Our Home Insurance can cover your private residential buildings, your contents or both depending on what policy type you choose. 

Coles Home Insurance provides cover for the unexpected, including theft, vandalism, earthquakes, impact damage, explosions and water damage. As well as damage due to weather events including fire, floods, lightning and storms.

For full terms, product limits and conditions, please see the Product Disclosure Statement.

Home Building Insurance covers loss or damage to your home which you own and use for domestic or residential purposes.

Coles Home Building covers your home and other structural improvements like an in-ground swimming pool, sheds, decks and fences. It also includes internal fittings such as kitchen cupboards and floor tiles along with fixed appliances which are permanently connected to the gas or electricity systems such as room heaters, air conditioners and stoves.

Home Contents items include furniture and furnishings, carpets, internal blinds and curtains, household electrical appliances that attach to power points (like TVs), kitchen and tableware, clothing, sporting equipment, musical instruments and personal items. 

To find out more please refer to our Product Disclosure Statement. 

There are a number of factors you can consider that may help reduce your premium:

• You can choose to increase your excess. However, this means in the event of an claim you'll need to pay more. 
• Reviewing your cover to ensure it suits your current needs, including any optional extras.
• Choosing to pay your premium annually instead of monthly. 
• If you're purchasing a new policy, you'll receive a 15% discount if you get a quote and purchase online.^** This discount will apply to your first period of insurance only.