What is the difference between sum insured and total replacement cover?

Depending on the building insurance provider and insurance policy options they have you might have the option to choose between a sum insured and total replacement cover. But what exactly does that mean? If you opt for sum insured you'll choose the amount of money that you insure your home for, and your policy premium will be based on this amount. This is the maximum amount your insurer will pay to repair or rebuild your home. If you choose this option, it's vital to get an accurate idea of how much it will cost to repair or replace your home. Total replacement cover , means just that. You don’t set a limit to the cover and the insurer will pay no matter what the cost it is to repair or rebuild your home. Keep in mind, this kind of policy will likely come with a higher price tag.

How do I work out how much to insure my property for?

Underinsurance is a major issue in Australia. It is important to have an accurate estimate of the replacement value of your home should you need to rebuild it. To get an accurate estimate, talk to an architect, builder or property expert. One really important thing to remember is that the cost to insure your home is not the same as the price you paid for your home or property. The land value should be excluded from your calculations - you only need to insure for the value of your home's structure.

Do I need home and contents insurance?

If you will be living in your property it is also a good idea to protect your belongings as well as the building itself. That way, if you're hit by a flood, fire or other disaster and your home and everything in it needs to be replaced, your insurance will cover both. Many home insurance providers have discounted policies when you take out a combined home and contents insurance policy, so you might even be able to snag a great deal by combining them. Head to our home and contents page to review current deals available by major online insurance providers.

How much does building insurance cost?

The cost for your building insurance policy will depend on a number of factors including where the property is located, the property size and whether you want to opt for a sum insured policy or total replacement cover. For example, insuring a house in a flood prone area will likely be more expensive than insuring somewhere else, and a larger house will come with a steeper price tag than a small one. To get a personalised quote, first review the insurance policy information here on Mozo. We outline the key events and limits that are included in each policy to help you find one that looks right for you. Once you’ve compared your options you can get a quote directly from the insurer for your property. They will also be able to answer any specific questions related to your property.

Can I pay by the month for building insurance?

Yes, many building insurance policies come with the option of paying insurance costs on a monthly basis. This can help you budget for the cost of insurance by spreading it out, rather than leaving you scrambling to come up with a lump sum payment. Keep in mind though, you might have to pay extra for the convenience of monthly payments, instead of paying annually upfront, so factor that extra cost into your budget.

How can I reduce the cost of my building insurance?

There are several ways to get cheaper building insurance, without needing to reduce the level of cover you get. Many people opt to reduce lower their sum insured but then find out at the worst possible time that they can no longer afford to rebuild or repair their home to the standard they would like. Rather than reducing the insured amount, there are several things you can do to reduce your insurance costs, these include: Don't auto renew . At renewal time, always take the time to shop around and compare deals. Building insurance providers are just like other businesses and have discounts or incentives that can save you money. Even if you're happy with your current insurer, it’s always a good idea to know what the competition are offering and see if you can use this to haggle a better deal for yourself . No claims discounts . The insurance industry will offer ‘good’ customers big discounts on insurance if you have not made a claim in a set period of time. Check to see if the insurance provider has a no claims discount. Many will also honour the discount provided by your current insurer if you can show proof of existing discounts. Ensure that your property is properly secured . The more secure your property the lower your premium is likely to be. Put locks on doors and windows, install a security alarm or camera and install smoke alarms. Bundle products . You can often secure an additional discount if you have more products with any one insurer. If you are getting building insurance, maybe consider contents insurance as well or think about getting your car insurance moved across at the same time. You can often secure discounts of as much as 20% by bundling and as long as you are getting the same level of cover, that money is better off in your pocket.

Building Insurance | Compare Building Insurance Providers

Home & contents

Building

Contents

Today's top deals

promoted

Get award-winning Home Insurance & save 15%^ just for quoting online

Budget Direct Home Insurance policies let you tailor your policy to suit your lifestyle and your budget. So now you can get cover you need at a price you can afford.

Go to site
Home Buildings Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Optional Extra - Up to 25% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:

Gates and fences:
Happy with this insurance?
Go to site
More info
More info
promoted

Online special - SAVE up to 30%

Save up to 30% when you purchase a combined Woolworths Home and Contents policy online. T&Cs apply.

Go to site
Comprehensive Cover
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 12 months, up to 10% of sum insured

Debris removal:
Up to $15,000 combined with demolition cost

Demolition cost:
Up to $15,000 combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:
Up to $1,500 for plants

Gates and fences:
Up to sum insured
Happy with this insurance?
Go to site
More info
More info
promoted

Simple, online quoting with Allianz with up to 10% discount when you buy online. Quick and easy claims service 24/7

Go to site
Building Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 12 months, up to 10% of sum insured combined with debris removal cost

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:
Retaining walls and pathways covered. Up to $5,000 for plants.

Gates and fences:
Find out more
More info
More info
Advertisement
promoted

Home insurance that rewards you

Protect your house. Reward yourself. Take out a Youi home insurance policy and get access to YouiRewards. T&C's apply.

Go to site
Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $500

Temporary accommodation:
Up to 12 months, up to 12% of sum insured

Debris removal:
Up to 20% of sum insured combined with demolition and professional fee costs.

Demolition cost:
Up to 20% of sum insured combined with debris removal and professional fee costs
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:

Gates and fences:
Happy with this insurance?
Go to site
More info
More info
promoted

Join the 1,000’s of Australians saving with Real Insurance. Buy online and save up to 10%.

Home Insurance to protect the home that keeps you safe – Real’s home and contents insurance covers anything from broken windows to bushfires. We can even help protect your valuables when you’re out and about.

Go to site
Essential Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $500

Temporary accommodation:
Up to 12 months, up to 10% of sum insured

Debris removal:
Up to $10,000 combined with demolition cost

Demolition cost:
Up to $10,000 combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:
Up to $750 for plants

Gates and fences:
Happy with this insurance?
Go to site
More info
More info
promoted

Save 10% off your contents insurance if you buy online

Ozicare Home and Contents Insurance policies let you tailor your policy to suit your lifestyle and your budget. So now you can get cover you need at a price you can afford.

Go to site
Contents Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
Yes

Cash:
Up to $500

Cd dvd and electronic files:
Up to $3,000 combined with computer software

Computer software hardware:
Hardware yes, software up to $3,000 combined with CD's/DVD's

Camera and accessories:

Carpets:

Antiques and valuables:
Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections

Jewellery:
Up to $1,000 per item, up to $5,000 in total

Replacement of documents:

Tools of trade:
Up to $2,000

Contents while moving:
Up to 20% of sum insured

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.

Debris removal:
Up to 10% of sum insured combined with emergency storage cost

Demolition cost:
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:

Gates and fences:
Happy with this insurance?
Go to site
More info
More info
promoted

Save 15% when you combine Home and Contents Insurance and buy online.

There’s no place like home. So make sure it’s insured.

Go to site
Home & Contents Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Optional Extra - Up to 25% of building sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
Yes

Cash:
Up to $500

Cd dvd and electronic files:
Up to $3,000 combined with computer software

Computer software hardware:
Hardware yes, software up to $3,000 combined with CD's/DVD's

Camera and accessories:

Carpets:

Antiques and valuables:
Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections

Jewellery:
Up to $1,000 per item, up to $5,000 in total

Replacement of documents:

Tools of trade:
Up to $2,000

Contents while moving:
Up to 20% of sum insured

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:

Gates and fences:
Happy with this insurance?
Go to site
More info
More info

AAMI - Home Building Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Optional extra - full building replacement

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 12 months, up to 10% of sum insured

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:
Yes, retaining walls, garden borders, pathways and paved areas.

Gates and fences:
Find out more
More info
More info
ANZ - Home Buildings Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Yes - full building replacement

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 12 months combined with temporary accommodation for pets

Debris removal:
Yes, combined with demolition costs

Demolition cost:
Yes, combined with debris removal costs
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:
Yes, retaining walls, pathways and driveways. Up to $2,000 for plants.

Gates and fences:
Find out more
More info
More info
Apia - Home Extra Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 52 weeks, up to 20% of sum insured combined with Temporary Accommodation for Pets

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:
Up to $300 per plant up to $3,000

Gates and fences:
Find out more
More info
More info
Advertisement
Apia - Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 52 weeks, up to 20% of sum insured combined with Temporary Accommodation for Pets

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:
Up to $200 per plant up to $2,000

Gates and fences:
Find out more
More info
More info
Australia Post - Gold Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Optional Extra - Up to 25% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:

Gates and fences:
Find out more
More info
More info
Bankwest - Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Yes - Up to 25% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 52 weeks

Debris removal:

Demolition cost:
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:

Gates and fences:
Up to sum insured
Find out more
More info
More info
Bendigo Bank - Bronze Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:

Gates and fences:
Find out more
More info
More info
Bendigo Bank - Gold Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:
Up to $1,500 for plants

Gates and fences:
Find out more
More info
More info
Bendigo Bank - Silver Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:
Up to $750 for plants

Gates and fences:
Find out more
More info
More info
Beyond Bank - Classic Home Insurance (home only)
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:
Up to $2,000

Gates and fences:
Find out more
More info
More info
Beyond Bank - Prestige Home Insurance (home only)
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $2,000

Temporary accommodation:

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:
Up to $5,000

Gates and fences:
Find out more
More info
More info
Beyond Bank - Vital Home Insurance (home only)
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:

Gates and fences:
Find out more
More info
More info
CGU - Accidental Damage Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:
Up to $1,500 for plants

Gates and fences:
Find out more
More info
More info
CGU - Fundamentals Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:

Gates and fences:
Find out more
More info
More info
CGU - Listed Events Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:
Up to $750 for plants

Gates and fences:
Find out more
More info
More info
Coles - Home Building Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $500

Temporary accommodation:
Up to 12 months, up to 10% of sum insured

Debris removal:
Up to 10% of sum insured combined with demolition cost and temporary accommodation cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:
Up to $2,000 for plants

Gates and fences:
Up to sum insured
Find out more
More info
More info
Coles - Home Building Insurance Plus
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Yes - Up to 30% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $2,500

Temporary accommodation:
Up to 12 months, up to 10% of sum insured

Debris removal:
Up to 20% of sum insured combined with demolition cost

Demolition cost:
Up to 20% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:
Up to $2,000 for plants

Gates and fences:
Up to sum insured
Find out more
More info
More info
Comminsure - Residential Home Package
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Yes - Up to 25% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Reasonable cost

Temporary accommodation:
Up to 52 weeks

Debris removal:

Demolition cost:
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:

Gates and fences:
Find out more
More info
More info
GIO - Classic Extra Home
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Yes - Up to 25% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

Debris removal:
Up to 15% of sum insured combined with demolition cost

Demolition cost:
Up to 15% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:
Yes, retaining walls, garden borders, pathways and paved areas. Up to $1,000 for plants

Gates and fences:
Find out more
More info
More info
GIO - Classic Home
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Optional Extra - Up to 25% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $500

Temporary accommodation:
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $500

Landscaping:
Yes, retaining walls, garden boarders, pathways and paved areas.

Gates and fences:
Find out more
More info
More info
GIO - Platinum Home
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Yes - Up to 30% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $2,500

Temporary accommodation:
Up to 24 months, up to 10% of sum insured combined with temporary accommodation for pets

Debris removal:
Up to 20% of sum insured combined with demolition cost

Demolition cost:
Up to 20% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $2,000

Landscaping:
Yes, retaining walls, garden borders, pathways and paved areas. Up to $2,000 for plants

Gates and fences:
Find out more
More info
More info
Hume Bank - Building Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 10% of sum insured, up to 12 months.

Debris removal:
Up to 10% of sum insured combined with demolition

Demolition cost:
Up to 10% of sum insured combined with debris removal
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:
Up to $5,000 for plants

Gates and fences:
Find out more
More info
More info
ING - Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Optional Extra, up to 25% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 12 months, up to 10% sum insured. Combined with temporary accommodation.

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:

Gates and fences:
Find out more
More info
More info
NAB - NAB Home Insurance Essentials
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:

Debris removal:
Up to 10% of sum insured combined with demolition cost and temporary accommodation cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost and temporary accommodation cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:

Gates and fences:
Find out more
More info
More info
NAB - NAB Home Insurance Package
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:

Debris removal:
Up to 10% of sum insured combined with demolition cost and temporary accommodation cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost and temporary accommodation cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:

Gates and fences:
Find out more
More info
More info
National Seniors - Classic Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 12 months, up to 10% of sum insured

Debris removal:
Up to 10% of sum insured

Demolition cost:
Up to 10% of sum insured
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:
Up to $2,000 for plants

Gates and fences:
Find out more
More info
More info
National Seniors - Prestige Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $2,000

Temporary accommodation:
Up to 12 months, up to 10% of sum insured

Debris removal:
Up to 10% of sum insured

Demolition cost:
Up to 10% of sum insured
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:
Up to $5,000 for plants

Gates and fences:
Find out more
More info
More info
National Seniors - Vital Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 12 months, up to 10% of sum insured

Debris removal:
Up to 10% of sum insured

Demolition cost:
Up to 10% of sum insured
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:

Gates and fences:
Find out more
More info
More info
NRMA - Home Buildings Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 12 months

Debris removal:

Demolition cost:
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:

Gates and fences:
Find out more
More info
More info
NRMA - Home Plus Buildings Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Yes - Up to 25% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 24 months

Debris removal:

Demolition cost:
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $5,000

Landscaping:
Up to $2,000 for plants

Gates and fences:
Find out more
More info
More info
Ozicare - Home Buildings Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Optional Extra - Up to 25% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.

Debris removal:
Up to 10% of sum insured combined with demolition cost and emergency storage cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:

Gates and fences:
Happy with this insurance?
Go to site
More info
More info
People's Choice Credit Union - Accidental Damage Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:
Up to $1,500 for plants

Gates and fences:
Find out more
More info
More info
People's Choice Credit Union - Listed Events Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:
Up to $750 for plants

Gates and fences:
Find out more
More info
More info
QBE - Home Cover
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Yes - Up to 30% of sum insured for natural disasters

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $500

Temporary accommodation:
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

Debris removal:
Yes, combined with demolition costs

Demolition cost:
Yes, combined with debris removal costs
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $2,000

Landscaping:
Yes, pathways. Up to $500 per plant and $1,500 in total

Gates and fences:
Find out more
More info
More info
QBE - Home Cover Prestige
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Yes - Up to 30% of sum insured for natural disasters

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $2,500

Temporary accommodation:
Up to 10% of sum insured combined with temporary accommodation for pets

Debris removal:
Yes, combined with demolition costs

Demolition cost:
Yes, combined with debris removal costs
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $2,000

Landscaping:
Yes, pathways. Up to $500 per plant and $1,500 in total

Gates and fences:
Find out more
More info
More info
RAA - Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 12 months, up to 10% of sum insured

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $500

Landscaping:

Gates and fences:
Up to 10% of sum insured
Find out more
More info
More info
RAC - Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 12 months

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $2,000

Landscaping:
Storm damage to trees and shrubs, up to $500

Gates and fences:
Find out more
More info
More info
RACQ - Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 12 months, up to 10% of sum insured

Debris removal:
Up to 20% of sum insured combined with demolition cost

Demolition cost:
Up to 20% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:
Up to $1,000 for plants

Gates and fences:
Find out more
More info
More info
RACT - Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Yes - Up to 25% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 10% of sum insured

Debris removal:
Up to 15% of sum insured combined with demolition cost

Demolition cost:
Up to 15% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000, when stored and locked

Landscaping:
Up to $1,000 for plants

Gates and fences:
Find out more
More info
More info
RACV - Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 12 months

Debris removal:

Demolition cost:
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:

Gates and fences:
Find out more
More info
More info
Real Insurance - Top Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 12 months, up to 10% of sum insured

Debris removal:
Up to $15,000 combined with demolition cost

Demolition cost:
Up to $15,000 combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:
Up to $1,500 for plants

Gates and fences:
Happy with this insurance?
Go to site
More info
More info
SGIC - Home Buildings Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 12 months

Debris removal:

Demolition cost:
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:

Gates and fences:
Find out more
More info
More info
SGIC - Home Plus Buildings Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Yes - Up to 25% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 24 months

Debris removal:

Demolition cost:
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $5,000

Landscaping:
Up to $2,000 for plants

Gates and fences:
Find out more
More info
More info
SGIO - Home Buildings Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 12 months

Debris removal:

Demolition cost:
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:

Gates and fences:
Find out more
More info
More info
SGIO - Home Plus Buildings Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Yes - Up to 25% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 24 months

Debris removal:

Demolition cost:
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $5,000

Landscaping:
Up to $2,000 for plants

Gates and fences:
Find out more
More info
More info
Shannons - Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:
Up to $1,000

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 20% of sum insured, up to 12 months combined with temporary accommodation for pets

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:
Up to $2,000 for plants and garden beds

Gates and fences:
Find out more
More info
More info
Suncorp - Classic Advantages Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Yes - Up to 30% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $2,500

Temporary accommodation:
Up to 24 months, up to 10% of sum insured combined with temporary accommodation for pets

Debris removal:
Up to 20% of sum insured combined with demolition cost

Demolition cost:
Up to 20% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $2,000

Landscaping:
Up to $2,000 for plants

Gates and fences:
Find out more
More info
More info
Suncorp - Classic Extras Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Yes - Up to 25% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

Debris removal:
Up to 15% of sum insured combined with demolition cost

Demolition cost:
Up to 15% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:
Up to $1,000 for plants

Gates and fences:
Find out more
More info
More info
Suncorp - Classic Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Optional Extra - Up to 25% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $500

Temporary accommodation:
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $500

Landscaping:
Up to $500 for plants

Gates and fences:
Find out more
More info
More info
Virgin Money - Home Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Optional Extra - Up to 25% of building sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:

Gates and fences:
Find out more
More info
More info
Westpac - Essential Care Residential
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Yes - Up to 10% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to $10,000

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:

Gates and fences:
Find out more
More info
More info
Westpac - Premier Care Residential
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Yes - Up to 30% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $2,000

Temporary accommodation:
Up to 12 months, up to 10% of sum insured

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $2,000

Landscaping:
Up to $10,000 for plants

Gates and fences:
Find out more
More info
More info
Westpac - Quality Care Residential
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Yes - Up to 20% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $1,000

Temporary accommodation:
Up to 12 months, up to 10% of sum insured

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:

Gates and fences:
Find out more
More info
More info
Woolworths - Standard Cover
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:
Up to $500

Temporary accommodation:
Up to 12 months, up to 10% of sum insured

Debris removal:
Up to $10,000 combined with demolition cost

Demolition cost:
Up to $10,000 combined with debris removal cost
Other events covered

Accidental loss and damage:

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:

Landscaping:
Up to $750 for plants

Gates and fences:
Up to sum insured
Happy with this insurance?
Go to site
More info
More info
1st for Women - Home Buildings Insurance
Main events covered
- Fire
- Theft
- Storm
- Flood (optional)
Underinsurance
protection
Optional Extra - Up to 25% of sum insured

Pay monthly
at no cost

New for old
replacement
Items covered

General contents:
No

Cash:

Cd dvd and electronic files:

Computer software hardware:

Camera and accessories:

Carpets:

Antiques and valuables:

Jewellery:

Replacement of documents:

Tools of trade:

Contents while moving:

Lock replacement:

Temporary accommodation:
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.

Debris removal:
Up to 10% of sum insured combined with demolition cost

Demolition cost:
Up to 10% of sum insured combined with debris removal cost
Other events covered

Accidental loss and damage:
Optional extra

Accidental breakage of glass:

Lightning:

Earthquake:

Storm surge:
Building cover

Buildings and structural improvements:

Building materials:
Up to $1,000

Landscaping:

Gates and fences:
Find out more
More info
More info

See more home insuranceSee less home insurance

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

NRMA

NRMA Buildings Insurance review

Overall rating 5 / 10

Average premiums and usually pay claims.

They are your average run of the mill insurance company, nothing special but consistent.

Full review

Value for money 5 / 10

Policy coverage 6 / 10

Customer service 5 / 10

Claims handling 6 / 10

Trust 5 / 10

Less

Steve, New South Wales, reviewed about 2 months ago

Budget Direct

Budget Direct Home Buildings Insurance review

Overall rating 8 / 10

Great rates.

Budget Direct have very competitive rates. We've been with them for 2 years and they seem great.

Value for money 9 / 10

Policy coverage 9 / 10

Customer service 9 / 10

Trust 9 / 10

Graham, New South Wales, reviewed about 2 months ago

Allianz

Allianz Building Insurance review

Overall rating 10 / 10

Very competitive.

They came in a lot lower with their premiums than some of the others.

Value for money 10 / 10

Policy coverage 10 / 10

Customer service 10 / 10

Trust 10 / 10

Kevin, Queensland, reviewed about 2 months ago

Load more reviews

Building insurance deals

Today's top deals

Get award-winning Home Insurance & save 15%^ just for quoting online

Home Buildings Insurance

Items covered

Other events covered

Building cover

Happy with this insurance?

Online special - SAVE up to 30%

Comprehensive Cover

Items covered

Other events covered

Building cover

Happy with this insurance?

Building Insurance

Items covered

Other events covered

Building cover

Home insurance that rewards you

Home Insurance

Items covered

Other events covered

Building cover

Happy with this insurance?

Join the 1,000’s of Australians saving with Real Insurance. Buy online and save up to 10%.

Essential Home Insurance

Items covered

Other events covered

Building cover

Happy with this insurance?

Save 10% off your contents insurance if you buy online

Contents Insurance

Items covered

Other events covered

Building cover

Happy with this insurance?

Save 15% when you combine Home and Contents Insurance and buy online.

Home & Contents Insurance

Items covered

Other events covered

Building cover

Happy with this insurance?

AAMI - Home Building Insurance

Items covered

Other events covered

Building cover

ANZ - Home Buildings Insurance

Items covered

Other events covered

Building cover

Apia - Home Extra Insurance

Items covered

Other events covered

Building cover

Apia - Home Insurance

Items covered

Other events covered

Building cover

Australia Post - Gold Home Insurance

Items covered

Other events covered

Building cover

Bankwest - Home Insurance

Items covered

Other events covered

Building cover

Bendigo Bank - Bronze Home Insurance

Items covered

Other events covered

Building cover

Bendigo Bank - Gold Home Insurance

Items covered

Other events covered

Building cover

Bendigo Bank - Silver Home Insurance

Items covered

Other events covered

Building cover

Beyond Bank - Classic Home Insurance (home only)

Items covered