Home Building and Contents Insurance

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

Save 30% Online*

Home Building and Contents Insurance

  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, earthquakes, lightning, and storms.

  Cover for the unexpected

Including theft, vandalism 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.

  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.

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⁺

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). 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.^

Find out more

Frequently Asked Questions

How much you insure your home building or contents for is what’s known as the ‘sum insured’. It’s the maximum amount we’ll pay to rebuild your home or replace your contents.

Make sure the ‘sum insured’ you nominate is sufficient to rebuild your house at today’s prices. If it costs more than the ‘sum insured’ you chose to rebuild your house, you’ll have to make up the shortfall. Our quote system calculates a building estimate based on the information you provide, and is a helpful guide. To get a more accurate estimate you can use a detailed third party calculator or check with a suitably qualified professional.

You can use a contents calculator to help you work out an estimated value to insure your contents for.

Don't forget to review your sum insured values regularly, especially if you've made some new purchases or sold some items.
Coles Insurance offer two optional extras to cover items lost or damaged outside your home as part of our Contents policies.

Unspecified portable contents cover provides Australia-wide cover for a number of portable items, both inside and outside your home. These items are not specified in your policy documentation.

Specified portable contents cover provides Australia-wide cover for items inside your home or outside your home, up to the amount specified by you and shown on the policy Certificate of Insurance.

Both types of cover are subject to limits and an additional premium. To find out more please refer to our Product Disclosure Statement.
With Coles Home Contents Insurance certain items may have limits of what we can pay for them. You can specify valuable items at home for their full value at no extra cost. Please ensure that you've already included their value in your total contents sum insured amount.

Portable contents is an optional extra that can cover certain contents items anywhere in Australia including at the home. These can be either specified or unspecified and will add to your premium.

To find out more about specified and unspecified contents in the home or as portable contents please refer to our Product Disclosure Statement.

View other Home Insurance FAQs

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.

Terms and conditions

Offer Criteria

* The 30% discount is made up of the 15% 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.

Home Building and Contents Insurance

Home Building and Contents Insurance