Home Building and Contents Insurance

It’s what you keep inside your house that makes it a home. 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:

  • Rebuilding costs

    Including professional, local and state fees as a result of an insured event.

  • 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 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.

  • Specify 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.

  • Rebuilding costs

    Including professional, local and state fees as a result of an insured event.

  • 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 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.

  • Specify 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.

Not quite what you want?

  • Motor burnout

    up to $2,000 per claim for motor appliances in your home or part of your building and 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 damage to your contents

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

This is a summary of the Home Building and Contents 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.^

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

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.