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Home Building and Contents Insurance


This is a high level summary of the Home Building and Contents product. For full terms, product limits 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 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+

On Shore Claims Team

Our Australian-based claims specialists are on hand, ready to help – from lodgement to approval.

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). Max cap applies.#


Get a trolley top up

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

Frequently Asked Questions 

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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Product related

+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.