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
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.
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Residential building protection
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Protection for domestic outbuildings
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Infrastructure for services
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Swimming pools and spas
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Money
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Jewellery
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Computer and software
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Furniture
Home and building insurance
Covering both the dwelling you live in, plus any other buildings on your property - like sheds and garages.
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Residential building protection
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Protection for domestic outbuildings
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Infrastructure for services
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Swimming pools and spas
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Money
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Jewellery
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Computer and software
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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.
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Residential building protection
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Protection for domestic outbuildings
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Infrastructure for services
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Swimming pools and spas
-
Money
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Jewellery
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Computer and software
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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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Tools and calculators
FAQs
Learn more about home, building and contents insurance with our quick FAQs.
Do I have to pay an excess?
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.
Am I covered for flood?
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.
What is not covered with home insurance?
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.
How do you determine my home insurance premiums?
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.
I'm buying a home. At what point should I insure it?
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 2024. 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.
