Even if you forget to lock up
Fire
We cover loss and damage to your home caused by fire (including bushfire).
Damage from leaks
We cover damage to your home caused by liquid leaks1, like water from a burst pipe or oil from a broken heater.
Rebuilding your home
We pay to repair or rebuild your home up to the insured amount if it’s damaged by a covered event.
Theft & vandalism
We cover damage to your home from robbery and vandalism, including stolen house keys.
Flood, storm & storm surge
We cover loss or damage to your home caused by flood, rainwater run-off, storm, storm surge and tsunami2.
Emergency repairs
If your home needs urgent repairs after an event we cover, we’re here 24/7 to help keep you safe.
Temporary accommodation
If your home can’t be lived in after a covered event, we pay for temporary accommodation3.
Lightning
We cover damage to your home and power surges caused by lightning.
Moving? Your new home's covered too
If you’re buying a new home in Australia, call us and we can cover it as soon as you sign the contract5.
Demolishing & removing debris
If your home is damaged by a covered event, we pay to demolish and remove the debris (up to 10% of the sum insured).
Broken glass
We cover accidentally broken glass and ceramic in some permanent fixtures, like oven doors and toilets.
Impact damage
We pay for damage to your home caused by impact from things like vehicles and trees4.
Liability for injury or damage
We cover your legal liability in some situations if someone's injured or their property's damaged at your home (up to $20m).
Plants, trees and shrubs
We cover your plants, trees and shrubs if they’re damaged in a covered event6.
Get our highest level of cover with an upgrade to Buildings Plus. Learn more about Buildings Plus, or read the PDS.
There are some things we don't cover
Carpets
We don't cover damage to carpets with Buildings Insurance, but they are covered with Contents Insurance.
Animal damage
We don’t cover damage by your animals, or animals you allow into your home.
When you’re getting a quote
Accidental damage
Add cover for damage to your home from unintentional mishaps, like putting a hole in the wall while moving furniture.
Motor burnout
Add cover for electric motor burnout7 in fixtures and permanently fixed appliances like air con and dishwashers, including parts and labour.
These benefits are automatically included if you upgrade to Buildings Plus. Learn more about Buildings Plus, or or read the PDS.
Choose Home Buildings Plus when you’re getting a quote.
Read our Product Disclosure Statement to see exactly what’s included. It’s just below.
They’ll give you full details on limits, conditions, exclusions and more
Important note for customers in NSW, QLD, TAS & ACT. If you purchased your policy before 21 April 2024 and you either haven't renewed it yet or you last renewed it before 1 July 2024, your cover will be different to the cover described above. Read the Product Disclosure Statement (PDS) relevant to your policy on our policy booklets page, or call us on 132 132 for more information.
Accidental damage cover protects you when things go wrong around your home.
For example, you'd be covered if your child accidentally knocked your TV over and broke the screen. Or if you accidentally put your foot through the ceiling while up in the roof. Whether your building or contents are covered (or both) depends on your policy.
Accidental damage cover can be added as an optional benefit to your Buildings Standard policy. Or, if you upgrade to Buildings Plus, it’s automatically included.
We have a network of partner repairers and suppliers. We engage these preferred repairers to assist in your claims process so they can help in returning you to the position you were in before your claim.
Rest assured that we only engage suitably qualified repairers and leading retailers that we work closely with to assist with your claim. We will also offer a lifetime guarantee on the workmanship of repairs authorised with one of our preferred repairers.
Yes, you can choose who repairs your home.
However, if you decide not to use one of our partner repairers, we won't be able to warrant the workmanship or repairs that are completed, or assist in managing the repairer throughout the repair on timeframes or quality.
We'll also only pay you the fair and reasonable amount that the repairs should cost.
Yes you can.
The calculation that's provided is a guide only. It's up to you to make sure your home is insured for its full replacement value.
However, if you insure your home for more than the cost to repair, replace or rebuild, we only pay the actual cost of repairing, replacing or rebuilding.
We operate in New South Wales, Queensland, Tasmania, the Australian Capital Territory, Western Australia, South Australia and the Northern Territory.
We don’t cover damage caused by water leaking or escaping from a shower recess or shower base. We don’t cover loss from erosion or other earth movements. We don’t cover the costs to repair or replace the item that liquid leaked or escaped from.
We don’t cover actions of the sea, such as tides and waves. Check the PDS for a full list of exclusions. For insured properties in NSW, ACT or Tasmania, if we give you the option to remove cover for flood, rainwater run-off and storm surge from your Building Insurance and you choose to do so, you won’t be covered for loss or damage to your home caused by flood, rainwater run-off or storm surge.
If you’re renting the home, we pay the reasonable extra rent costs for temporary accommodation. If you own and live in your home, we cover the reasonable costs of temporary accommodation. As long as you were living in the damaged home permanently before the incident, we pay for accommodation for up to a year for the Home Buildings Standard policy (or up to two years if you have a Home Buildings Plus policy), or when your home is repaired or replaced (whichever is first). We pay your temporary accommodation costs up to 10% of your sum insured for Home Buildings Standard policies, and up to 20% for Home Buildings Plus. We need to be satisfied your home is unliveable and we need to agree to the cost before you make arrangements.
We don't cover loss or damage caused by tree cutting, lopping or felling, unless it was performed by a professional.
Your interest in the home is covered up to the amount of the deposit until the earliest of 90 days or when the contract settles or terminates. You are only covered if the vendor’s insurance does not provide cover.
Pot plants, lawns and commercially grown plants, trees and shrubs are not covered. We pay up to $1,500 for Buildings Standard, and up to $3,000 for Buildings Plus.
We can cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.
See the full details of the online discount. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year's premium amount.
