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Home and Contents Insurance

You could win a new car*

Take out Home and Contents insurance before 6 August 2021 for your chance to win*

Get a quick quote today

Choose your cover type

When do you want your cover to start?

Note: this must be within 90 days of today's date.
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Promotion

Go into the draw to win a brand new car

Purchase any Car, Home or Landlords insurance policy between Monday 7 June and Friday 6 August 2021 to enter the draw and you could drive away in a brand new 2021 Kia Rio. With a 5-star safety rating, it's perfect for protecting families.

Home insurance with a great range of cover

New for old replacement

If your furniture or electronics are damaged, we’ll replace them with brand new equivalents.

Emergency repairs

If your house is uninhabitable we’ll help make sure your repairs are completed quickly.

Temporary accommodation

We’ll arrange temporary accommodation for up to 12 months if your home suffers loss or damage and is unliveable.

Compare your home insurance options

Buildings cover

Covering both the dwelling you live in, plus any other buildings on your property - like sheds and garages.

  • Residential building protection
  • Protection for domestic outbuildings
  • Infrastructure for services
  • Swimming pools and spas
  • Money
  • Jewellery
  • Computer and software
  • Furniture
Building & Contents

Our combined Buildings & Contents Insurance is our most popular type of home insurance, giving you cover for both your home and the many things inside it.

  • Residential building protection
  • Protection for domestic outbuildings
  • Infrastructure for services
  • Swimming pools and spas
  • Money
  • Jewellery
  • Computer and software
  • Furniture
Contents cover

Cover for a wide range of items - from furniture to jewellery to TVs and laptops. It even covers your carpet and curtains.

  • Residential building protection
  • Protection for domestic outbuildings
  • Infrastructure for services
  • Swimming pools and spas
  • Money
  • Jewellery
  • Computer and software
  • Furniture

Cover levels to suit your needs

Gold cover

Gold cover - ultimate peace of mind

It’s truly comprehensive because it protects both your home and/or contents from theft, fire, flood, accidents, storms and much more. There’s comfort in knowing that if any emergency strikes, you’ve got the best cover.
Accidental damage or accidental loss

Your building and/or contents are protected for almost any type of accidental loss or damage.

Highest available cover for valuables

Cover for art, valuable collections, jewellery, electronics, software, tablets, phones, camera, computers.

Away from home cover

Your contents are covered away from your home, anywhere in
Australia and New Zealand, up to 90 consecutive days.

Alternative accommodation

If you’re unable to live in your home after an accident, we will cover the costs of alternative accommodation for up to 12 months.

New for old replacement

We’ll replace your furniture, carpets, blinds, electronics and other possessions with brand new equivalents if they’re damaged beyond repair.

Credit card theft

If your credit cards or card details are stolen and misused, we’ll provide cover for up to $5,000.

Read our Gold Cover PDS for the full breakdown of this cover option

Silver cover

Silver cover - high-value, mid-range protection

A great option for the typical Australian household. Your home and/or contents are protected in case of fire, lightning, earthquake, malicious damage or burglary, cyclone and storm.
Property damage and demolition

We will cover the repairs, or rebuilding costs, to damage of your home caused by a variety of incidents including theft, fire and flood.

Fantastic cover for valuables and content

We’ll cover everything from furniture, jewellery and artwork. We’ll even cover items belonging to guests staying with you.

Weather damage cover

Your buildings and/or contents are covered for loss or damage as a result of storm, flood, rainwater or wind.

Burglary and theft cover

If you’ve suffered a break in, and your possessions are stolen and/or your property is damaged, you’re covered.

New for old replacement cover for contents

We’ll replace your furniture, electronics and other possessions with brand new equivalents if they’re damaged beyond repair.

Credit card theft

If your credit cards or card details are stolen and misused, we’ll provide cover for up to $5,000

Read our Silver Cover PDS for the full breakdown of this cover option

Bronze cover

Bronze cover - basic protection

You’ll still have the basic elements of your home and contents covered, but you’ll save on premiums.
Budget cover to save you money

Even if you’re on a budget, you don’t need to risk living without insurance.

Burglary cover

If a burglar has forcibly entered your home and loss or damage to your building and/or contents occurs, you’re covered for replacement of contents and/or building repairs

Weather damage cover

We’ll cover your buildings and contents for loss and/or damage as a result of storm, flood, rainwater or wind.

Include your bicycle

We’ll replace your bike if it’s damaged or stolen, for up to $20,000 unless specified.

Alternative accommodation

If your home suffers loss or damage and you are unable to live in it, we will cover the costs of alternative accommodation for up to 12 months.

Accidental breakage

Your buildings and contents are covered for loss and/or damage when an item is chipped or fractured through its entire thickness, such as accidental breakage to fixed glass in your building or mirrors in your home.

Read our Bronze Cover PDS for the full breakdown of this cover option

FAQs

Learn more about home, building and contents insurance with our quick FAQs.

Your quote for home insurance will clearly specify if there is any excess on your policy and, if so, how it will be calculated and paid.

Yes you are automatically covered in case of flood, regardless of which policy you choose. Your policy will specify the level of your cover and your entitlements in case your home is damaged by flood.

Exclusions vary depending on the policy you choose, so it’s important to read the Product Disclosure Statement provided with your quotation to find out which exclusions may be applicable to your policy.

Gold Cover PDS
Silver Cover PDS
Bronze Cover PDS

Factors used to assess the value of your home insurance premiums include the location, condition, size, features and quality of the property. Your Product Disclosure Statement will provide more information.

Gold Cover PDS
Silver Cover PDS
Bronze Cover PDS

It’s a good idea to speak with us before you make any payments on purchasing a new home. That way we can be ready to give you a cover note to protect your home purchase after you’ve paid the deposit.

Gold cover for the important things

I couldn't tell you the last time I made a claim, but when I accidentally smashed my laptop it was replaced in no time, the gold policy was totally worth it.

Stuart, Victoria

 

Great reasons to choose us

When an accident happens, you can turn to our friendly team for help and support during your claim.
With a 24 hour claims service, you can lodge a claim day or night
Your claims process is simple and easy and your claim is sorted as quickly as possible.
Millions of Australians trust us every day to manage their banking
One of Australia's most trusted brands#
$250 million reinvested back into local communities

1 Money cover: Bronze limit is $500, Silver $750 and Gold $1,250

2 Jewellery cover: Bronze $2,000 policy limit, $1,000 item limit; Silver 20% of contents sum insured or $5,000 whichever is higher(policy limit), $2,500 item limit; Gold 20% of contents sum insured or $7,500 whichever is higher(policy limit), $2,500 item limit

# Source: Roy Morgan Risk Monitor 2020

*Bendigo Bank Insurance Win a Car competition. AU18+ only. Ends 6/8/21 11:59pm AEST. Terms & conditions apply

Insurance issued by Insurance Australia Limited Pty Ltd ABN 11 000 016 722 trading as  CGU Insurance. Bendigo and Adelaide Bank Ltd ABN 11 068 049 178 acts under its own Australian Credit Licence AFSL 237879 and under an agreement with the issuer. Any advice is general only and does not take into account your personal circumstances. Consider the Product Disclosure Statement (PDS) to see if the product is right for you.

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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