Keep your home and belongings protected against loss and damage from risks such as flood, fire, storm and theft, as well as minor mishaps from accidental damage. Valuable items, such as jewellery and electronics, can also be covered 24/7 away from home - and even when travelling.

Find out how building and contents insurance for home owners can help to minimise any significant financial impact upon you and your family should an unforeseen event occur.

PROTECT THE THINGS THAT MATTER MOST
Buildings
Includes residential homes, garages, in ground swimming pools and spas, pergolas, landscaping, retaining walls, gates, fences, external awnings shutters and more
Contents
Includes furniture, appliances, clothing, personal effects, jewellery, watches, paintings, rugs, garden equipment, bicycles, sporting equipment, antiques, collections, carpets, curtains, blinds and more
Valuable items
Optional cover for items you take away from home. Jewellery and watches, portable computers, cameras, bicycles and more

FIND A LEVEL OF COVER THAT’S RIGHT FOR YOU

Get more choice and greater coverage from a range of leading Australian and international insurers.
View the comparison table below to compare options and see what’s covered:

Vital Protect Listed Events Base Essentials Listed Events Listed Events Accidental Damage Accidental Damage
Level of Cover (click here) Basic Standard Standard Intermediate Intermediate Comprehensive Comprehensive
Accidental loss damage
Fire
Explosion
Smoke
Theft and burglary
Storm
Flood Optional
Malicious damage
Earthquake
Lightning
Actions of the sea
Impacts
Escape of liquid
Riot or civil commotion
Electric motor burnout
Accidental breakage of glass
Limit of Legal Liability $20 Million $30 Million $30 Million $30 Million $30 Million $30 Million $30 Million
Vital Protect Listed Events Base Essentials Listed Events Listed Events Accidental Damage Accidental Damage
Level of Cover (click here) Basic Standard Standard Intermediate Intermediate Comprehensive Comprehensive
Removal of debris
Alternative accomodation Up to 10% of building sum insured Up to 10% of building sum insured Up to 10% of building sum insured Up to 20% of building sum insured Up to 20% of building sum insured Up to 20% of building sum insured Up to 20% of building sum insured
Building sum insured safeguard Up to 30% more than building sum insured Up to 30% more than building sum insured Up to 30% more than building sum insured Up to 30% more than building sum insured Up to 30% more than building sum insured
Replacement of locks and keys $1,250 $750 $1,250 $1,500 $1,250
Trees. Shrubs & plants $1.000 per item / $5,000 in total $200 per item / $2,000 in total $1.000 per item / $5,000 in total $1.000 per item / $5,000 in total $1.000 per item / $5,000 in total
Archtects, surveyors, engineers and legal fees to reinstate building after loss
Building materials unfixed $2,000 $2,000 $2,000 $2,000 $2,000
Envirinmental upgrade benefit $5,000 $5,000 $7,500 $5,000 $5,000
Tax audit $5,000 $5,000 $5,000 $5,000 $5,000
Legal defence costs
Vet expenses $500 $1,000 $1,250 $1,000 $1,250
Location costs for bursting / leaking water
Certificate of title replacemnet $2,000 $2,000
Extend cover to contracting purchaser
Unoccupancy 90 days 90 days 60 days 90 days 100 days 100 days 100 days
Vital Protect Listed Events Base Essentials Listed Events Listed Events Accidental Damage Accidental Damage
Level of Cover (click here) Basic Standard Standard Intermediate Intermediate Comprehensive Comprehensive
Removal of debris
Alternative accomodation $1,000 or 20% of contents sum insured Up to 10% of contents sum insured $1,000 or 20% of contents sum insured Up to 20% of contents sum insured $20,000 or 20% of contents sum insured Up to 20% of contents sum insured
Cover for contents away from home Up to 90 days in Australia Up to 120 days in Australia Up to 90 days in Australia Up to 180 days in Australia Up to 180 days anywhere in the world Up to 100 days anywhere in the world
Contents in the open air $5,000 or 8% of contents sum insured $2,000 for named events $5,000 or 8% of contents sum insured $5,000 or 8% of contents sum insured
Replacement of locks and keys $1,250 $750 $1,250 $1,500
Identity fraud $5,000 $5,000 $5,000
Illegal use of credit or financial transaction cards $5,000 $1,500 $5,000 $5,000 $5,000 $7,500
Cash, coins & negotiable instruments $1,200 $500 $1,200 $1,200 $1,500 $2,000
Visitors contents $5,000 $1,000 $5,000 $5,000 $5,000 $5,000
Security firm attandance for monitored alarm $1,250 $1,250 $1,250 $2,500 $2,500
Equipment used for earning your income $5,000 $3,000 $5,000 $5,000 $7,500 $7,500
Office and surgery equipment in the home $10,000
Fire brigade costs $500 $500 $500 $500
Counselling after an event $1,500 $1,000 $1,000
Computer data $1,000 $1,000 $2,000 $2,000
Spoilage of refrigerated food or medicine $500
Moving your contents to a new home 45 days 60 days 45 days 60 days 45 days 60 days
Contents in transit to new residence or storage facility $5,000
Contents in a commercial storage facility
Accessories & spare parts $1,500 per item / $2,500 in total $500 $1,500 per item / $2,500 in total $1,500 per item / $2,500 in total $2,000 per item / $4,000 in total $2,000 per item / $4,000 in total
Surfboards, sailboards, surf skis & kayaks Up to 4 metres Up to 3 metres Up to 4 metres Up to 4 metres Up to 4 metres Up to 4 metres
Unregisterd vehicles & equipment eg. mobility scooter, ride on mower etc.
Damaged documents in bank vault or home
Bicycles $1,500
Tax audit $5,000 $5,000 $5,000 $5,000 $5,000
Legal defence costs $5,000 $5,000
Vet expenses $500 $1,000 $1,250 $1,000 $1,250
Unoccupancy 90 days 90 days 60 days 90 days 100 days 100 days 100 days
Vital Protect Listed Events Base Essentials Listed Events Listed Events Accidental Damage Accidental Damage
Level of Cover (click here) Basic Standard Standard Intermediate Intermediate Comprehensive Comprehensive
Jewellery and watches (1)* Up to $1,000 for any one item or Collection, up to a limit of $3,000 in total any one Insured event $1,000 per item and up to a combined total of $10,000 for items (1)* (2)* and (3)* $1,500 per item and in total $6,000 for items (1)* (2)* and (4)* $5,000 per item and up to 25% in total of the contents sum insured. $5,000 per item and in total 25% of the sum insured for contents $10,000 per item, pair or set and up to 25% in total of the contents sum insured. $10,000 per item and in total 25% of the sum insured for unspecified contents
items that contain gold or silver (this does not include items thinly covered with gold or silver) (2)* $1,000 per item and up to a combined total of $10,000 for items (1)* (2)* and (3)* $1,500 per item and in total $6,000 for items (1)* (2)* and (4)* $5,000 per item and up to 25% in total of the contents sum insured. $5,000 per item and in total 25% of the sum insured for contents $10,000 per item, pair or set and up to 25% in total of the contents sum insured. $10,000 per item and in total 25% of the sum insured for unspecified contents
Memorabilia, stamps, collectors pins, medals and collectors non-negotiable currency. (3)* Up to $2,000 for any one item or Collection, to a limit of $10,000 in total any one Insured event. $5,000 per collection and up to a combined total of $10,000 for items (1)* (2)* and (3)* $4,000 per collection and in total 20% of the sum insured for unspecified contents $10,000 per item, pair,set or collection and up to 25% in total of the contents sum insured. $10,000 per collection and in total 25% of the sum insured for contents $10,000 per item, pair,set or collection and up to 25% in total of the contents sum insured. $20,000 per collection and in total 25% of the sum insured for unspecified contents
CD’s, DVD’s, flash cards, digital media cards, audio and video tapes, records, computer disks, computer software, game cartridges and game consoles Up to $2,500 in total any one insured event
Hand woven carpet and rugs up to $2,000 per item, up to a limit of $10,000 in total any one Insured event;
Paintings, pictures, works of art, sculptures or art objects up to $5,000 for any item or collection, up to a limit of $10,000 in total any one Insured event; $7,500 per item and in total 20% of the sum insured for unspecified contents
Furs (4)* $1,500 per item and in total $6,000 for items (1)* (2)* and (4)* $5,000 per item and in total 25% of the sum insured for contents
Vital Protect Listed Events Base Essentials Listed Events Listed Events Accidental Damage Accidental Damage
Level of Cover (click here) Basic Standard Standard Intermediate Intermediate Comprehensive Comprehensive
Valuable Items Not Available with this policy Optional Optional Optional Optional Optional Optional
Flood Cover Optional Flood is included as standard cover with this policy Flood is included as standard cover with this policy Flood is included as standard cover with this policy Flood is included as standard cover with this policy Flood is included as standard cover with this policy Flood is included as standard cover with this policy

FIND A LEVEL OF COVER THATS RIGHT FOR YOU

Comprehensive

Stay covered against loss and damage from all the common risks, as well as minor mishaps caused by accidental damage. Receive the most additional cover benefits and the highest limits, with optional cover for valuable items.

Intermediate

Get protected against risks such as fire, storm, break-ins, etc. Intermediate has more additional cover benefits and higher limits than Standard, with optional cover for valuable items.

Standard

Get insured for common risks such as fire, storm, break-ins, etc. Standard also has additional cover benefits for building and contents policies, with optional cover for valuable items.

Basic

Keep costs to a minimum without sacrificing peace of mind. Basic protects you from common risks such as fire, storm, break-ins, etc., with optional flood cover.

This summary comparison of cover is for your reference only and does not provide a complete statement of cover offered, exclusions, conditions and limits that apply under each policy. You should carefully read the Product Disclosure Statement (PDS) and all policy documentation before deciding if any of these policies are right for you.

Don’t get caught short when it matters
Home building calculator
Use this calculator to help you estimate the replacement value for your building
Home contents calculator
Use this calculator to help you estimate the replacement value for your contents
Avoid underinsurance
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Frequently asked questions

Find out answers to the common questions about home owner insurance