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


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
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


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
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)
Save $10 instantly at a Coles Supermarket checkout every time you redeem 2,000 flybuys points ~
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

Get a quote Get a
quote
Get a quote Get a
quote
Get a quote Get a
quote

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.