Home & Contents Insurance

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Or apply over the phone on 1300 467 872
Home & Contents Insurance

Save 25% when you buy online

Your home is more than a house – it's your way of life, a comfortable haven filled with the things you love. So you want to be sure that your home and the things you keep in it will be protected if something bad happens. Our home and contents insurance is a complete, comprehensive package that covers your property if disaster strikes.*

Home & Contents Insurance in brief

Make your home and contents insurance even more affordable and save a massive 25% on your premiums with one of our generous discount offers (only one discount may apply to each policy).

Simply either:

  • Buy your home and contents policy online after 30 June 2014 and save 25% on your first year's premiums, or
  • Save 25% on your home and contents insurance premiums when you add a new policy to a 1300 Insurance car insurance policy.

Our home and contents insurance covers the permanent buildings and fixtures on your property, as well as all your possessions and movable features. We'll cover outbuildings like your garage, carport or shed and any furniture, tools and gardening equipment you keep outside. If you have a pool or spa we'll cover that and all its fittings too. Inside we protect your furniture, fixtures and fittings, appliances, clothes and personal effects.

With our home and contents insurance you are protected from a huge range of events: natural disasters like an earthquake, storm or a lightning strike; accidents like a fire or explosion or something falling on your home; and harm done to your home or possessions by someone else, like theft or vandalism. Make sure you check the PDS for full details of exactly what's covered.

Our home and contents insurance is the affordable way to get complete peace of mind. We've packed it with extra features including:

  • temporary accommodation while you rebuild if your home is destroyed
  • help with demolition and removal of damaged buildings
  • insurance for accidental breakage of glass or ceramics

We've even included $20M cover for your legal liability if someone is injured at your home.

Make sure you check the PDS for full details of exactly what's covered.

There are a number of optional extras you can add to your home and contents insurance so that you can tailor it to meet your needs. Options include:

  • landlord insurance to protect your home against damage done by tenants
  • personal effects cover to insure your possessions anywhere in Australia or overseas
  • motor burnout cover for appliances like your fridge

All our home and contents insurance products have a 21 day cooling off period, so if you change your mind you can simply cancel your policy and get a full refund, provided you haven't made a claim.

* Terms and conditions apply to this policy. For full details of terms, conditions, exceptions and exclusions, see the PDS.

You've put a lot work into your home and you need an insurance policy you can trust.

At 1300 Insurance we deliver comprehensive, robust insurance at great rates. With exceptional service to match our quality cover, it's the smart way to get your home insurance at an affordable price.

Policy Benefits

We designed our home and contents insurance policies to give you great value for money. With cover for everything on your property, from the inside out, a combined policy is the most cost effective way to get total peace of mind - especially if you buy online. And you can also save up to 25% on your home and contents policy if you also choose us for your car insurance.

We want to give you the best cover possible, so we've tried to think of everything. Built-in features include insurance for your possessions in transit if you move house, and reimbursement of any money spent on your credit cards if they get stolen from your home. We've even added cover for legal liability in case someone is injured on your property, and $5k funeral cover for you in case the very worst should happen.

If you're planning to rent out your home you can add landlord protection to your policy and protect your house from damage done by your tenants. Other optional extras include a unique Sum Insured Safeguard, which can give you up to 25% more money if it turns out your insurance isn't enough to cover the cost of rebuilding your home.

If something does happen to your home you need an insurance company who will act fast to get your home back in shape. That's why we've made our claims process quick, efficient and hassle-free.

How to Buy Cover

It's quick and easy to buy home and contents insurance from 1300 Insurance. Simply call us on 1300 Insurance (1300 467 872) or get an instant quote and apply online. Your insurance will start as soon as we accept your application and send you your policy document.

Get a quote Phone us on 1300 467 872

* About the 25% online discount

Our online discounts only apply to the premium paid for a new Home and/or Contents Insurance policy online initiated on or after 1st July 2014 and purchased online. We reserve the right to shorten or extend the period the discount is offered and vary the amount of the discount. It does not apply to any renewal offer of insurance.

The discount offer applies only to the premium for an insurance product. It does not apply to the fees that we may charge you (these are described in our Financial Services Guide). You will be responsible for all applicable GST and other statutory charges.

The discount offer is not available if the sums insured for your contents cover are greater than $300,000 or 50% of your building sum insured.

Important Policy Documents

Terms, conditions, excesses and limits apply to this policy. Please refer to the Product Disclosure Statement for full details of the cover provided.

Download Policy Documents

Policy Exclusions

Our home and contents insurance transfers many of the risks home owners face from you to us. However it does not cover every circumstance or expense and we have some exclusions that help keep premiums low, for example damage as a result of a flood, tidal wave or tsunami. See the Product Disclosure Statement for full details.

1300 Insurance's car and home and contents insurance is offered by 1300 Insurance Pty Ltd (ACN 124 845 727; AR No 327609) as an Authorised Representative of Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411). Auto & General Services arranges the insurance on behalf of the insurer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571). Because we don't know your financial needs, we can't advise if this insurance will suit you. You should consider your needs and read the Product Disclosure Statement and Financial Services Guide before making a decision to buy insurance. Not available in NT.