Compare Coles Home Insurance policies

We offer two different levels of Home Insurance cover: Home and Home Plus.
You can also choose Buildings Insurance only, Contents Insurance only or both Buildings & Contents Insurance.
Looking for cover to protect your investment property? Take a look at Coles Landlord Insurance.
 
Compare your options below.
INSURED EVENTS

Home

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Home Plus

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Buildings cover only, Contents cover only, Buildings & Contents

Accidental damage to your house and contents
Not Included
Included
Fire, flood, storm, lightning, earthquake
Included
Included
Theft, attempted theft, vandalism, malicious acts
Included
Included
Animal damage, explosions, riots or civil commotion, impact
Included
Included
Bursting, leaking or overflowing of water or liquid
Included
Included

ADDITIONAL BENEFITS


Buildings Cover

Claimable?


Home


Home Plus

Building safety net
​After an insured event2
Not Included
Included
up to a further 30% of building sum insured
Household appliance cover - buildings
​After an insured event2
Not Included
Included
Accidental damage to building
​After an insured event2
Not Included Included
Motor burn out for building e.g built-in air conditioner
​After an insured event2

Optional - cover for up to $2,000 per claim, for motors under 10 years of age​
Included
up to $2,500 per claim, for motors under 10 years of age
Accidental breakage of glass
​Anytime 1
Included Included
Key and lock replacement
After an insured event2 Included
up to $500 per claim
Included
up to $2,500 per claim
Emergency repairs
After an insured event2 Included
Included
Professional fees e.g. fees from architects or engineers
After an insured event2 Included
Included
 Local and state fees e.g. local council fees when rebuilding
After an insured event2
Included
Included
Temporary accommodation for pets
​After an insured event2
Included
Included
Trees, plants and shrubs
​After an insured event2
Included
Included
Temporary accommodation
​After an insured event2
Included
Included
Building modifications (following serious injury)
After an insured event2
Included
up to $5,000 per claim
Included
up to $10,000 per claim
flybuys EXTRA POINTS*

Included
Included
       

Contents Cover

Claimable?


Home


Home Plus

Accidental damage to contents at property
​After an insured event2
Optional
Included
Accidental loss or damage to contents (Australia wide)
​After an insured event2
Optional Included
up to $2,500 per item and 20% of contents sum insured ​
Household appliance cover
​After an insured event2
Not Included
Included
Jewellery and watches
​After an insured event2
Included
up to $1,000 per item, $5,000 in total ​
Included
up to $2,500 per item and 20% of contents sum insured
Computers, laptops, tablets and mobile phones
​After an insured event2 Included
up to $1,000 per item, $5,000 in total
Included
up to $2,500 per item, $5,000 in total (no limit on mobile phones)
Specified portable content
After an insured event2 Optional Optional
Motor burn out for contents e.g. fridge or washing machine
After an insured event2 Optional - up to $2,000 per claim, for motors under 10 years of age
Included
up to $2,500 per claim, for motors under 10 years of age
Accidental breakage of glass
​Anytime 1
Included
Included
Coverage when you change your address
Anytime 1
Included Included
Key and lock replacement
After an insured event2
Included
up to $500 per claim
Included
up to $2,500 per claim
Frozen and refrigerated groceries
​After an insured event2
Included
up to $500 per claim
Included
up to $2,000 per claim
Contents in the open air e.g. BBQ, outdoor furniture, children swing set
After an insured event2 Included
10% of sum insured
Included
Replacement of documents After an insured event2 Included Included
Tools of trade
​After an insured event2
Included
up to $1,000 per item, $5,000 in total
Included
up to $2,500 each item, $10,000 in total
flybuys EXTRA POINTS*

Included
Included


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Our home insurance experts are standing by to help you with any questions.

Call us on 1300 265 374
Weekdays 8am-9pm or weekends 8am-6pm AEST

Terms & conditions

1 Does not need to be claimed in conjunction with an insured event, such as fire, flood or theft.

2 Can only be claimed in conjunction with one of the insured events listed in the table at the top of this page. For example, if you have contents cover and a sudden power outage in your neighbourhood causes your refrigerated and frozen food to spoil, you will be covered for replacement costs of up to $500. But if your refrigerator has a mechanical breakdown, you will not be covered for loss of food.

* After savings and discounts and excluding gift cards and smoking/tobacco product purchases. Coles means Coles Supermarkets, BiLo and Coles Online only. Up to 1,000 EXTRA POINTS per policy per month. No EXTRA POINTS collected on any third party car insurance policies. EXTRA POINTS collected from the date your flybuys membership is linked to your Coles Insurance policy and for the term of the policy. No EXTRA POINTS will be collected for the month in which your policy terminates. Standard flybuys Terms and Conditions apply.

Please read our Home and Home Plus Key Facts Sheets (KFS) which set out some of the events/risks covered and not covered by our home policies and other information you should consider. These sheets do not provide a complete statement of the cover offered, exclusions, conditions and limits that apply under the policies. You should carefully read the Product Disclosure Statements and all policy documentation for more details.