1300 Home Insurance

1300 Insurance provides a wide range of insurance products for Australians. For home insurance the company provides three home insurance products: home, contents and a combined home and contents policy. If you already use 1300 for your car insurance you get a 10% discount if you buy a separate home or contents insurance policy.

Cover options with 1300 Insurance

Home Insurance

Home insurance from 1300 Insurance provides cover for the cost of repairing or rebuilding your home. Insured events include a range of incidents from broken windows and burst pipes to fire, explosion, theft, vandalism, storm and more. Cover includes demolition and debris removal costs, temporary accommodation costs and $20 million of legal liability protection.

Contents Insurance

1300 Insurance contents insurance is designed to provide cover for loss or damage to your possessions resulting from fire, theft, storm, vandalism, escape of liquid and more. This includes cover for debris removal, temporary accommodation costs, replacement of locks and keys and open-air contents. $20 million of legal liability cover is also provided.

Home & Contents Insurance

You also have the option to combine the two policies above into one Home & Contents policy to provide comprehensive cover for your home and belongings. This is designed to provide complete peace of mind against the unexpected, while you can also save 10% if you buy combined Home & Contents cover online.

Levels of home insurance cover with 1300 Insurance

Home Insurance

• Covers your home against loss or damage caused by fire, explosion, theft or attempted theft, malicious damage, vandalism, accidental glass breakage, storm and rainwater, lightning, earthquake and escape of liquid
• Covers removal of debris and temporary accommodation costs
• Landlord benefit available
• Flexible premium payment options
• 21-day money-back guarantee

Contents Insurance

• Covers your contents against loss or damage as a result of fire, explosion, theft or attempted theft, malicious damage, vandalism, accidental glass breakage, storm and rainwater, lightning, earthquake and escape of liquid
• Covers replacement of locks and keys
• Cover for open-air contents, temporarily removed contents and contents in transit
• Cover for guests’ and visitors’ contents
• Flexible premium payment options
• 21-day money-back guarantee

Home & Contents Insurance

• All the benefits of Home Insurance and Contents Insurance
• Save 10% if you buy online
• Optional extras include cover for personal effects, accidental damage and motor burnout
• Flexible premium payment options
• 21-day money-back guarantee

General exclusions

Your 1300 Insurance home insurance claim will not be paid if:

1300 Insurance home insurance excess

When you make a claim on your 1300 Insurance policy you will be required to pay an excess. This is the first amount you must contribute toward the cost of any claim, and an excess is payable for each incident that results in loss or damage.

When you make a claim, you will be informed whether you need to pay the excess to a repairer or supplier, straight to the insurer, or whether the excess will be deducted from the claim amount paid to you.

Who is eligible for 1300 Insurance home insurance?

1300 Insurance home insurance policies are available to all Australian homeowners. However, you should always compare a range of cover options before deciding on the right policy for your needs.

Making a claim

If your home or contents are lost or damaged, the first thing you need to do is to take all reasonable steps to prevent further loss or damage from occurring. Incidents of theft or malicious damage should be reported to the police immediately, while you should also notify the insurer of your claim as soon as possible.

When you make a claim you will need to provide:

• Your policy number and contact details
• Full details of what has happened
• A police report number (if applicable)
• Evidence of the value and ownership of any damaged or lost property or goods

You will also need to give the insurer the opportunity to inspect the damaged goods or property before repairing or disposing of them.

If you have completed the above steps you can lodge your claim online or call 1300 467 872 to speak directly with a claims consultant.

FAQs

• How can I buy a 1300 Insurance home insurance policy?

  You can buy your 1300 Insurance policy online or by phoning the insurer.

• Are there any optional covers I can add to my policy?

  Yes, you can add personal effects cover to Contents Insurance, while the following options can be added to Home Insurance and Contents Insurance policies for an additional premium:

  • Motor burnout cover
  • Accidental damage cover
  • Variable excess to reduce your premium

• What can I do to lower the cost of my home and contents insurance premiums?

  There are several things you can do to reduce your premiums, such as:

  • Excluding all extra-cost options from your policy
  • Choosing a higher excess
  • Pay your premium annually instead of in monthly instalments

• Who underwrites 1300 Insurance’s home and contents insurance policies?

  The policies are underwritten by Auto & General Insurance Company Limited.

• How long is the cooling-off period on home insurance policies from 1300 Insurance?

  A 21-day cooling-off period applies, which means you can cancel cover within the first 21 days and receive a 100% refund of your premium.