Coles Home Insurance Review April 2021 |

Coles Home Insurance

Protect your home and precious belongings with Coles Home Insurance.

Coles Home Insurance

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Compare policies to safeguard your property and possessions against fire, floods and more. Coles offers a 24/7 claims lodgement service, a lifetime guarantee on authorised building repairs and collect double flybuys points at Coles Supermarkets with a Coles Home Insurance policy.

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What cover options are available from Coles Home Insurance?

For building, contents and combined policies, you can select from two levels of cover: Home or Home Plus. Home Plus covers slightly more events and has higher benefit limits on individual items. Here is what a home and contents Home Plus policy covers:

Combined Home & Contents Insurance

Feel confident knowing that your home and possessions are covered against:

  • Fire
  • Flood
  • Impacts
  • Breakage of glass
  • Bursting, leaking or overflowing of water
  • Theft
  • Vandalism and malicious acts
  • Animal damage

Building Insurance

Our building-only insurance covers your home against the most common types of damage such as:

  • Fire
  • Flood
  • Impacts
  • Breakage of glass
  • Bursting, leaking or overflowing of water
  • Theft
  • Vandalism and malicious acts
  • Animal damage

Contents Insurance / Renters Insurance

Rest easy with cover against theft and damage for your most important things. Insure your high-value items inside your home for their full replacement value at no extra cost.

  • Electronics
  • Furniture
  • Carpets
  • Perishable food
  • Clothing
  • Toys
It also covers less tangible items such as digital media, computer software and documents.

You can combine both building and contents insurance together to insure your property and possessions. In addition, there are a number of optional benefits for specific valuable items or portable contents cover should you wish to include this in your policy.

What does each policy cover?

here are three overall policy types you can choose with Coles Home Insurance. Here's how they compare:

Insured eventsCombined Building and ContentsBuildingContents
Combined Building and Contents, Building cover only, Contents
Fire, flood, storm, lightning, earthquake
Theft and vandalism
Bursting, leaking or overflowing of water or liquid
Legal liability cover up to $20 million
Additional benefitsCombined Building and ContentsBuildingContents
Key and lock replacement
Temporary accommodation for your family and pets
Demolition and removal of debris
Rebuilding costs
Trees, plants and shrubs
Emergency repairs
Accidental breakage of glass 2
Accidental breakage of glass 2
New for old replacement
Specify high value items
Contents in open air
Tools and equipment
Coverage when you change your address 2
Guest or visitor contents if stolen or damaged
Frozen or refrigerated grocery loss Cover in the case of unexpected interruption to your public power supply
Emergency grocery cover Cover if you aren't able to access your home as a result of an insured event
Motor burn out for your building Optional Optional
Motor burn out for appliances in your home Applicable per claim for motors under 10 years oldOptional
Accidental damage to your contentsOptional
Contents outside your homeOptional
Plus coverBuilding and Contents Plus Building Plus Contents Plus
Household appliance cover - Building
Motor burn out for your building
Accidental damage for your building
Building safety net Up to a further 30% of building sum insured
Household appliance cover - Contents
Motor burn out for your contents
Accidental damage for your contents
Contents outside your home
Coles Insurance BenefitsBuilding and ContentsBuildingContents
Save $10 instantly at a Coles Supermarket checkout every time you redeem 2,000 flybuys points
Faster flybuys points at Coles Supermarkets
Lifetime guarantee on all building repairs we authorise and arrange
Change your excess to find the right price for you
24/7 claims lodgement service
Dedicated Claims Specialists

What isn’t covered?

Here are some general exclusions for Coles home insurance policies:

  • Pre-existing damage or any loss or damage which occurred before the start date of your policy
  • Natural disasters such as bushfires, grass fires, flood, storm, rainwater or named
    cyclone occurring within 48 hours of the start date of your policy, unless you are renewing or have just purchased the property
  • Landslide, landslip, subsidence, erosion, settling, heaving, shrinkage, expansion or any other earth movement not caused by earthquake
  • Actions of the sea, including storm surges, tidal waves, tsunamis and high tides
  • Water entering your home through an opening made for the purpose of alterations, additions, renovations or repairs
  • Mechanical, electrical or electronic breakdown or malfunction of an item, except for motor burn out
  • Power surges, other than as a direct result of an insured event
  • Unlawful, malicious or deliberate acts by you or someone who lives in your home, or by someone who is a member of your family or who has entered your home or site with your consent
  • Your home while it is under construction
  • The incorrect siting of buildings or non-compliance with government regulations relating to buildings
  • Your home if it is unoccupied for longer than 60 consecutive days unless you have informed Coles about this and they have agreed to provide cover
  • Gradual deterioration, including wear and tear, rust, corrosion, depreciation, fading or deterioration from exposure to light
  • Algae, mould or mildew, wet or dry rot, or rising damp
  • Inherent or structural defects, faulty design or workmanship

What excess will I have to pay?

The excess is the amount you have to pay to contribute towards the cost of your Home claim. Increasing the excess you are willing to pay may reduce your premium. The excesses that apply to your individual policy will be shown on your schedule.

If you are claiming for both home and contents, and the excesses are a different amount, you will be required to pay the higher excess, not both excesses.

How can I make a claim?

If you need to make a claim on your Coles Home Insurance policy, contact the dedicated claims team as soon as possible – you can lodge a claim online 24/7. Provide full details of the incident and you will be given a claims number and advised of the next steps.

You can contact them on 1300 265 374 for more information about making a claim.


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2 Responses

    Default Gravatar
    MargieOctober 11, 2018

    Does Coles insurance give 5%-10% discount on member’s food shopping? If so, how can I get this?

      Avatarfinder Customer Care
      JhezOctober 12, 2018Staff

      Hi Margie,

      Thank you for your comment.

      According to Coles Financial Services, if you’re a Coles Insurance, Coles Credit Card or Coles Personal Loan customer, you have the option to take $10 off your Coles Supermarket shop, instantly at the checkout, every time you redeem 2,000 flybuys points. You may check this at the Coles website special offer page.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


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