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Coles Home Building & Contents Insurance

Advertiser disclosure

The details shown below are for the Home Building & Contents Insurance

The details shown below are for the Home Building & Contents Insurance Plus

Choose the version of this product that suits you best

  • Home Building & Contents Insurance

  • Home Building & Contents Insurance Plus

Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover

Mozo editorial review Coles Home Building & Contents Insurance - last updated: 15 January 2021

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What's hot
  • New for old replacement
  • Grocery shopping perks
  • 10% online discount for the first year
What's not
  • No underinsurance on standard cover
Mozo snapshot

As well as offering a wide range of cover, Coles Home and Contents Insurance policy also gives you the option to earn double flybuy points! You'll even get $10 off your weekly grocery shop for every 2,000 flybuys points you redeem.

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Key features

The first thing you should know about this policy is that when you sign up to it, you'll have two versions to choose from. The first version is simply Coles Home and Contents Insurance and the second is Coles Home and Contents Insurance Plus. 

While both policies cover your home for a range of natural disasters including fires, floods and storms and offer new for old replacement, the Plus version goes that little bit further. Coles Home and Contents Insurance Plus offers extra cover for your household appliances, accidental loss and damage, plus another 30% of your sum insured in case it needs to be rebuilt.

Both policies will cover contents such as cash, credit cards, cameras and camera accessories, jewellery and any trade tools you may have. Just keep in mind that you be able to insure these items for a higher amount with the Coles Home and Contents Insurance Plus policy. 

When you have a Coles home and Contents insurance policy, you can collect double flybuys points when shopping at Coles. That means it'll be easier to to get that $10 off your grocery bill every time you redeem 2,000 flybuys points. 

Across all this, you can rest easy in the knowledge that you'll have 24/7 access to the claims service, and you'll receive 10% off your first year's premium when you buy your policy online.


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Who is it good for

The Coles Home and Contents Insurance policy could be a great choice for Aussies looking to get the most value out of their policy through different perks.

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Any catches

The Coles Home and Contents Insurance policy does not provide cover for underinsurance, which could see you having to pay for a portion of any damage if you ever have to make a claim. If you want to avoid this when it comes to your home's structure, you can go with the Plus policy to get the building safety net with adds another 30% on top of the sum insured.

Details

Rates and fees information correct as at 21 October 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features

60

No

Yes

$300

true

n/a

25% Online Discount

Yes

Optional Extra, choose between $1,000 and $5,000

Up to 10% of sum insured

Up to $20,000,000

n/a

n/a

Events

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Optional Extra, up to 10 years old

No

Yes

Yes

No

Yes

Yes

Yes

Yes

Buildings

Yes

No

Up to $2,000 for plants

Up to sum insured

Contents

Up to $200

Up to $1,000

Up to $2,500

Hardware up to $1,000 per item up to $5,000 in total. Software up to $2,500 combined with CD/DVDs.

Yes

Yes

Up to $2,000 per item, up to $5,000 in total

Up to $2,000 per item, up to $5,000 in total

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

No

Up to $1,000

No

Up to $1,000

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

No

No

Other cover

Up to $5000 for funeral

No

Up to $500

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

Up to $500

No

Up to 10% of sum insured combined with demolition cost

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

No

Up to 14 days

Yes

*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.

Details

Rates and fees information correct as at 21 October 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features

60

Yes - Up to 30% of sum insured

Yes

$300

true

n/a

25% Online Discount

Yes

Up to 90 days, up to $2,500 per item, up to 20% of sum insured

Yes

Up to $20,000,000

n/a

n/a

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to 10 years old

No

Yes

Yes

No

Yes

Yes

Yes

Yes

Buildings

Yes

No

Up to $2,000 for plants

Up to sum insured

Contents

Up to $500

Up to $5,000

Up to $2,500

Hardware up to $2,500 per item up to $5,000 in total. Software up to $2,500 combined with CD/DVDs.

Yes

Yes

Up to $2,500 per item, up to $10,000 in total

Up to $2,500 per item, up to $10,000 in total

Up to $2,500 per item, up to 20% of sum insured

No

Up to $1,000

No

Up to $2,500

Up to $2,500 per item, up to $10,000 in total

No

No

Other cover

Up to $10,000 for funeral

No

Up to $2,500

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

Up to $1,000

Up to 12 months

Up to 20% of sum insured combined with demolition cost

Up to 20% of sum insured combined with demolition cost

No

Up to 14 days

Yes

*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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