Combined Building and Contents

Coles Building & Contents Insurance covers your home and contents against theft and the most damaging and costly situations, such as fire, floods, storm and water damage. Save 5% by combining building and contents, and take advantage of our special offer to earn triple FlyBuys points (conditions apply).

Coles Building & Contents Insurance gives you no-compromise cover at a competitive price.

Building & Contents Insurance - quick cover guide*

Cover for fire, flood, theft, storm and water damage?		Lifetime repair guarantee? Details
Cover for outdoor items like BBQs and garden furniture?		Cover for vandalism and animal damage?
Replacement of frozen food and refrigerated groceries?		New-for-old replacement of white goods, electronics and furniture?
Fully insure high-value items at no extra cost? Details		Temporary accommodation?

* This is a summary of the Coles Building & Contents Insurance policy. For full details, read on below, see our comparison of policy types and read the Product Disclosure Statement (PDF, 490 KB).

No-compromise cover

You can have confidence that a Building & Contents Insurance policy from Coles Insurance gives you the features and service you expect, at a competitive price.

Our quality policies include features you would expect as standard, including cover for fire, flood, theft, storm damage and more - and a lifetime guarantee on building repairs we authorise and arrange. Plus, you also get these great benefits as well:

• Temporary accommodation for your family and your pets
• Demolition and removal of debris
• Rebuilding costs such as surveyors, architects, council fees, etc
• New-for-old replacement of white goods, furniture and electronics
• Replacement of frozen food and refrigerated groceries
• Cover for garden furniture, bicycles and sporting goods
• Cover for burst pipes

Find out more about the quality of our cover.

Like any insurance policy, there are important conditions and limitations on these features. The Product Disclosure Statement can help you understand all policy conditions.

Fully insure your high-value items - at no extra cost

It’s never easy when your precious possessions are damaged or stolen, but it’s even worse to find out they weren’t fully covered. That’s why Coles Building & Contents Insurance lets you insure all of your high-value items for their full replacement value - at no extra cost to you.

As long as you tell us about each high-value item, including its replacement cost, it's fully covered.

Here are just a few examples of what Coles Building and Contents Insurance protects:

• Jewellery
• Expensive electronics
• Musical instruments and sporting goods
• Antiques and collectables

If you do need to claim on these items, you will need to provide evidence of ownership and value. So it’s a great idea to keep good records now, just in case.

Earn triple FlyBuys points at Coles Supermarkets

PLUS three more ways to save

Combine your policies and save 5%

By taking out Building & Contents Insurance with Coles Insurance, you’ll save 5% off your building premium and 5% off your contents premium.

Choose a higher excess

Choosing to pay a higher excess reduces your premiums. You can even nominate different excess levels for your building insurance and your contents insurance.

If you have a claim that includes building and contents components, you won’t have to pay both excesses - just whichever one is higher.

Choose policy options to suit you

Coles Insurance lets you choose which optional covers you need, and which you don’t. Here’s how:

Motor burn-out: This optional cover, offered in both building and contents policies, protects motors such as pool pumps, external heating or cooling units, fridges and washing machines. You can save if you don’t want to include this option.

Accidental damage of contents: Red wine stains on carpet or tiles cracked by accident can be expensive to replace, but you can choose to save by leaving the accidental damage option out if the risk (or the cost of your carpet!) is low.

When you get a Home Insurance quote from Coles Insurance, you will see these options clearly spelled out for you, including the cost to include them.

You can even cover goods when you're on the go

You can nominate to cover valuable items against theft or damage when you take them out of the house. If you’re worried about items such as laptops, mobile phones, jewellery and handbags, you can add optional cover for these items in your Coles Building & Contents Insurance policy.

There for you when it counts

If something happens to your home, you can count on your Coles Building and Contents Insurance policy to get your home back to the way it was. The Building and Contents Insurance policy includes:

• emergency repairs to secure your buildings
• temporary accommodation
• key and lock replacement.

If you have a claim, you’ll speak to a real person, based in Australia, who will guide you through the claims process and ensure you understand each step. Our claims specialists will ensure that your claim is processed quickly and with a minimum of hassle.

Plus, we’ll handle all of the paperwork for you.

Read more about claiming with us

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