How do I make a claim with CBA?

To make a claim , contact Hollard Insurance (this policy's underwriter) at 13 1361 as soon as you can. You must take all reasonable actions to prevent or stop further damage to your property and be honest when making your claim. You must also report the incident to the police if the claim relates to theft or malicious acts. You will need to prove ownership of anything you are claiming under the contents policies. You can use the following to establish ownership: Receipts Warranty certificates Instruction manuals Original packaging Photographs Bank or credit card statements Valuation certificates Before processing your claim, Hollard Insurance may need to take action against a third party, interview you regarding the claim, or inspect your building and contents. Once Hollard Insurance has assessed your claim, they will contact you to discuss how they will settle. They may either repair, replace or reimburse you for the cost of your possessions that were damaged or destroyed by an insured event.

Who is eligible for a CBA home insurance policy?

To be eligible for a CBA home or contents insurance policy, you must be: Be aged 15 years and above (unless by exception), or a company Own a domestic home in Australia Meet underwriting guidelines and all policy acceptance criteria. Certain factors increase the risk and may mean you can't get cover, including: The type of property (e.g. if it's under construction) The total replacement value of the building The condition of the home (e.g. poor condition) The use of the property (for example if it's used for business, commercial or farming activity) Whether the home is occupied.

CBA Home Insurance Review

4.1 (685 reviews) Write a review

Our Verdict

CBA covers up to an additional 25% on top of your sum insured building and contents when it isn't enough to cover your loss. This is often an optional add-on for many other insurers we looked at.
Its home and contents insurance has been awarded for its outstanding value for a number of years.

You get up to 15% off combined building and contents insurance – insurers such as Budget Direct, St.George and Westpac all offer larger discounts when you sign up.

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What does CBA home insurance cover?

You can get 3 different policy types. CBA offers building insurance, contents insurance and a combined home and contents insurance policy. To add to that, CBA also offers landlord insurance.

Some main events covered by CBA home insurance include:

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Fires

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Theft

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Escape of liquid

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Storms

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Malicious damage

CBA home insurance is backed by Hollard Insurance. It offers customers the choice to pay more than the standard excess amount (which differs depending on the state you live in) and has a standard cooling off period of 21 days.

Here's the rundown of a CBA home insurance policy

Standard features
Optional add-ons
Exclusions

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Standard features

These are some standard features that you can claim if an insured event causes damage or loss.

Alternative accommodation
Contents in transit
Damage by emergency services
Demolition and debris removal
Domestic pets
Loss of rent

Accidental glass breakage
Animal damage
Burn out of electric motors
Earthquakes
Escape of liquid

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Optional add-ons

CBA home insurance comes with few optional extras compared to other insurers such as Budget Direct, Virgin and Qantas.

Accidental damage
Domestic Workers' Compensation Cover

Portable contents cover

Exclusions

All home insurance policies will have general exclusions. Here are some things you won't be covered for with CBA.

Defects or poor workmanship
Damage if your property is not compliant with government regulations or requirements
Your building while in the process of major renovation, alteration, extension or structural improvement unless CBA has agreed to continue the insurance
Wear and tear and lack of maintenance, including rust, corrosion and deterioration

Water, including rainwater, after it has disappeared beneath the surface of the land at your insured address
Normal actions of the sea, ocean or other marine waters
The gradual rising of the levels of the sea, oceanic waters or other marine waters due to any change in climate
Subsidence or landslide

Make sure you read CBA' PDS for a more detailed breakdown of what's not covered. You can also head to general exclusions for more information.

This is the bottom line about CBA

CBA home insurance is a good overall home insurer compared to other policies on the market. It comes with plenty of benefits included as standard and an additional 25% on top of your sum insured building and contents when it isn't enough to cover your loss. However, you can get bigger discounts elsewhere.

If you're not ready to take out a policy, you can compare other home insurance brands side-by-side here.

Frequently asked questions

To make a claim, contact Hollard Insurance (this policy's underwriter) at 13 1361 as soon as you can. You must take all reasonable actions to prevent or stop further damage to your property and be honest when making your claim. You must also report the incident to the police if the claim relates to theft or malicious acts. You will need to prove ownership of anything you are claiming under the contents policies. You can use the following to establish ownership:
Receipts
Warranty certificates
Instruction manuals
Original packaging

Photographs
Bank or credit card statements
Valuation certificates
Before processing your claim, Hollard Insurance may need to take action against a third party, interview you regarding the claim, or inspect your building and contents. Once Hollard Insurance has assessed your claim, they will contact you to discuss how they will settle. They may either repair, replace or reimburse you for the cost of your possessions that were damaged or destroyed by an insured event.
To be eligible for a CBA home or contents insurance policy, you must be:
- Be aged 15 years and above (unless by exception), or a company
  Own a domestic home in Australia
  Meet underwriting guidelines and all policy acceptance criteria. Certain factors increase the risk and may mean you can't get cover, including:
  The type of property (e.g. if it's under construction)
  The total replacement value of the building
  The condition of the home (e.g. poor condition)
  The use of the property (for example if it's used for business, commercial or farming activity)
  Whether the home is occupied.

Leave a CBA home insurance review

If you've held, or currently hold, a CBA home insurance policy, we'd love to hear from you. Your reviews help other Australians decide if CBA is right for them. Some reviews are from a survey commissioned by Finder.

Sources

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Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 574 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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