6.5 / 10

based on 298 reviews as rated by Mozo community

Coles home insurance

Coles has over a century dedicated to giving Aussie families the products and services they need for a happy, healthy home, at prices they can afford.

Safeguard your property and possessions with Cole Home Insurance and enjoy 24/7 online claims service, double flybuys points at Coles supermarkets and a lifetime guarantee on all authorised repairs.

Coles offers the following home insurance

Rates and fees verified as correct at 04 March, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Main Events covered Monthly payments cost extra Underinsurance protection New for old replacement
Home Building & Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home Building & Contents Insurance Plus
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Yes

Up to 30% of sum insured

Yes

Home Building Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home Building Insurance Plus
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Yes

Up to 30% of sum insured

Yes

Home Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home Contents Insurance Plus
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

How is Coles home insurance rated?

Mozo users have rated Coles home insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-insurances
Coles home insurance
Overall
7.9/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

137 Reviews

Recent Coles home insurance reviews

Coles Home Building & Contents Insurance review
Overall 8/10
Plain information, competitive, easy payment.

Was easy to setup and pay for, appeared to cover all we required, and price was competitive. They also gave us more Flyby points and discounts. As for claiming we have never claimed for anything so I am not able to say how good or bad they perform, other than to say I have not seen any reports either way. People should look at the fine print and see that what you want is covered.

Read full review

Was easy to setup and pay for, appeared to cover all we required, and price was competitive. They also gave us more Flyby points and discounts. As for claiming we have never claimed for anything so I am not able to say how good or bad they perform, other than to say I have not seen any reports either way. People should look at the fine print and see that what you want is covered.

Value for money
9/10
Policy coverage
10/10
Customer service
10/10
Trust
10/10
Less
Graeme, New South Wales, reviewed 3 months ago
Coles Home Insurance review
Overall 6/10
Buyer beware.

While their premiums are very competitive, when it came time to make a claim it was a nightmare. We had flooding in the downstairs of our home which required all new flooring. We have never made a claim in over 30 years of having home insurance. Their assessor claimed that the flooding occurred due to lack of maintenance on our part and our claim was initially refused. This caused a lot of stress and as a person suffering from PTSD I did not need this. I obtained in independent building report which stated it was not due to a lack of maintenance and after 6 months from the initial claim lodgement our claim was settled. A very unpleasant experience.

Read full review

While their premiums are very competitive, when it came time to make a claim it was a nightmare. We had flooding in the downstairs of our home which required all new flooring. We have never made a claim in over 30 years of having home insurance. Their assessor claimed that the flooding occurred due to lack of maintenance on our part and our claim was initially refused. This caused a lot of stress and as a person suffering from PTSD I did not need this. I obtained in independent building report which stated it was not due to a lack of maintenance and after 6 months from the initial claim lodgement our claim was settled. A very unpleasant experience.

Value for money
8/10
Policy coverage
8/10
Customer service
5/10
Claims handling
4/10
Trust
6/10
Less
Heather, New South Wales, reviewed 3 months ago
Coles Home Contents Insurance review
Overall 8/10
Easy to deal with

Very competitive price and matched a quote when my renewal came up. Answered policy queries I had at renewal.

Read full review

Very competitive price and matched a quote when my renewal came up. Answered policy queries I had at renewal.

Value for money
9/10
Policy coverage
8/10
Customer service
8/10
Claims handling
9/10
Trust
8/10
Less
Craig, Victoria, reviewed 5 months ago
Coles Home Insurance review
Overall 9/10
I would definitely recommend Coles insurance.

They have remained consistent, my premium is really competitive, I feel confident in them and that they are trustworthy after being around for so long. I was also easily able to add a few high price pieces of jewellery I own.

Read full review

They have remained consistent, my premium is really competitive, I feel confident in them and that they are trustworthy after being around for so long. I was also easily able to add a few high price pieces of jewellery I own.

Value for money
10/10
Policy coverage
9/10
Customer service
9/10
Trust
9/10
Less
Tanya, South Australia, reviewed 5 months ago

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