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CommInsure Home & Contents Insurance

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

Mozo editorial review CommInsure Home & Contents Insurance - last updated: 29 September 2021

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What's hot
  • New for old item replacement
  • 15% combined policy discount
  • Automatic flood cover
What's not
  • Extra cost for phone and laptop cover
Mozo snapshot

CommInsure’s Home and Contents Insurance cover provides comprehensive protection for your whole home, inside and out. Including a range of covered events, generous cover limits for your valuables and useful additional extras such as new for old replacement and combined discounts, this policy is worthy of your consideration. 


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Key features

CommInsure provides cover for your home and the contents inside it from a range of insured events - from everyday accidents like a broken window to natural disasters such as bushfires or storms. The policy even provides cover for loss or damage that results from a flood, though it doesn’t cover against a storm surge (rising sea water).

You’ll rest easy knowing that your landscaping costs such as the repair or rebuilding of any gates, fences, walls and pathways are all covered under the CommInsure Home and Contents Insurance policy. However, any trees, plants and lawn won’t be covered.

Outdoor furniture and gardening equipment will be covered (up to 10% sum insured), as will indoor valuables such as cash (up to $500), jewellery and watches (up to 25% sum insured), and spare car or motorcycle parts (up to $1,000).

CommInsure Home and Contents Insurance also comes with a number of beneficial additional features including new for old replacement of contents, veterinary expenses (up to $1,000), and up to 12 months of temporary accommodation for your family, plus $3,000 in pet accommodation cover.

Comminsure also rewards its customers who sign up for a combined Home and Contents Insurance policy with a 15% discount off their premium.

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Who is it good for

With comprehensive event cover and a range of generous additional features, a CommInsure Home and Contents Insurance policy could be a great option for any homeowner seeking top quality cover. 

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Any catches

While many of your valuables will be covered under the policy, you will need to purchase Portable Contents Cover in order to insure your phone and laptop.

And like any insurance policy there will be some general exclusions so be sure that you read the PDS fully to make sure that everything you want covered will be.

Details

Rates and fees information correct as at 17 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 25% of sum insured

Yes

$0

true

yes

Up to 15% online and combined policy discount

Yes

Up to 120 days, up to 20% of sum insured

Up to 10% of sum insured

Up to $20,000,000

n/a

n/a

Events

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Up to 10 years old

Yes

Yes

Yes

No

Yes

Yes

Yes

Yes

Buildings

Yes

No

No

Yes

Contents

Up to $500

No

Yes, excluding electronic files

Yes, hardware only

Yes

Yes

Yes

Yes

Up to 25% of sum insured

No

Yes, passports and title deeds

No

Yes

No

No

No

Other cover

No

Up to $1,000

Reasonable cost

Up to 52 weeks

Up to $3,000

Reasonable cost up to 120 days

Yes

Yes

No

Up to 14 days, contents only

Up to 20% of sum insured

*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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