ING home insurance customer reviews and comparisons for 2025

Q: How do I make a claim with ING Home Insurance?

You can make a claim by calling their claims line at 1800 611 422 . Be sure to have details of the incident and any relevant documents ready to ensure a smooth claims process.

Home Insurance
Main events covered

Fire

Theft

Storm

Flood

Optional Extra

Monthly payments cost extra

Yes

Underinsurance protection

Optional Extra, up to 25% of sum insured

New for old replacement

Yes
No Partner link

Underinsurance protection

Optional Extra, 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

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 for funeral

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 12 months, up to 10% sum insured. 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

60

Other restrictions

Coverage is provided subject to eligibility and name-screening assessment.

Other benefits

-

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.
Contents Insurance
Main events covered

Fire

Theft

Storm

Flood

Optional Extra

Monthly payments cost extra

Yes

Underinsurance protection

No

New for old replacement

Yes
No Partner link

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 for funeral

Monthly payments cost extra

Yes

General contents

Yes

Contents while moving

Up to 20% of sum insured

Antiques and valuables

Artwork - up to $5,000 per item/$12,000 in total. Collections - Up to $2,000 per item or set

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, up to $5,000 in total

Personal medical equipment

Yes

Replacement of documents

No

Tools of trade

Up to $2,000

Lock replacement

Up to $1,000

Emergency storage

Up to 10% of sum insured

Temporary accommodation

Up to 12 months, up to 10% sum insured. 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

60

Other restrictions

Coverage is provided subject to eligibility and name-screening assessment.

Other benefits

-

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 and Contents Insurance
Main events covered

Fire

Theft

Storm

Flood

Optional Extra

Monthly payments cost extra

Yes

Underinsurance protection

Optional Extra, up to 25% of building sum insured

New for old replacement

Yes
No Partner link

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 for funeral

Monthly payments cost extra

Yes

General contents

Yes

Contents while moving

Up to 20% of sum insured

Antiques and valuables

Artwork - up to $5,000 per item/$12,000 in total. Collections - Up to $2,000 per item or set

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, up to $5,000 in total

Personal medical equipment

Yes

Replacement of documents

No

Tools of trade

Up to $2,000

Lock replacement

Up to $1,000

Emergency storage

Up to 10% of sum insured combined with removal of debris and demolition cost

Temporary accommodation

Up to 12 months, up to 10% sum insured. 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 emergency storage and debris removal

Debris removal

Up to 10% of sum insured combined with emergency storage and 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

60

Other restrictions

Coverage is provided subject to eligibility and name-screening assessment.

Other benefits

-

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.

Customer reviews

Important disclosures

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Vesna

New South Wales - over 1 year ago

Product name: Home Insurance

5.0

Cost effective, trustworthy and reliable.

I couldn't be happier with my decision to switch to ING Home Insurance. From the moment I contacted them for a quote, their customer service has been outstanding. The rates offered by ING were highly competitive. I did some comparison shopping before making my decision, and they provided excellent coverage for my home at a price that was not only affordable but also provided great value for the protection it offered. The sign-up process was simple. The representative I spoke with was patient, knowledgeable, and took the time to explain all the policy details and options available to me. They tailored my policy to fit my specific needs, ensuring that I had the right coverage for my home, personal belongings, and liability protection. When its time to lodge a claim, I know ING have a reputation for efficient and hassle-free claims processing. Their website and mobile app make managing my policy and payments incredibly easy. I can access my policy information, pay my premiums, and even contact customer support at my convenience. It's user-friendly and efficient. The customer service at ING has been consistently exceptional, their representatives have been polite, knowledgeable, and quick to assist. ING has provided me with cost-effective coverage, excellent customer service, and a user-friendly experience. My home is protected by a company that genuinely cares about its customers. I highly recommend ING Home Insurance to anyone looking for a trustworthy and reliable insurer.

Price

5.0
Features

5.0
Service

5.0
Convenience

5.0
Trust

5.0

ING Home Insurance FAQs

What is the excess on an ING Home Insurance policy?

ING offers flexible excess options to suit different budgets. To see the specific choices available, the best way is to get a personalised quote online or by calling ING’s customer service team.

Does ING offer landlord insurance?

ING doesn’t offer standalone landlord insurance, but you can add tenant default and tenant theft/malicious damage cover as optional extras to a normal ING home insurance policy. For some smaller-scale landlords, this may provide enough protection, though there are other landlord-specific policies on the market that offer a more tailored level of coverage.

Is there a cooling-off period for ING Home Insurance?

Yes, ING includes a 21-day cooling-off period. If you cancel within 21 days of purchasing or renewing your policy and haven’t made a claim, you’ll receive a full refund.

Does ING offer renters insurance?

Yes, renters insurance is just contents insurance with different marketing. So if you’re a renter and like what ING’s content insurance policy offers, it should serve you just fine!

How do I make a claim with ING Home Insurance?

You can make a claim by calling their claims line at 1800 611 422. Be sure to have details of the incident and any relevant documents ready to ensure a smooth claims process.

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Disclaimer

Important information on terms, conditions and sub-limits

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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