Residential Home Package
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
Yes - Up to 25% of sum insured
-
New for old replacement
-
Yes
- Underinsurance protection
-
Yes - Up to 25% of sum insured
- New for old
-
Yes
- Building cover
-
- Contents cover
-
n/a
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Up to 10 years old
- Power surge
-
Yes
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
no
- 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
-
Reasonable cost
- Emergency storage
-
Reasonable cost up to 120 days
- Temporary accommodation
-
Up to 52 weeks
- Temporary accommodation for pets
-
Up to $3,000
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
Yes
- Building materials
-
No
- Demolition cost
-
Yes
- Debris removal
-
Yes
- Landscaping
-
No
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
- Other benefits
-
Residential Home Package
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
Yes - Up to 25% of sum insured
-
New for old replacement
-
Yes
- Underinsurance protection
-
Yes - Up to 25% of sum insured
- New for old
-
Yes
- Building cover
-
n/a
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Up to 10 years old
- Power surge
-
Yes
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
Up to 20% of sum insured
- Antiques and valuables
-
Yes
- Cash
-
Up to $500
- Cd dvd and electronic files
-
Yes, excluding electronic files
- Computer software and hardware
-
Yes, hardware only
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
Up to 25% of sum insured
- Personal medical equipment
-
Yes
- Replacement of documents
-
Yes, passports and title deeds
- Tools of trade
-
No
- Lock replacement
-
Reasonable cost
- Emergency storage
-
Reasonable cost up to 120 days
- Temporary accommodation
-
Up to 52 weeks
- Temporary accommodation for pets
-
Up to $3,000
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
Yes
- Debris removal
-
Yes
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
- Other benefits
-
Residential Home Package
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
Yes - Up to 25% of sum insured
-
New for old replacement
-
Yes
- Underinsurance protection
-
Yes - Up to 25% of sum insured
- New for old
-
Yes
- Building cover
-
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Up to 10 years old
- Power surge
-
Yes
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
Up to 20% of sum insured
- Antiques and valuables
-
Yes
- Cash
-
Up to $500
- Cd dvd and electronic files
-
Yes, excluding electronic files
- Computer software and hardware
-
Yes, hardware only
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
Up to 25% of sum insured
- Personal medical equipment
-
Yes
- Replacement of documents
-
Yes, passports and title deeds
- Tools of trade
-
No
- Lock replacement
-
Reasonable cost
- Emergency storage
-
Reasonable cost up to 120 days
- Temporary accommodation
-
Up to 52 weeks
- Temporary accommodation for pets
-
Up to $3,000
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
Yes
- Building materials
-
No
- Demolition cost
-
Yes
- Debris removal
-
Yes
- Landscaping
-
No
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
- Other benefits
-
Your selected home insurance
CBA home insurance ratings
Customer reviews
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My experience has been highly disappointing
My experience with CBA Insurance has been highly disappointing. I invested thousands of dollars over the years, expecting support in times of trouble caused by storms or leaks. The company employs questionable practises by collaborating with fake builders who seem to benefit from a partnership with this dubious insurance provider. Their assessment reports consistently blame issues on "lake of maintenance or tear and ware," a dubious reason that lacks transparency and fairness. I filed two claims, and both were met with the same unfavorable outcome, attributing the problems to maintenance issues or wear and tear. The first claim forced me to personally spend $21,000 to fix the problem. Even after patiently waiting for two years for the second claim, it yielded the same result, showcasing a lack of commitment to customer satisfaction. It's disheartening that CBA allows such practises in its insurance division, tarnishing the bank's reputable image. I strongly advise others to steer clear of this company, as it appears to engage in practises that can only be described as robbery.
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Terrible in all aspects
Insured for over 20 years, never made a claim,we felt comfort in believing we had taken every possible step in life to protect our selves and property if the unforseen was to ever to happen. Since following the Oct 2022 floods where our home and all our contents were completely inundated with the catastrophic disastrous floods we have since discovered it is not that easy. Left homeless following the floods we have had to fight so hard for CBA to pay for temporary accommodation. We found our own accommodation as CBA insurance made no attempt to assist us in finding somewhere to live. At no time did they offer to assist with clean up or send any representative from their company. They did eventually start sending incompetent building service providers out to do sow. Wow they tried to lowball us then didn't even have a project manager, then another building company were employed. Strip out of house DID Not occur for 4 and a half months following the floods. Nine months after the floods finally a loss adjuster and other service providers appointed by CBA met us at the property. Yes 9 months it took for a loss adjuster to turn up. Once again SOW were supposed to be completed but it's almost 12 months, yes you are reading right 12 months and apparently none of these so called professionals have submitted their SOW, or so CBA insurance claim. Delays delays Lies and more lies. Meanwhile trying to ring anyone about the claim , put on hold for two hours then get fed false information, Noone person on the same page. We get ignored constantly. Have tried to ask the question if our temporary accommodation will be continuing after the 52 weeks, no answer. We have four weeks left of our 52 weeks paid accommodation left then what. Homelessness. We are left with a shell of a house that's inhabitable. So much for the warm fuzzy feeling of feeling secure because you have insurance. Biggest trauma of our lives we have been through and we have been treated terrible. Not what we planned for our retirement.
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They don't source competitive repairers.
While they are very quick to organise repairs they are not interested in sourcing competitive quotes or competition to ensure the customer and insurance company is not being over charged. Communicating is lacking requires to the customer to continually phone and wait in a queue each time to make sure they don't just send the first company they source and hence premiums increase each year. I requested their quotes for repairs many times and they were never provided. After much insistence I was able to organise my own quote and repairer.
CBA 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.
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