Aussie Home Insurance

Choose from 4 policy options and keep your investment secure with home insurance from Aussie

Aussie home insurance offers a range of competitively priced home insurance options to suit the needs of both owner occupiers and property investors. Whether you are looking to protect your home building, contents or both Aussie has flexible cover with additional options to match your needs.

What policies are offered by Aussie?

Home building insurance

Aussie home building insurance protects your home against loss or damage caused by a range of insured events, including fire, storm, impact damage, theft and vandalism. Optional flood cover is available as is an optional sum insured safeguard in case the damage incurred exceeds your level of cover. Other benefits include cover for mortgage discharge costs, removal of debris, temporary accommodation and $20 million legal liability cover.

• Covers loss or damage caused by fire, explosion, impact, storm, accidental glass breakage, malicious damage, theft, escape of liquid and more
• Covers removal of debris and temporary accommodation costs
• $20 million legal liability cover
• Optional flood cover
• Optional sum insured safeguard
• Flexible excess options
• Fast and easy application process
• 21-day money-back guarantee

Contents insurance

Aussie contents insurance covers the items inside and outside your home against theft, accidental breakage, storm, malicious damage and fire. This includes cover for debris removal, temporary accommodation costs, replacement of locks and keys, and contents temporarily removed from your address. You also get $20 million of legal liability protection, while flood cover and accidental damage cover are available as optional extras.

• Covers your possessions for loss or damage caused by fire, explosion, impact, storm, accidental glass breakage, malicious damage, theft, escape of liquid and more
• Removal of debris
• Temporary accommodation costs
• Replacement of locks and keys
• Contents temporarily removed from the insured address
• $20 million legal liability cover
• Optional flood cover
• Optional accidental damage cover
• Flexible excess options
• Fast and easy application process
• 21-day money-back guarantee

Home and contents insurance

While you can buy Aussie home insurance and Aussie contents insurance as separate policies, you can also combine the two together to provide comprehensive cover. If you choose this option and buy cover online, you can save 25% off your premium.

• Combines all the benefits of Aussie home building insurance and Aussie contents insurance
• Buy online and save 25%
• Optional flood cover
• Flexible excess options
• Fast and easy application process
• 21-day money-back guarantee

Landlords insurance

Landlords insurance from Aussie allows you to protect your investment property against fire, theft, storm, impact and more. You can add contents insurance cover to your policy if required, plus enjoy extra benefits such as cover for loss of rent and damage to the fixtures and fittings. Optional cover for tenant default and cover for theft or malicious damage by tenants are also available.

• Covers loss or damage caused by fire, explosion, theft, malicious damage, storm, impact damage, earthquake and more
• Can add contents insurance if home is partly or fully furnished
• Covers loss of rent
• Covers damage to fixtures and fittings
• Optional tenant default cover
• Optional theft and malicious damage by tenant cover
• Optional flood cover
• Variable excess options
• Fast and easy to apply
• 21-day money-back guarantee

What won't be covered?

Aussie home insurance will not pay your claim in the following circumstances:

• It is caused by flooding (unless you have selected optional flood cover).
• It is caused by a high tide, a storm surge or a tsunami.
• It is caused by underground water seepage or pressure.
• It is caused by the presence of asbestos.
• You failed to maintain your home or contents in a reasonable condition.
• Your home was unoccupied for more than 60 consecutive days.
• It results because you broke the law.
• It arises because you failed to comply with any government laws or regulations, for example failing to install smoke alarms or appropriate pool fencing.
• It is for loss or damage to any part of the home specifically used for any business, trade or profession (please note that home offices are included in cover).
• It is for consequential loss.
• It arises due to structural defect or faulty workmanship.
• It is caused by erosion, landslide, subsidence or any other type of earth movement (unless it occurs within 72 hours of and as a direct result of earthquake, explosion or storm and rainwater).
• It is caused by rust, corrosion, rot, mould or gradual wear and tear.
• It arises due to an intentional act by you, your family, or someone acting with your consent.
• It arises due to lost or corrupted electronic files or data.
• It arises due to mechanical or electrical breakdown.
• It is caused by the lawful seizure or repossession of your home or contents.
• It is caused by tree lopping or felling.
• It is for loss or damage caused by bushfire, grassfire, storm or flood (if you have selected this option) within the first 72 hours of cover.
• It is caused by insects, birds, rodents or vermin.

Making a claim

If you need to make a claim on your Aussie home or contents insurance policy, you can do so by phoning 1300 244 266. Aussie’s claims team will guide you through the entire process and answer any questions you may have. You must also follow a few simple steps to ensure the fast and smooth processing of your claim:

• Take all reasonable steps to prevent any further loss or damage.
• Report any theft, malicious damage or burglary to the police and obtain a copy of the incident report number.
• Provide full details of the incident leading to your claim.
• Provide evidence of the value and ownership of goods or property that has been lost, stolen or damaged.
• Allow the insurer to inspect any damaged goods or property.

Some final questions you may have