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      Home insurance is a type of property insurance you can buy to cover your home or contents for loss or damage in events like storms, fire, and theft. The term ‘home insurance’ can refer to different cover types - building insurance, contents insurance, or combined building and contents insurance.

      The age and location of your property are some things that can affect how much you can insure your building for. Other factors include who lives in the property, and how it’s used.

      What is a building insurance policy?

      A Building Insurance policy covers your home’s structure, fittings, and surrounds like fences and sheds. It doesn’t cover things like carpets, floor rugs, or other belongings you’ve placed inside your home. Building insurance is usually popular for people that own their homes. Everyday Insurance offers a sum insured cover that covers your home (building) up to a selected amount.

      Calculate the cost to rebuild my home

      What does building insurance cover?

      Building insurance can protect your home from damage or loss caused by events like:

      Event Example
      Fire

      If there’s a bushfire where your property is located, or an unexpected explosion occurs
      Storm, rainwater, and flood

      If lightning damaged part of your external house wall
      Earthquake, tsunami, or volcanic eruption

      If the tiles on your roof fall off or your fence breaks as the result of an insured event
      Malicious damage

      If someone vandalises and graffitis an external wall of your property
      Accidental glass breakage

      If your child accidentally kicks a ball through your property’s window
      Escape of liquid

      If a pipe unexpectedly bursts in your home
      Impact

      If your property is damaged by a falling tree branch or power pole

      Above is an example table only. Please read the Home Insurance Product Disclosure Statement for full terms, conditions, limits (including sub-limits) and exclusions that apply.

      What is a contents insurance policy?

      A contents insurance policy covers loss or damage for the belongings inside your home like furniture, some free-standing appliances (like fridges), or clothes. It doesn’t cover alarm systems, dishwashers, or things that are permanently attached to your building. Everyday Insurance offers a sum insured cover that covers your contents up to a selected amount.

      What does a contents insurance policy cover?

      Contents insurance policy can protect your belongings from damage or loss caused by events like:

      Event Example
      Fire

      Bushfire smoke damages furniture inside your home
      Theft Someone breaks into your home and steals your television
      Storm, rainwater, and flood

      Water flooding into your house from a storm damages your furniture
      Earthquake, tsunami, or volcanic eruption

      An earthquake causes your television to topple over and smash
      Malicious damage

      Someone breaks into your home and damages your refrigerator
      Accidental glass breakage

      The glass countertop of your coffee table is accidentally smashed
      Escape of liquid

      A burst pipe causes water damage to a carpet in a room
      Impact

      A tree falls onto your outdoor BBQ and damages it

      Above is an example table only. Please read the Home Insurance Product Disclosure Statement for full terms, conditions, limits (including sub-limits) and exclusions that apply.

      Does home insurance cover portable contents?

      Portable contents are belongings you can take outside of your home like watches, sunglasses and sporting equipment. You can choose to insure your portable contents for an additional cost. With Everyday Home Insurance policies, portable contents fall under the 'optional extras' category.

       

      There are two ways to cover your portable contents:

      • Group cover: if you want cover for a few different things, you can choose to insure a group of your belongings for a fixed limit of up to $1,000 per item.

      • Itemised cover: if you want to cover a specific item that might be worth more than $1,000, you can choose itemised cover. Itemised cover gives you cover for the actual value of the item and is listed on your Certificate of Insurance.
      Does home insurance cover portable contents?

      Looking to protect your property or contents?

      Why pick Everyday Home Insurance?

      Bundle to save

      Save up to 10%= when you buy combined home and contents insurance

       

      Bundle to save

      Quality cover you can count on

      Backed by Hollard. One of Australia's largest insurers

       

      Quality cover you can count on

      Award-winning Insurance

      Winner of Finder’s Customer Satisfaction Awards for Highly Commended Home Insurance 2023
      See our awards
       

      Award-winning Insurance

      24/7 emergency claims assistance

      In the event of an emergency, our friendly claims team is available around the clock to help make your home safe and secure

      24/7 emergency claims assistance

      Home Insurance Info Hub

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      Important information

       

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      = Up to 10% discount applies when you combine Building and Contents policies. Applies for the life of the combined policy. Minimum premiums apply which could reduce any discount you are entitled to.

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      Cover and benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy. Any advice provided is general only and may not be right for you. Before you purchase this product you should carefully read the Home Insurance Product Disclosure Statement and consider the Target Market Determination to decide if it is right for you.

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      Life Insurance is issued by Swiss Re Life & Health Australia Limited ABN 74 000 218 306 AFSL No. 324908 (Swiss Re) and administered by Greenstone Financial Services Pty Ltd, ABN 53 128 692 884; AFSL No. 343079 (Greenstone). Roadside assistance is provided by Digicall Assist Pty Ltd ABN 92 152 605 340. Car, Home, and Landlords Insurance are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL No. 241436 (Hollard).

      Pet Insurance policies are issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183, except for those entered into before 17 July 2023 & subsequent renewals, which are issued by Hollard.

      Travel Insurance policies are issued by Pacific International Insurance Pty Ltd, ABN 83 169 311 193 and administered by nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461. 

      Woolworths Group Limited, AR 245476 acts as Hollard, PetSure, nib’s and Greenstone's Authorised Representative.

      Any general advice provided does not consider your objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS), Financial Services Guide (FSG) Target Market Determination (TMD) available on this website, to decide if the product is right for you.

      © Woolworths Group Limited 2020. All rights reserved. ABN 88 000 014 675