Home Contents Insurance

When you want to protect your treasured possessions, we’ve got you covered.

Home Contents Insurance

Be covered for the following and more:

  • Damage due to weather events

    Including fire, floods, earthquakes, lightning, and storms.

  • Cover for the unexpected

    Cover for theft, vandalism and water damage.

  • Accidental breakage of glass

    If it’s a fixed part of your furniture or a hanging wall mirror.

  • Specify high value items inside your home

    Including jewellery, watches, electronic equipment, artwork and musical instruments - at no extra cost.

  • New for old replacement

    Including furniture and most electronics.

  • Key and lock replacement

    Up to $500.

  • Emergency groceries

    Up to $250 if you aren't able to access your home as a result of an insured event.

  • Frozen or refrigerated grocery loss

    Up to $500 in the case of an unexpected interruption to your public power supply.

  • Furnishings

    Including rugs, internal blinds and curtains.

  • Contents in the open air

    Cover for BBQs and outdoor furniture.

  • Tools and equipment

    Including household, gardening and sporting goods.

  • Legal liability cover

    Up to $20 million if someone hurts themselves or dies while on your property.

  • Damaged contents while changing address

    Cover during moving period for contents in new and old addresses, and while in transit.

  • Contents of guests & visitors

    Up to $1,000 if stolen or damaged in an insured event.

  • Damage due to weather events

    Including fire, floods, earthquakes, lightning, and storms.

  • Cover for the unexpected

    Cover for theft, vandalism and water damage.

  • Accidental breakage of glass

    If it’s a fixed part of your furniture or a hanging wall mirror.

  • Specify high value items inside your home

    Including jewellery, watches, electronic equipment, artwork and musical instruments - at no extra cost.

  • New for old replacement

    Including furniture and most electronics.

  • Key and lock replacement

    Up to $500.

  • Emergency groceries

    Up to $250 if you aren't able to access your home as a result of an insured event.

  • Frozen or refrigerated grocery loss

    Up to $500 in the case of an unexpected interruption to your public power supply.

  • Furnishings

    Including rugs, internal blinds and curtains.

  • Contents in the open air

    Cover for BBQs and outdoor furniture.

  • Tools and equipment

    Including household, gardening and sporting goods.

  • Legal liability cover

    Up to $20 million if someone hurts themselves or dies while on your property.

  • Damaged contents while changing address

    Cover during moving period for contents in new and old addresses, and while in transit.

  • Contents of guests & visitors

    Up to $1,000 if stolen or damaged in an insured event.

Not quite what you want?

  • Motor burnout for appliances in your home

    Up to $2,000 per claim for motors under 10 years old.

  • Contents outside your home

    Cover for unintentional loss or damage of contents outside your home, anywhere in Australia. Limits apply.

  • Accidental contents damage

    Cover for costs up to your insured amount.

This is a summary of the Home Contents Insurance product. For full terms, exclusions, limitations and conditions, please see the Product Disclosure Statement.

Choose a policy plan that works for you


Payment options to suit your budget

Choose to pay your insurance premium annually or in monthly instalments.

No exit fees

Cancel any time if your policy isn’t quite right for you, without being charged an exit fee.

Flexible excess

If you’re able to pay more in the unlikely event of an accident, you can save money on your premium by increasing your excess.

Feel more secure with quick, quality service

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.

Rewards 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.^

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 and conditions

Offer criteria

Online discount is calculated on and applied to your Coles Insurance premium before the application of any other discount. This discount offer may be withdrawn at any time. Read full terms and conditions.

Redeeming and earning flybuys points

^ 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).

# 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.