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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

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: 4 June 2020.

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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

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. Plus if you sign up for this combined insurance policy online, you'll receive a nifty 25% off.

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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 which is simply Coles Home and Contents Insurance and the second version, which 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 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.

Basic excess starts from $300 with this policy and if you do ever have to make a claim, you can rest easy in the knowledge that you'll have 24/7 access to the claims service.


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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 31 October 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

  • 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

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).

Details

Rates and fees information correct as at 31 October 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

  • 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

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).

Customer Reviews

How are Coles home insurance rated by the Mozo community?

Overall
7.9/10
Value for money
8.1/10
Policy coverage
7.7/10
Customer service
7.6/10
Claims handling
6.6/10
Trust
7.5/10

Latest reviews of Coles Home Building & Contents Insurance

  • Overall 8/10
    Good cover

    I'd never had any issues with this provider. Reasonably priced and appropriate cover for what I require. Customer service has been good over the last 3 years.

    Read full review

    I'd never had any issues with this provider. Reasonably priced and appropriate cover for what I require. Customer service has been good over the last 3 years.

    Value for money
    7/10
    Policy coverage
    7/10
    Customer service
    7/10
    Claims handling
    8/10
    Trust
    8/10
    Less
    Belinda, New South Wales reviewed 29 days ago
  • Overall 8/10
    Good

    I found it easy to apply and the costs were reasonable.

    Read full review

    I found it easy to apply and the costs were reasonable.

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    8/10
    Claims handling
    -1/10
    Trust
    8/10
    Less
    Kellyann, New South Wales reviewed about 1 month ago
  • Overall 8/10
    Budget priced Good Value

    Assisted when needed. Overall process was slow but many other people also experienced storm damage at the same time so many folk were trying to get repairs completed too.

    Read full review

    Assisted when needed. Overall process was slow but many other people also experienced storm damage at the same time so many folk were trying to get repairs completed too.

    Value for money
    9/10
    Policy coverage
    9/10
    Customer service
    9/10
    Claims handling
    7/10
    Trust
    8/10
    Less
    Leonie, New South Wales reviewed 2 months ago
  • 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 7 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 12 months ago
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