Hume Bank Home & Contents Insurance

This product is available in different versions. Pick the right version for you here.

The details shown below are for the Vital Home & Contents

The details shown below are for the Classic Home & Contents

The details shown below are for the Prestige Home & Contents

Choose the version of this loan that suits you best

  • Vital Home & Contents

  • Classic Home & Contents

  • Prestige Home & Contents

Optional extra

Hume Bank Home & Contents Insurance

Optional extra

Optional extra

Hume Bank Home & Contents Insurance

Optional extra

Optional extra

Hume Bank Home & Contents Insurance

Optional extra

Mozo Review   Hume Bank Home & Contents Insurance Review

Last updated: 2 July 2019.

What's hot:
  • 10% online discount

  • Up to 30% no claim discount

  • Combined policy discount

What's not:
  • No underinsurance cover

Mozo snapshot:

Hume Bank’s Home & Contents Insurance comes with a range of benefits and optional extras that could be just what you’ve been looking for. The insurance is available in three different tiers which vary in price and coverage, Vital, Classic or Prestige. No matter which cover you get, when you apply online for Hume Bank Home & Contents Insurance, you’ll receive a 10% discount. And while we’re on the topic of discounts, not only are you receiving 10% off your premium when you buy both buildings and contents insurance on the same policy, customers can get up to 30% off if they make no claims within a designated period of time. Talk about savings!

Key features:

Home & Contents Insurance offered by Hume Bank has you covered for a range of events, even with its most basic cover. Across all tiers you are covered for incidents like fire or smoke, impact damage, theft or burglary and storm and lightning damage. However, it’s important to note that whether you take only take out Hume Bank Vital Home & Contents Insurance or dive in and invest in Prestige Home & Contents Insurance, you won’t be covered for any flood damage to your home and whats inside it unless you choose it as an optional extra. 

As the name indicates Hume Bank’s Vital Home & Contents insurance covers you for all the basics you need when insuring your home. But there are a few small catches to be mindful of if you opt for this level of cover. While you are covered for things like credit card fraud or legal liability, the total amount covered is half of that of both the Classic and Prestige Home & Contents tiers offered by Hume Bank. Similarly, if you’ve just renovated your backyard, while any gates and fences on your property are covered with Vital insurance, landscaping isn’t, so any damage costs will come straight from your pocket. 

With Classic Home & Contents Insurance offered by Hume Bank, while you may pay a higher premium than Vital cover, you’ll receive a wider range of cover from landscaping up to $2,000 and to your fridges’ motor that has fusion damage and shuts down. Keep in mind though, if you need to leave your home to go to temporary accommodation, this policy will partially cover you and your pets for up to 12 months but won’t cover any transit costs or your contents while moving. 

Prestige Home & Contents Insurance has the largest range of cover out of the three versions offered by Hume Bank. Everyone can be a bit clumsy with their belongings sometimes, so unlike the lower tiers of this insurance, Prestige cover includes any accidental loss or damage of contents (unless specifically excluded). Similarly, you can get up to $5,000 cover for any fraudulent use of lost or stolen credit cards. But, although Hume Bank covers you for a widest range of events with Prestige Home & Contents, in the case of a power or storm surge you aren’t covered. This also applies across the lower tiers of this insurance as well.  

Who it's good for:

Hume Bank’s Home & Contents insurance could be perfect for anyone who wants the flexibility to choose a policy that is right for them with three different versions, while also having the option to pay their premium monthly.

Any catches?

There is no underinsurance cover, so be sure to let Hume Bank know of any adjustments you make to your home to prevent you from having to cover a portion of the cost in the event of a claim.

Details

Rates and fees information correct as at 16 October 2019. 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

  • $500

  • 10% online discount. No claim bonus

  • Up to 90 days, up to 20% of sum insured

  • Up to $1,000

  • Up to $10,000,000

  • n/a

  • n/a

Events
  • Optional extra

  • Optional extra

Buildings
  • Up to $1,000

Contents
  • Up to $250

  • Up to $2,500

  • Up to $2,500

  • Up to $5,000 per item, up to $7,500 for all special items

  • Up to $5,000 per item, up to $7,500 for all special items

  • Up to $2,000 per item, up to $7,500 for all special items

  • Up to $5,000 per item, up to $7,500 for all special items

  • Up to $2,500

  • Up to $1,500

  • Up to $10,000

Other cover
  • $10,000 for death, up to $1,000 for fractures

  • Up to $500

  • Up to $1,000

  • Up to 12 months, up to 10% of sum insured combined with debris removal cost

  • Up to $500

  • Up to 12 months

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

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

  • Up to 14 days

Details

Rates and fees information correct as at 16 October 2019. 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

  • $500

  • 10% online discount. No claim bonus

  • Up to 90 days, up to 20% of sum insured

  • Up to $1,000

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Optional extra

  • Optional extra

  • Up to 10 years old

Buildings
  • Up to $1,000

  • Up to $2,000

Contents
  • Up to $500

  • Up to $5,000

  • Up to $2,500

  • Up to $5,000 per item, up to $7,500 for all special items

  • Up to $5,000 per item, up to $7,500 for all special items

  • Up to $2,000 per item, up to $7,500 for all special items

  • Up to $5,000 per item, up to $7,500 for all special items

  • Up to $2,500

  • Up to $1,500

  • Up to $10,000

Other cover
  • $10,000 for death, up to $1,000 for fractures

  • Up to $500

  • Up to $1,000

  • Up to 12 months, up to 10% of sum insured combined with debris removal cost

  • Up to $500

  • Up to 12 months

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

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

  • Up to 14 days

Details

Rates and fees information correct as at 16 October 2019. 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

  • $500

  • 10% online discount. No claim bonus

  • Up to 90 days, up to 20% of sum insured

  • Up to $1,000

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Optional extra

  • Up to 12 years old

Buildings
  • Up to $1,000

  • Up to $5,000

Contents
  • Up to $1,000

  • Up to $5,000

  • Up to sum insured

  • Up to $5,000 per item, up to 20% of sum insured for all special items

  • Up to $5,000 per item, up to 20% of sum insured for all special items

  • Up to $2,000, up to 20% of sum insured for all special items

  • Up to $5,000 per item, up to 20% of sum insured for all special items

  • Up to $2,500

  • Up to $1,500

  • Up to $10,000

Other cover
  • $10,000 for death, up to $1,000 for fractures

  • Up to $500

  • Up to $2,000

  • Up to 12 months, up to 10% of sum insured combined with debris removal cost

  • Up to $500

  • Up to 12 months

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

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

  • Up to 14 days

Customer Reviews

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Hume Bank

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