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Coles Home Building & Contents Insurance

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 loan that suits you best

  • Home Building & Contents Insurance

  • Home Building & Contents Insurance Plus

Fire
Theft or burglary
Flood
Storm
Building cover
true
Contents cover
true
Fire
Theft or burglary
Flood
Storm
Building cover
true
Contents cover
true

Mozo editorial review Coles Home Building & Contents Insurance

Last updated: 12 July 2019.

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What's hot
  • New for old replacement
  • 25% online discount
  • Grocery shopping perks
What's not
  • No underinsurance cover
Mozo snapshot

For many Aussies, a home and contents insurance policy should offer more than just an awesome discount. That’s where the Coles Home and Contents Insurance policy comes in. Aside from receiving a wide range of cover, you’ll also be able to earn stacks of flybuys points faster and 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 the Coles Home and Contents Insurance policy is that it’s available in two versions: Coles Home and Contents Insurance and Coles Home and Contents Insurance Plus. Both policies will cover your home across a range of natural disasters like fires, floods and storms and offer new for old replacement, however, the Coles Home and Contents Insurance Plus policy provides extra cover for your household appliances, accidental loss and damage and an additional 30% of cover against your building’s sum insured amount. 

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. 

You’ll also be able to score a 25% discount just for applying online, plus receive $10 off your grocery bill every time you redeem 2,000 flybuys points. And, when you have a Coles home and Contents insurance policy, you can collect double flybuys points when shopping at Coles.

And if you ever have to make a claim, rest assured you’ll have access to the 24/7 claims service with your choice of excess (basic excess starting from $300).

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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.

Details

Rates and fees information correct as at 30 May 2020. 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

  • $300

  • n/a

  • 25% Online Discount

  • 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

  • Optional Extra, up to 10 years old

Buildings
  • 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/DVD's.

  • 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

  • Up to $1,000

  • Up to $1,000

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

Other cover
  • Up to $5000 for funeral

  • Up to $500

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

  • Up to $500

  • Up to 10% of sum insured combined with demolition cost

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

  • Up to 14 days

Details

Rates and fees information correct as at 30 May 2020. 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

  • $300

  • n/a

  • 25% Online Discount

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

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Up to 10 years old

Buildings
  • 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/DVD's.

  • 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

  • Up to $1,000

  • Up to $2,500

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

Other cover
  • Up to $10,000 for funeral

  • 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

  • Up to 14 days

Customer Reviews

How are Coles home insurance rated by the Mozo community?

Overall customer rating
7.9/10
Value for money
8.1/10
Policy coverage
7.7/10
Customer service
7.6/10
Claims handling
6.5/10
Trust
7.4/10

Latest reviews of Coles Home Building & Contents Insurance

  • Overall 10/10
    Answered all my questions effectively.

    Very good customer service making sure I had the right cost compared to elsewhere.

    Read full review

    Very good customer service making sure I had the right cost compared to elsewhere.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Barbara, Victoria reviewed 2 months ago
  • Overall 10/10
    Best by far.

    Quick and easy to do and so much cheaper than my previous insurer. A great experience.

    Read full review

    Quick and easy to do and so much cheaper than my previous insurer. A great experience.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    -1/10
    Trust
    10/10
    Less
    Rhonda, New South Wales reviewed 7 months ago
  • Overall 10/10
    Great service with a great price.

    Coles offers great service and great prices.

    Read full review

    Coles offers great service and great prices.

    Value for money
    9/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Alyssa, Queensland reviewed 7 months ago
  • Overall 7/10
    Good customer service/sound product knowledge

    Coles insurance is very competitive in price and I have told my family and friends to consider this product. However, I thought the policy covered glass breakage, but it does not. A bit disappointing.

    Read full review

    Coles insurance is very competitive in price and I have told my family and friends to consider this product. However, I thought the policy covered glass breakage, but it does not. A bit disappointing.

    Value for money
    7/10
    Policy coverage
    6/10
    Customer service
    8/10
    Claims handling
    7/10
    Trust
    7/10
    Less
    Leesa, Queensland reviewed about 2 years ago
  • Overall 8/10
    Good value for money

    Good value for money

    Read full review

    Good value for money

    Value for money
    8/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -
    Less
    John, Queensland reviewed almost 3 years ago
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