Home Building and Contents Insurance

Choose our most popular Home policy and protect your special place, inside and out.

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Home Building and Contents Insurance

Be covered for the following and more:

  • Professional and rebuilding fees

    Fees involved in the repair or rebuild of your home as a result of an insured event (up to 10% of sum insured).

  • Damage due to weather events

    Including fire, floods, lightning and storms.

  • Cover for the unexpected

    Including theft, vandalism, earthquakes and water damage.

  • Emergency repairs

    To help make your home feel safe again after an insured event.

  • Accidental breakage of glass

    When it’s a fixed part of your building or furniture.

  • Temporary accommodation for your family

    Up to 12 months.

  • Temporary accommodation for your pets

    Up to $500.

  • Demolition and removal of debris

    If your home has been destroyed by an insured event.

  • Replacement of trees, plants and shrubs

    Up to $2,000.

  • Key and lock replacement

    Up to $500.

  • Specified high value items inside your home

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

  • New for old replacement of contents

    Including furniture and most electronic items.

  • 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.

  • Legal liability

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

  • Professional and rebuilding fees

    Fees involved in the repair or rebuild of your home as a result of an insured event (up to 10% of sum insured).

  • Damage due to weather events

    Including fire, floods, lightning and storms.

  • Cover for the unexpected

    Including theft, vandalism, earthquakes and water damage.

  • Emergency repairs

    To help make your home feel safe again after an insured event.

  • Accidental breakage of glass

    When it’s a fixed part of your building or furniture.

  • Temporary accommodation for your family

    Up to 12 months.

  • Temporary accommodation for your pets

    Up to $500.

  • Demolition and removal of debris

    If your home has been destroyed by an insured event.

  • Replacement of trees, plants and shrubs

    Up to $2,000.

  • Key and lock replacement

    Up to $500.

  • Specified high value items inside your home

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

  • New for old replacement of contents

    Including furniture and most electronic items.

  • 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.

  • Legal liability

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

Optional Extras

  • Motor burn out

    Up to $2,000 per claim for electric motor appliances in your home or up to $3,000 as part of your building and under 10 years old.

  • Portable contents cover

    Contents covered at your home  and anywhere in Australia. Limits apply.

  • Accidental damage to your contents

    Covers total cost of replacing the damaged item(s) or any lesser limit that applies.

  • Motor burn out

    Up to $2,000 per claim for electric motor appliances in your home or up to $3,000 as part of your building and under 10 years old.

  • Portable contents cover

    Contents covered at your home  and anywhere in Australia. Limits apply.

  • Accidental damage to your contents

    Covers total cost of replacing the damaged item(s) or any lesser limit that applies.


Looking for just Building?
Find out more about Building Insurance

Looking for just Contents?
Find out more about Contents Insurance

Compare all levels of cover to find the right policy for you
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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 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 in-store at checkout.^

Find out more

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 and 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.

Redeeming and earning flybuys points

^ 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).

# 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

+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.