost extra
-
Yes
- General contents
-
Yes
- Contents while moving
-
Up to 20% of sum insured
- Antiques and valuables
-
Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections
- Cash
-
Up to $800 in total
- Cd dvd and electronic files
-
Up to $3,000 combined with computer software
- Computer software and hardware
-
Hardware yes, software up to $3,000 combined with CDs/DVDs
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Up to $12,000
- Identity theft
-
No
- Jewellery
-
Up to $1,000 per item or set, up to $5,000 in total
- Personal medical equipment
-
Yes
- Replacement of documents
-
No
- Tools of trade
-
Up to $2,000 in total
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 10% of sum insured combined with debris removal and demolition costs
- Temporary accommodation
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.
- Temporary accommodation for pets
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation.
- Temporary repairs
-
Up to 10% of sum insured
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $1,000
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost and emergency storage
- Debris removal
-
Up to 10% of sum insured combined with demolition cost and emergency storage
- Landscaping
-
Yes, garden borders, pathways and paved areas.
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
180
- Other restrictions
-
-
- Other benefits
-
Collect double Flybuys points per $1 spent at Coles Supermarkets when you take out a Coles Home Insurance policy and link your Flybuys account. T&Cs apply.
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Your selected home insurance
Coles home insurance ratings
Customer reviews
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Manipulated a clause in my policy to avoid payment
A breach in the pipe inside my laundry wall cracked, resulting in water gushing out when the tap was turned on. As it leaked inside the wall behind the laundry cabinet, it was not noticed for some time. It resulted in mould developing in the wall. When I noticed it I contacted Coles and they had a builders assessment done and after the inspection they quoted a repair price. Soon after this they told me that I wasn't covered, as the clause in the water damage policy stated that I am not covered for a" slow leak over time, even if It went unnoticed." After countless phone calls and emails, they refused to honour my claim, even though it wasn't a slow leak over time, it was water gushing out of a crack, when the tap was turned on.
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Not to be Trusted
The Coles claims are handled by IAG Insurance. I had a home burglary. At first the attention to re-secure the house was very good and the tradespeople were very helpful. Receiving payment for stolen items was like pulling teeth. It is still not settled after 14 months. They are tricky beyond belief, including by having a slow response time to each email, by separating each individual item stolen into its own case with multiple staff handling it, by accepting liability but not paying, by lying about the contract I signed, by refusing to answer questions and by asking for the same information over and over. To add insult to injury, they doubled my premium for the following year.
Coles products
Home insurance quick links
* Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
^See information about the Mozo Experts Choice Home Insurance Awards