Compare home insurance

Compare Coles Home Insurance policies

INSURED EVENTS	Building and Contents Get a quote ​Get a quote	Building Get a quote ​Get a quote	Contents (Renters or Owners) Get a quote ​Get a quote
Building and Contents, Building cover only, Contents (Renters or Owners) cover only
Fire, flood, storm, lightning, earthquake
Theft and vandalism
Bursting, leaking or overflowing of water or liquid
Legal liability cover up to $20 million

ADDITIONAL BENEFITS after an insured event1	Building and Contents	Building	Contents (Renters or Owners)
Key and lock replacement	Up to $500	Up to $500	Up to $500
Temporary accommodation for your family and pets
Demolition and removal of debris
Rebuilding costs e.g. professional fees, local and state fees
Trees, plants and shrubs
Emergency repairs
Accidental breakage of glass 2 e.g. glass that's a fixed part of your building, basins, bath and toilet
Accidental breakage of glass 2 e.g. glass part of furniture, and hanging wall mirror
New for old replacement e.g. furniture and most electronics
Specify high value items e.g. jewellery and watches
Contents in open air e.g. BBQ and outdoor furniture
Tools and equipment
Coverage when you change your address 2
Guest or visitor contents if stolen or damaged	Up to $1,000		Up to $1,000
Furnishings e.g. rugs, internal blinds and curtains
Frozen or refrigerated grocery loss Cover in the case of unexpected interruption to your public power supply	Up to $500		Up to $500
Emergency grocery cover Cover if you aren't able to access your home as a result of an insured event	Up to $250		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
Motor burn out for appliances in your home Applicable per claim for motors under 10 years old	Optional Up to $2,000		Optional Up to $2,000
Accidental damage to your contents	Optional		Optional
Contents outside your home	Optional		Optional

Plus cover	Building and Contents Plus Get a quote ​Get a quote	Building Plus Get a quote ​Get a quote	Contents (Renters or Owners) Plus Get a quote ​Get a quote
Household appliance cover - Building e.g. ovens, cooktops, rangehoods and dishwashers
Motor burn out for your building e.g. built-in air conditioner Applicable per claim, for motors under 10 years of age	Up to $2,500	Up to $2,500
Accidental damage for your building
Building safety net Up to a further 30% of building sum insured
Household appliance cover - Contents e.g. refrigerators, freezers and washing machines
Motor burn out for your contents Applicable per claim, for motors under 10 years of age	Up to $2,500		Up to $2,500
Accidental damage for your contents
Contents outside your home	Up to $2,500 per item and 20% of contents sum insured		Up to $2,500 per item and 20% of contents sum insured

Coles Insurance Benefits	Building and Contents	Building	Contents (Renters or Owners)
Save $10 instantly at a Coles Supermarket checkout every time you redeem 2,000 flybuys points ~
Faster flybuys points at Coles Supermarkets +
Lifetime guarantee on all building repairs we authorise and arrange^
Change your excess to find the right price for you
24/7 claims lodgement service
Dedicated Claims Specialists

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 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 gift cards, iTunes cards, tobacco and tobacco related purchases).

⁺ 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.