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Compare Coles Home Insurance policies

INSURED EVENTS		Home Get a quote	Home Plus Get a quote
Buildings cover only, Contents (Renters) cover only, Buildings & Contents
Accidental damage to your house and contents
Fire, flood, storm, lightning, earthquake
Theft, attempted theft, vandalism, malicious acts
Animal damage, explosions, riots or civil commotion, impact
Bursting, leaking or overflowing of water or liquid

ADDITIONAL BENEFITS
Buildings Cover	Claimable?	Home	Home Plus
Building safety net	​After an insured event2		up to a further 30% of building sum insured
Household appliance cover - buildings	​After an insured event2
Accidental damage to building	​After an insured event2		​
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​	up to $2,500 per claim, for motors under 10 years of age
Accidental breakage of glass	​Anytime 1
Key and lock replacement	After an insured event2	up to $500 per claim	up to $2,500 per claim
Emergency repairs	After an insured event2
Professional fees e.g. fees from architects or engineers	After an insured event2		​
Local and state fees e.g. local council fees when rebuilding	After an insured event2
Temporary accommodation for pets	​After an insured event2
Trees, plants and shrubs	​After an insured event2
Temporary accommodation	​After an insured event2
Building modifications (following serious injury)	After an insured event2	up to $5,000 per claim	up to $10,000 per claim
flybuys EXTRA POINTS*
Contents (Renters) Cover	Claimable?	Home	Home Plus
Accidental damage to contents at property	​After an insured event2	Optional
Accidental loss or damage to contents (Australia wide)	​After an insured event2	Optional	up to $2,500 per item and 20% of contents sum insured ​
Household appliance cover	​After an insured event2
Jewellery and watches	​After an insured event2	up to $1,000 per item, $5,000 in total ​	up to $2,500 per item and 20% of contents sum insured
Computers, laptops, tablets and mobile phones	​After an insured event2	up to $1,000 per item, $5,000 in total	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	up to $2,500 per claim, for motors under 10 years of age
Accidental breakage of glass	​Anytime 1
Coverage when you change your address	Anytime 1		​
Key and lock replacement	After an insured event2	up to $500 per claim	up to $2,500 per claim
Frozen and refrigerated groceries	​After an insured event2	up to $500 per claim	up to $2,000 per claim
Contents in the open air e.g. BBQ, outdoor furniture, children swing set	After an insured event2	10% of sum insured
Replacement of documents	After an insured event2
Tools of trade	​After an insured event2	up to $1,000 per item, $5,000 in total	up to $2,500 each item, $10,000 in total
flybuys EXTRA POINTS*	​

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.

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.