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Our Verdict
- It's good if you're a Bupa health member. You get between 10% and 15% off. You can also earn bonus flybuys points.
- Unlike many home insurers, Bupa also lets you choose the level of cover you want: Gold, Silver or Bronze.
- If you're not a Bupa health member, there's less reasons for you to take out cover. Its policies are issued by Insurance Australia Limited who underwrite lots of other insurers in Australia.
Bupa offers the standard policy types: a combined home and contents insurance, contents insurance, and building insurance. After choosing your policy type, you can choose the level of cover your want – Gold, Silver or Bronze. On top of that, if you're a Bupa health member, you can save 10% on your policy.
Some main events covered by Bupa home insurance include:
Bupa home insurance is backed by Insurance Australia Limited, one of the biggest insurance companies in Australia. It comes with a 21-day cooling off period which is standard among most insurers. This allows you to cancel your policy and receive a refund so long as you haven't made any claims.

Standard features
These are some of the standard features that you can claim on with the Bupa Gold home insurance policy if an insured event causes damage or loss. Keep in mind that this is its most comprehensive policy. Not all benefits are included in the Silver or Bronze covers.
- Key and lock replacement
- Accidental damage
- Burning out of an electric motor
- Alternative accomodation
- Modifications to your buildings
- Contents in transit
- Debris removal and demolishing
- Document damage
- Funeral expenses
- Legal Liability
- Guests' or visitors' belongings

Exclusions
Your Bupa home insurance claim will not be paid if a claim is made due to:
- Settling, shrinkage or earth movement
- Damages caused by erosion, rust, depreciation or wear and tear
- Damages caused by rats, mice or insects
- Damages caused by structural defects or faulty workmanship or design
- Malicious damage, vandalism, theft or a deliberate or intentional act by a tenant (except if you have Landlords Insurance)
- Mechanical or electrical breakdown (except electric motor burnout)
- Water entering your building through an opening made for building, renovation or repair work
- Damages caused by roots from trees or plants
- Liability arising due to an injury to any member of your family or anyone who normally lives with you
- Liability arising from any alterations, renovations or additions to your buildings that cost more than $75,000
- Lawful destruction or confiscation of your property
- Damages caused by mildew, atmospheric or climatic conditions
- Deliberate or intentional act by you, or anyone acting for you
- Damages caused by storm surge
Make sure you read Bupa's PDS for a full list of exclusions. Our general exclusions page also outlines more information about what home insurance doesn't usually cover.
We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2020 and June 2021. The data breaks down different underwriters and compares their business size to the number of complaints processed.
When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.
Here's an overview of how Bupa (Insurance Australia Limited) did:
- Insurance Australia Limited is considered a very large insurer so it's normal to see a high volume of complaints. It did, however, excel in how many complaints were resolved directly with the customer (40.14%).
- At 974 complaints for the financial year, Insurance Australia Limited received almost double that of QBE.
Bupa home insurance could be ideal if you're also a health insurance customer, or are considering taking out a policy. It's also issued by one of Australia's biggest insurers. However, insurers such as Budget Direct, Coles and St.George all offer bigger sign up discounts.
Not sure yet? Compare other home insurance brands side-by-side to find a policy you're happy with.
If you've held, or currently hold, a Bupa home insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Bupa is right for them. Some reviews are from a survey commissioned by Finder.