Home Insurance

Save up to 25% online*

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

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

Lifetime Guarantee

Feel at ease with a Lifetime Guarantee on all building repairs we authorise and arrange+

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.

Types of Cover

Combined Building & Contents Insurance

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

Save 25% online*

Contents Insurance

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

Save 10% online**

Building Insurance

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

Save 10% online**

Landlord Building

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

Save 10% online**

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.+

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 in-store at checkout.^

Helpful weather tips and information

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.

iag logo

Terms & conditions

Offer criteria

* The 25% discount is made up of the 10% online discount and a 15% combined policy discount. Minimum premiums may apply. This discount offer may be withdrawn at any time. Applies to new policies only. For full terms and conditions, see here.

** Minimum premiums may apply. This online discount offer may be withdrawn at any time. Applies to new policies only. For full terms and conditions, see here.

^2,000 Flybuys Points are required to redeem $10 off at the checkout in-store each time. Excludes Coles Express and Coles Online. Minimum spend is $10 after savings and discounts in one transaction at Coles Supermarkets (excluding gift cards, iTunes cards, tobacco and tobacco related purchases).

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 Comprehensive Car, Home or Landlord Insurance policies (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

~ 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.

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

Standard underwriting criteria apply. Coles Supermarkets Australia Pty Ltd (Coles) and Loyalty Pacific Pty Ltd are authorised representatives of the issuer, Insurance Australia Limited (ABN 11 000 016 722) (AFSL 227681), part of Insurance Australia Group (IAG). 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 and Target Market Determinations before deciding whether to acquire an insurance policy.