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Home and contents insurance

Know your worth! Switch to home and contents insurance through the Better Big Bank

Why choose home and contents insurance through us?

Insurance you can rely on is worth its weight in gold.
And when it’s arranged by Australia’s Most Trusted Bank^, you can be confident it’s insurance worth having.

Three levels of protection ALL with flood cover automatically included

Whether you choose gold, silver, or bronze cover, you’re protected against damage resulting from flood.

$20M in Liability Cover included in all policy options

Automatically access up to $20 million of cover for liabilities and legal costs per incident covered by your policy.

New for old

If we replace an item after it is stolen or damaged, we will replace it new for old as standard that means there is no depreciation on your contents!

A roof over your head

If you can't live in your home, it's worth knowing we provide cover for the reasonable costs of temporary accommodation for you, your family, (and that includes your pets!) for up to 12 months.

Get a quick quote today

Choose your cover type

Choose when you want your cover to start

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

Compare home, contents and building insurance

$20M in Liability Cover included in all policy options. Automatically access up to $20 million of cover for liabilities and legal costs per incident covered by your policy.

Home and contents insurance

Our combined home and 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

Home and building insurance

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

Contents insurance

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

Managing your insurance policy

Remember to review your policy regularly. It helps to do a few things at renewal time that could help reduce costs and manage your insurance policy.

Sum insured

As replacement and rebuild costs rise, your sum insured should rise too. To calculate an estimated replacement value, visit our calculator page.

Payment frequency

There's no extra charge if you pay fortnightly or monthly. Adjusting your payment frequency to suit you could make it easier to manage your finances.

Excess

If you can afford to pay a higher excess when making a claim, increasing your excess may lower the premium you pay.

Easy to deal with, ready to help.

Get a quick quote online or if you prefer, speak to our dedicated insurance team over the phone today. Call 1300 557 155 between 8am–8pm (AEST/AEDT) weekdays. The team are insurance specialists who can support you directly and make sure you’ve got the level of cover you need.

Cover levels to suit you

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

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.

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

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

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

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.

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A big thumbs up to your wonderful insurance team!

When I lost one of the sound processors for my Cochlear implants, I was worried, they were not cheap – more than $9,000! With Gold cover my claim was processed in little over a month! The cost of the home and contents policy is similar to, or slightly cheaper than, several other companies. The much more important point, though, is that your insurance provides what is being paid for – courteous, timely and adequate cover where something is lost or damaged. That is the whole point of insurance.

Andrea, Vic

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

While this varies according to each state, it’s a good idea to take out cover as soon as contracts are signed and exchanged. This helps to safeguard your interest in the property and won’t leave you susceptible to any gaps in the current owner’s cover.

Your lender will likely ask you for evidence of a building insurance policy (also known as a certificate of currency) before your loan settles. You will need to list the lender as an interested party on the certificate, as they also have a financial interest in your property.

Things you should know

^ Roy Morgan Risk Monitor 2023. Customers of Bendigo and Adelaide Bank Limited.

Bendigo and Adelaide Bank Limited (Bendigo Bank) ABN 11 068 049 178, AFSL 237879 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681. Any advice provided is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant the Product Disclosure Statement and Target Market Determinations available on this website.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

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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