Home Insurance

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Home Insurance

You've worked hard to earn your home, and you want to keep it safe. If something goes wrong, like a storm or fire the cost of repairs or rebuilding could go far beyond your budget. Home insurance covers your building and all the permanent features of your property, so your home will be protected if disaster strikes*.

Home insurance is for the permanent parts of your home, so if you also want protection for your furniture and personal possessions you should take out a Home & Contents Insurance policy.

Home Insurance in brief*

Make your home insurance even more affordable and save 10% on your premiums when you add a new policy to a car insurance policy.

We understand that your home is more than just the building you live in. That's why our home insurance covers all the permanent buildings on your property, including your house, garage or carport, as well as fixtures like windows, kitchen and bathroom fittings, awnings and blinds, decks, patios and fences. We even cover your in-ground pool or spa and all its accessories.

With our home insurance you are protected from natural disasters like a storm or a lightning strike, from accidents like a fire, and from loss or damage caused by other people such as theft or vandalism. We even cover accidental breakage, leaks and damage caused by something falling on your home, like a tree, pole or aerial. Make sure you check the PDS for full details of exactly what's covered.

We designed our low-cost home insurance to give you maximum peace of mind, so we've packed it with extra features to relieve the stress of recovering from disaster. Built-in benefits include cover for the costs of demolishing unsafe buildings and removing debris, and for temporary accommodation for you, your family and your pets so you'll have somewhere comfortable to live while you rebuild.

You can tailor your home insurance to meet your needs with our additional cover options. These include landlord cover if you are renting out your home, and our unique Sum Insured Safeguard which extends the amount of your insurance by up to 25% if it turns out your original amount isn't enough to cover the costs of repairs or rebuilding.

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.


As a homeowner, there's no better peace of mind than knowing you have the right insurance to cover you. Our aim is to provide comprehensive insurance and outstanding service as well as great rates, so you get the protection you need at an affordable price.

Policy Benefits

It's vital that the sum you insure under your home insurance policy would be enough to rebuild your home and all its fixtures if it were destroyed. To help you decide how much you need we've designed a handy online calculator. Because building costs rise each year, we will automatically offer to increase the amount of your insurance every time you renew your policy.

We understand that when you're busy living, accidents can just happen. Our policies are designed to protect you against the small things like broken windows and burst pipes, as well as the catastrophes we hope you'll never experience. With built-in cover for accidental breakage of glass and ceramic fixtures, as well as optional cover for other breakages and things like the burnout of motors, you'll be able to get on with life without worrying. Check the PDS for full details of exactly what's covered.

As a homeowner, you have a legal responsibility for the safety of anyone who visits your home. This means that you could be responsible for costs or damages if someone is hurt or killed, or their property is damaged, in an accident on your premises. All our home insurance policies come with $20m built-in protection against this liability. You'll find full details in the PDS.

If something does happen to your home you need an insurance company who will act fast to help you 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

Important Policy Information

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 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.