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