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Compare Coles Home Insurance policies


You can choose Building Insurance only, Contents (Renters and Owners) only or Combined Building and Contents Insurance.
We also offer two different levels of Home Insurance cover: Standard and Plus cover.

Looking for cover to protect your investment property? Take a look at Coles Landlord Insurance.

This is a summary of the Coles Home Insurance products and should be used as a general guide only. For full terms, exclusions, limitations and conditions, please see the Product Disclosure Statement.



INSURED EVENTS
 		Building and Contents
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Building and Contents, Building cover only, Contents (Renters or Owners) cover only

Fire, flood, storm, lightning, earthquake
 		Included
 		Included
 		Included
Theft and vandalism
 		Included
 		Included
 		Included
Bursting, leaking or overflowing of water or liquid
 		Included
 		Included
 		Included
Legal liability cover up to $20 million
 		Included
 		Included
 		Included

ADDITIONAL BENEFITS
after an insured event1 		Building and Contents

 		Building

 		Contents (Renters or Owners)
Key and lock replacement Included
Up to $500
 		Included
Up to $500
 		Included
Up to $500
Temporary accommodation for your family and pets
 		Included
 		Included
 		Not Included
Demolition and removal of debris
 		Included
 		Included
 		Not Included
Rebuilding costs
e.g. professional fees, local and state fees
 		Included
 		Included
 		Not Included
Trees, plants and shrubs
 		Included
 		Included
 		Not Included
Emergency repairs
 		Included
 		Included
 		Not Included
Accidental breakage of glass 2
e.g. glass that's a fixed part of your building, basins, bath and toilet
 		Included
 		Included
 		Not Included
Accidental breakage of glass 2
e.g. glass part of furniture, and hanging wall mirror
Included
 		Not Included
 		Included
New for old replacement
e.g. furniture and most electronics
 		Included
 		Not Included
 		Included
Specify high value items
e.g. jewellery and watches
 		Included
 		Not Included
 		Included
Contents in open air
e.g. BBQ and outdoor furniture
 		Included
 		Not Included
 		Included
Tools and equipment
 		Included
 		Not Included
 		Included
Coverage when you change your address 2
 		Included
 		Not Included
 		Included
Guest or visitor contents if stolen or damaged
 		Included
Up to $1,000
 		Not Included
 		Included
Up to $1,000
Furnishings
e.g. rugs, internal blinds and curtains
 		Included
 		Not Included
 		Included
Frozen or refrigerated grocery loss
Cover in the case of unexpected interruption to your public power supply
 		Included
Up to $500
 		Not Included
 		Included
Up to $500
Emergency grocery cover
Cover if you aren't able to access your home as a result of an insured event
 		Included
Up to $250
 		Not Included
 		Included
Up to $250
Motor burn out for your building e.g. built-in air conditioner
Applicable per claim for motors under 10 years old
 		Optional
Up to $2,000
 		Optional
Up to $2,000
 		Not Included
Motor burn out for appliances in your home
Applicable per claim for motors under 10 years old
 		Optional
Up to $2,000
 		Not Included
 		Optional
Up to $2,000
Accidental damage to your contents
 		Optional
Not Included
 		Optional
Contents outside your home
 		Optional
Not Included
 		Optional

Plus cover
Building and Contents Plus


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Building Plus


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Contents (Renters or Owners) Plus

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Household appliance cover - Building
e.g. ovens, cooktops, rangehoods and dishwashers
 		Included
 Included
 		Not Included
Motor burn out for your building e.g. built-in air conditioner
Applicable per claim, for motors under 10 years of age
 		Included
Up to $2,500
 Included
Up to $2,500
 Not Included
Accidental damage for your building
 		Included
 Included
 Not Included
Building safety net
Up to a further 30% of building sum insured
 		Included
 Included
 Not Included
Household appliance cover - Contents
e.g. refrigerators, freezers and washing machines
 		Included
 Not Included
 		Included
Motor burn out for your contents
Applicable per claim, for motors under 10 years of age
 		Included
Up to $2,500
 Not Included
 		Included
Up to $2,500
Accidental damage for your contents
 		Included
 Not Included
 		Included
Contents outside your home
 		Included
Up to $2,500 per item and 20% of contents sum insured
 		Not Included
 		Included
Up to $2,500 per item and 20% of contents sum insured

Coles Insurance Benefits
 		Building and Contents

 		Building

 		Contents (Renters or Owners)
Instantly take $10 off your Coles Supermarket shop, every time you redeem 2,000 flybuys points at the checkout. ~
 		Included
 		Included
 		Included
Faster flybuys points at Coles Supermarkets +
 		Included
 		Included
 		Included
Lifetime guarantee on all building repairs we authorise and arrange^
 		Included
 		Included
 		Not Included
Change your excess to find the right price for you
 		Included
 		Included
 		Included
24/7 claims lodgement service
 		Included
 		Included
 		Included
Dedicated Claims Specialists
 		Included
 		Included
 		Included

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Terms & conditions

1 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.

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

~ 2,000 flybuys points are required to redeem $10 off at the checkout each time. Excludes Coles Express, Coles Local and Coles Online. Minimum spend is $10.05 after savings and discounts in one transaction at Coles Supermarkets (excluding smoking/tobacco related product purchases and all gift cards).

+ After savings and discounts excluding gift cards, iTunes cards, tobacco and tobacco related purchases. Coles means Coles Supermarkets 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.

^ This guarantee is limited to the quality of materials and workmanship of repairs that we authorise and arrange for the lifetime of your home. For full terms and conditions, see the Product Disclosure Statements.

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.

Coles Supermarkets Australia Pty Ltd (Coles) is an authorised representative of the issuer, Insurance Australia Limited (ABN 11 000 016 722 AFSL 227681) and receives a commission for each policy sold and renewed). Any advice provided is of a general nature only and does not take into consideration your objectives, financial situation or needs. Before acting on any advice you should consider its appropriateness. You should read the Product Disclosure Statement before deciding whether to acquire an insurance policy.