Home Insurance

We know your home and contents mean the world to you.

So it's important to protect them against the unexpected.

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Lifetime Guarantee

Feel at ease with a Lifetime Guarantee on all authorised repairs through our Partner Repairer Network+

Backed by experts

Get quality protection through our partnership with Australia’s largest insurer, IAG.

24/7 Claims

Lodge and manage a claim 24/7 through our online Insurance Service Centre.

Building and Contents Insurance

Combined Building & Contents Insurance

Choose our most popular policy, Combined Home Building & Contents Insurance and protect your special place, inside and out.

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Combined Building & Contents Insurance PLUS

Enjoy complete peace of mind with Combined Home Building & Contents Insurance PLUS, our highest level of protection for your home and its contents.

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Building Insurance

Building Insurance

Feel more at home with cover for unexpected damage to your house but not its contents, with Home Building Insurance.

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Building Insurance PLUS

Take your cover to the next level with Home Building Insurance PLUS.

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Contents Insurance

Contents Insurance

Get great value protection for your household items in the event they are broken, damaged or stolen with Home Contents Insurance.

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Contents Insurance PLUS

Get additional household protection with Home Contents Insurance PLUS, including damage of contents outside your home.

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Landlord Insurance

Landlord Building

Protect your important investment against the unexpected with our most popular policy for landlords. 

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Coles Home Insurance has got you covered

Glass breakage

Accidents happen when you’re having fun. That’s why we cover accidental breakage of glass on all building policies.*

Free grocery replacement

Don’t let power failures spoil your dinner. We cover grocery replacement up to $500, excess free, on all contents policies.~

Flood cover as standard

Nature’s full of surprises. That’s why we cover floods as standard.1

Even more rewarding with flybuys

Make your everyday shop even more rewarding with flybuys when you take out any Coles Insurance policy (excluding third party) and link your flybuys number.#

Get rewarded

Earn flybuys points for rewards and take advantage of great offers that’ll help you pocket a little more - in store and at home.#


More points for Car, Home & Landlord

Collect double flybuys points at Coles supermarkets when you take out a Coles Car Home or Landlord Insurance policy (excluding third party).#

Get a trolley top up

Enjoy $10 off your Coles Supermarket shop each time you redeem 2,000 Flybuys points at checkout.^

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Become a happy customer in minutes

At Coles, we’re giving our customers something to smile about. With great cover and rewards, you’ll want to get started today.

"Coles insurance offered everything I needed. Good price, good cover with the assurance of the backing of a reliable big name company."

James

"Prompt and reliable service. Rectified all my problems and followed up to make sure everything had been done to a quality standard."

Anita

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Backed by experience

Brought to you by the supermarket trusted by Aussies for over 100 years and backed by IAG – Australia's largest insurer with over 160 years’ insurance experience.

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Terms & conditions

Offer criteria

~ Frozen and refrigerated grocery loss coverage for loss or spoilage to frozen and refrigerated food up to the value of $500 caused by unforeseeable interruption of the public electricity supply to your home.

1 Flood and / or fire cover is available to customers eligible for home insurance, limitations and exclusions apply. For full terms and conditions see the Product Disclosure Statement.

^ 2,000 flybuys points are required to redeem $10 off at the checkout each time. Excludes Coles Express, Coles Local and Coles online. Minimum spend is $10.00 after savings and discounts in one transaction at Coles Supermarkets (excluding smoking/tobacco related product purchases and all gift cards).

Flood and / or fire cover is available to customers eligible for home insurance, limitations and exclusions apply. For full terms and conditions see the Product Disclosure Statement.

Frozen and refrigerated grocery loss coverage for loss or spoilage to frozen and refrigerated food up to the value of $500 caused by unforeseeable interruption of the public electricity supply to your home.  

Redeeming and earning flybuys points

# flybuys members collect 1 flybuys point for every dollar spent at Coles Supermarkets whenever they scan their flybuys card. flybuys members with Coles Insurance policies collect +1 extra point on each dollar spent at Coles Supermarkets for each policy whenever they scan their flybuys card. Maximum 1,000 extra points per policy per month. flybuys extra points are collected from the date your flybuys membership is linked to your Coles Insurance policy and for the term of the policy. No extra points collected on any third party car insurance policies. No flybuys extra points will be collected for the month in which your policy terminates. Standard flybuys Terms and Conditions apply. flybuys extra points are collected on transaction balance after savings and discounts excluding gift cards, iTunes cards, tobacco and tobacco related purchases. Coles supermarkets means Coles Supermarkets and Coles Online only.

Product related

Standard underwriting criteria apply. Coles Supermarkets Australia Pty Ltd (Coles) is an authorised representative of the issuer, Insurance Australia Limited (ABN 11 000 016 722 AFSL 227681) and Guild Insurance Limited (ABN 55 004 538 863, AFSL 233791) and receives a commission for each policy sold and renewed. Any advice provided is of a general nature only and does not take into consideration your objectives, financial situation or needs. Before acting on any advice you should consider its appropriateness. You should read the Product Disclosure Statement before deciding whether to acquire an insurance policy.

+Policy limitations, exclusions and conditions apply. For full terms and conditions, see the Product Disclosure Statement.