home insurance cover note qld

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Home and Contents Insurance

• Why choose us
• What's covered
• Events covered

Why choose Allianz Home and Contents Insurance?

Up to 30% no claim bonus 2,4, instant certificate of currency, 24/7 claims service, award-winning insurance.

What our Home and Contents Insurance covers

• What’s covered

What’s not covered

Optional cover, what’s covered .

• Repair, rebuilding or replacement after an insured event
• If an insured event damages your building and contents, and we’ve accepted your claim, we’ll pay the reasonable cost of repairing or rebuilding the damaged part of your buildings. We’ll also pay the reasonable cost of repairing or replacing your contents items. We’ll pay up to the relevant buildings and contents sum insured you nominate, or any set limits outlined in the PDS.
• Legal liability cover
• Covers you if you’re found liable to pay compensation to someone because you’ve accidentally injured them or damaged their property during the period of insurance. We’ll pay up to $20 million.
• Alternative accommodation for you and your pets
• If, during the period of insurance, an insured event damages your home building or contents, or both, and you can’t live there, we’ll pay your temporary rental accommodation costs. Covers your rental costs for temporary accommodation for up to 12 months and the policy limits. 6 We’ll also pay up to $500, as a one-off payment, for commercial pet boarding.
• Moving House cover
• If you have Contents Insurance and you’re moving house, we’ll cover your contents at both your new and old Australian address for up to 14 days after you first start to move. Note: We won’t cover your contents while they’re in transit.
• Debris removal
• If an insured event damages or destroys parts of your home building and you have Building and Contents cover, we’ll help with the costs to remove the debris. Covers up to 10% of your building or contents sum insured amount. Note: You’re covered for building debris removal if you have Buildings cover and for contents debris removal if you have Contents cover.
• Replacement of locks or cylinders
• If your keys are stolen, or there are reasonable grounds to believe they’ve been copied, we’ll help with the costs to replace your locks or cylinders for any external doors or windows. We’ll pay up to $1,000.
• Emergency contents storage
• With Contents cover, if your home is damaged by an insured event and you can’t stay there, we’ll pay to move and store your contents. We’ll pay up to the maximum balance of your contents sum insured for a maximum of 12 months. That’s after we’ve paid any claim for your damaged contents.
• Making your home building environmentally friendly
• With Building cover, if your building is totally destroyed and needs to be rebuilt, we’ll help with the costs 7 to install environmental systems such as rainwater tanks. In addition to your building sum insured, we’ll pay up to $5,000 after the deduction of any government or council rebates.
• Your unoccupied home for any period longer than 60 consecutive days – unless agreed with us in writing.
• We won’t cover loss, damage, injury or legal liability due to the following:
• Wear and tear, including gradual deterioration or lack of maintenance.
• Existing defects, damage, or poor workmanship.
• Alterations, additions, demolition, repairs or decorations to your building worth more than $75,000 – unless agreed with us in writing.
• Certain items while they’re being used, such as sports equipment, bicycles, and watercraft.
• Lost property that’s mislaid or missing – unless you’ve insured it under optional portable contents.
• Cracked glass or screens in laptops, mobile phones, computers or their accessories where this is the only damage to the item.
• Pets or domestic animals, insects, birds, or vermin.
• Storm surge, sea level rises, king or high tides.
• Flooding – unless you’ve added optional Flood cover.
• Soil movement including erosion, landslide, mudslide, or subsidence, unless it’s directly caused by and occurs within 72 hours of an explosion, earthquake, tsunami, storm or flood (where your policy schedule shows you have optional cover for flood).
• Holiday letting or renting any of your buildings to tenants for money, such as a granny flat.
• Portable Contents
• Covers loss or damage to your portable items, such as wallets, glasses, jewellery, cameras and mobile phones, 8 caused by theft or an accident. This option covers your portable contents Australia-wide or anywhere in the world when you’re outside Australia for up to 120 continuous days in any one period of insurance. Choose from two types of cover – listed or unlisted.
• Covers you for loss or damage to your home and contents caused by flood and certain flood-related events. 5 Optional Flood cover may not be available in some areas. Note: 72-hour exclusion period may apply. We don’t provide cover for any loss or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72 hours after you first take out or increase the cover under the policy. For full details of conditions and exclusions, see the relevant PDS.
• Accidental Damage
• Covers you for accidental damage caused by sudden, unforeseen and unintended events, not just the specified insured events. This option automatically includes Motor Burnout cover.
• Motor Burnout
• Covers you if an electrical current damages your domestic household’s electrical motors, such as your fridge or freezer, providing they’re under 10 years old.
• Domestic Workers' Compensation
• Covers people you employ at your insured address to help you around the house, such as a cleaner, gardener or nanny. Only available in Tasmania, Western Australia and the Australian Capital Territory.

Events our Home and Contents Insurance covers

• Fire or smoke (including bushfires 5 and grassfires 5 )
• Theft or burglary
• Storm and cyclone 5 , rainwater or run off (not including flood which, subject to eligibility, may be available under the optional Flood cover 5 )
• Water or other liquid damage
• Impact damage
• Earthquake or tsunami
• Accidental breakage of glass or ceramic items
• Vandalism or malicious damage
• Riots or civil commotion

For a full list of events covered by Allianz Home Insurance, see the relevant PDS .

Home and Contents Insurance quotes

• Building Insurance

Covers the physical structures that make up your home building. From the house itself, to your garage, fences, paved driveways, and even fixtures like hot water systems, air conditioners and more.

The amount you choose to insure your building for is called the building sum insured .

Contents Insurance

Covers the belongings you have at the insured address. From your furniture, carpet, electrical appliances and BBQ, to even clothes, shoes, handbags and more.

The amount you choose to insure your contents for is called the contents sum insured .

Home Insurance calculators

When you take out Home Insurance, it’s important the amount you’re insured for accurately reflects the cost to rebuild your property and replace your contents.

If you’re insured for less than the replacement value of your home and contents, you might have to pay the difference out of your own pocket. Use our calculators as a guide to find out how much you should be insured for.

Building replacement calculator

Contents replacement calculator, ready to get started, frequently asked questions.

Home and contents insurance covers the cost of repair or replacement to your building and contents when loss or damage is caused by events such as break-ins, fires (including bushfire 5 and grassfire 5 ), storms, impact damage such as a fallen tree, as well as accidental breakage of glass and more.

Plus, it provides legal liability cover which can cover you if you’re found liable to pay compensation to someone because you’ve accidently injured them or damaged their property during the period of insurance.

Flood cover 9 may be available as an optional cover.

The cost of your insurance is called a ‘premium’. Your premium will depend on a number of factors, and can change each year when you renew your policy. Your premium for each period of insurance will be shown on your policy schedule.

There are a number of factors that determine how your Allianz Home and Contents Insurance premium is calculated, including:

• Where you live
• The type of property you’re insuring
• The amount and type of cover you require
• Any other people also insured under the policy
• The relevant claims history of the people being insured
• The likelihood of a claim being made on your policy
• Any discounts that may apply
• Any compulsory government charges such as Stamp Duty and GST
• Emergency Services Levies if they apply to the State or Territory where your home is located
• Any other charges we tell you of
• The excess you choose 9

To find out the cost of insuring your home building and/or contents through Allianz, get a quick Home and Contents insurance quote in minutes.

Your building and contents can be covered for flood-related damage if you take out optional Flood cover, subject to eligibility. Your building and contents, under Flood cover, will be covered for:

Loss or damage caused by:

• Flood water, combined with run-off and rainwater

As well as loss or damage caused by or arising from the following, if it’s caused directly by and occurs within 72 hours of a flood:

• Soil movement, including erosion

To find out if you’re eligible for Flood cover, get an online quote or call us on 13 1000 .

If you currently hold a policy and would like to find out whether your Building and Contents insurance policy currently has Flood cover, you can log onto My Allianz to check your policy documentation or call us on 13 1000 .

Note: 72-hour exclusion period may apply. We don’t provide cover (where the type of cover you have under the policy provides it) for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72 hours after you first take out or increase the cover under the policy. For the standard terms, conditions and exclusions about our Home Insurance, refer to the Product Disclosure Statement (PDS) .

With Allianz there are a number of ways that you may save on your Home and/or Contents insurance premium:

• Combine your Building and Contents cover on the one Home Insurance policy and save up to 10%. 2,3 (Compared to purchasing each cover as a standalone cover)
• Increase your basic excess: our policies come with flexible excess levels, giving you the option to increase your basic excess, within a given range, which could reduce your premium 9

You should tell us as soon as reasonably possible if during the period of insurance your building is in the course of construction or there are any alterations, additions, demolition, repairs to, or decorations of the building costing more than $75,000. If you don’t, we may refuse or reduce a claim under the policy to the extent we are prejudiced by the delay or the non-disclosure.

When we receive this information, we may:

• Propose changes to the terms and conditions of your policy
• Propose to charge you a higher premium
• Cancel your policy (if there’s a change and we can’t reach an agreement with you on altered terms and conditions or premium; or we’re no longer prepared to insure you because there has been a material change to the risk)
• Decide not to offer to renew your policy

Note: It’s also important that you increase your sum insured to take into account any extensions or renovations to make sure you’re adequately covered in the event of a Home Insurance claim.

Home Insurance covers you against financial losses associated with the damage or loss of the property you own. Home Insurance isn't a legal requirement; however, if you have a mortgage on your property, most banks and mortgage lenders require you to purchase Home Buildings insurance as security to safeguard themselves against financial risk caused by unexpected damage or loss to your property.

Lenders may require you to list them as an interested party when buying insurance and may also request proof of insurance (Certificate of Currency) before the loan is finalised or for each year your mortgage is held with them.

To request a Certificate of Currency for your existing Allianz Home Insurance policy, call us on 13 1000 or log onto My Allianz .

This cover option allows you to insure items which you wear or carry with you outside your home (such as a handbag, wallet, sunglasses, jewellery or a musical instrument). You can choose from two types of Portable Contents cover – unlisted or listed – or you can choose both.

Unlisted Portable Contents

This option allows you to select a per item limit and per claim limit, e.g. up to $2,000 per item and $7,500 per claim. This means you don't have to specifically list your portable item. However, this option doesn't cover items such as laptops, tablets, mobile phones and other wearable technology which need to be covered under Listed Portable Contents.

Listed Portable Contents

This option allows you to cover specifically listed portable items for their full replacement value (less any contributable excess). Laptops, tablets, mobile phones and other wearable technology can be listed under your policy and covered as listed portable items.

This option covers you in the event of accidental unexpected mishaps that are caused unintentionally, for example if you’re moving furniture around the house and damage your wall (if you have Buildings cover) or if you have spilt a drink which causes damage to your carpet (if you have Contents cover).

Here are some examples of the sort of mishaps you’ll be covered for if you take out optional Accidental Damage cover:

If you have Building cover and:

• You accidentally smash a hole in the wall when you move some furniture
• Your kids draw all over your walls

If you have Contents cover and:

• You spill red wine on the new white carpet or lounge

We’ll extend cover for your contents anywhere in Australia for up to 90 continuous days in one period of insurance.

The Accidental Damage cover option automatically includes Motor Burnout cover. Read the PDS for the details of what is covered.

If you take both Building and Contents insurance, here’s how these covers can work together if you suffer an insured loss:

• Your house burns down. You could lose your building, and everything in it. With adequate sums insured under Building and Contents covers, you could rebuild and replace your insured belongings.
• A fire damages your kitchen. You could repair or rebuild built-in damaged parts of your kitchen, such as benchtops, with Home Building insurance. Then you could replace damaged items like blinds and kitchenware under your Contents insurance policy.
• A thief smashes your window, breaks the locks and steals your belongings. You can fix the window and locks through your Building insurance and replace the items that were stolen under your Contents insurance.

Plus, you’ll only have to pay one excess if your building and contents are damaged by the same insured event and you’ve combined them on one policy .

You must tell us as soon as reasonably possible if, during the period of insurance:

• You start using any part of your home buildings for business, trade or professional purposes – except for a home office.
• You remove or stop using any security devices that were specifically required by us.
• You undertake any alterations, additions, demolition, repairs to, or decorations of your buildings costing more than $75,000.
• You commence renting out to your home to tenants.
• Your home building hasn’t been lived in, or won’t be lived in, for more than 60 consecutive days.

If you don’t provide this information as soon as reasonably possible, we may refuse or reduce a claim.

We're here to help

Give us a call, or send us a message, follow us on, *conditions apply.

Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding, and financial institution transaction fees may apply.

Any discounts may be subject to rounding and only apply to the extent that any minimum premium isn't reached. If you’re eligible for more than one discount, Allianz applies them in a predetermined order. This means the effect of applying any subsequent discount will be reduced.

For example, the aggregate effect of applying two discounts consecutively means that you won't see the full benefit of both these discounts.

Discounts don't apply to taxes or government charges.

A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home Insurance policy, including for the following optional covers if selected: Motor Burnout and Accidental Damage cover. The combined discount doesn't apply to Landlord policies, Flood, Portable Contents, or Domestic Workers Compensation optional covers (if available and selected).

• Up to 30% No Claim Bonus When you take out a new policy, we calculate your No Claim Bonus based on your home insurance claims history. To qualify for the maximum No Claim Bonus of 30%, Home Insurance customers must have had no Building or Contents insurance claims in the preceding five years. However, customers who have had claims may still qualify for a reduced No Claim Bonus. After each claim-free year, the No Claim Bonus applied to your renewal premium will be increased by 10%, to a maximum of 30%. However, for every claim you make in a year, the No Claim Bonus applied to your renewal premium will be reduced by 10% to a minimum of 0%. The No Claim Bonus is applied to some optional covers if available and selected; Motor Burnout and Accidental Damage, but not Flood, Domestic Workers Compensation or Portable Contents cover.

We may not provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires, and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. For full details of conditions and exclusions please refer to the relevant PDS .

Covers weekly equivalent rent. Up to 10% of building or contents sum insured, up to a maximum of 12 months and up to $500 for your pets.

This is an extra benefit we pay in addition to your building sum insured. We don’t pay additional alternative accommodation costs under the contents section if we’ve paid it under the buildings section. No excess applies to this benefit.

These are extra benefits we pay in addition to your building sum insured. No excess applies to these benefits.

Some portable contents must be specified on your policy schedule as Listed Portable Contents to be covered.

Not available with respect to any additional compulsory excess, imposed excess applied to the policy or to the Portable Contents excess. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Domestic Workers’ Compensation, Flood or Portable Contents. Minimum premiums apply.

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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.

Queensland Home Insurance

You’re in good hands. AAMI is the trusted insurer of around 800,000 Aussie households.

Not from Queensland?

Lucky you're with AAMI

Get a quote

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What Home Insurance do I need in QLD?

Wild weather is a fact of life in Queensland. That’s why AAMI offers Queenslanders home insurance that covers storm and flood, along with a range of other insured events.

Home & Contents

Suitable for

Home Owner Occupiers

Get $50 Off

First Year Online Discount

What's included?

• Repair or rebuild of your home
• Repair or replacement of your contents

Temporary accommodation

What’s optional?

Accidental Damage at Home

• Excess-Free Glass

AAMI Home Assist

Complete Replacement Cover

• Cover for specified valuable items
• Cover for portable valuables

Get more info

Policy document downloads Product Disclosure Statement (PDS)

Building Only

Get $25 Off

• Lifetime guarantee on authorised repairs

Contents Only

Home Owner Occupiers Renters Duplexes Townhouses Units/flats

• New for old replacement
• Cover for legal liability
• Cover for specified high value portable items

Fire & Theft Only

• Contents damaged or lost by fire or break-ins
• Covers contents for up to $25,000

Landlord Building & Contents

• Repair or rebuild of your rented property

Loss of rent

Tenant Protection

Landlord Building

Landlord contents, landlords duplexes townhouses units/flats.

Get a quote Call 13 22 44

• Repair or rebuild of damaged property
• Temporary accommodation for Unit owners 

Business@Home

or call 13 22 44

Home & Contents including Legal Liability

Public and Products Liability

Property Damage

Back in Business

Real customers

Helping Queenslanders for over five decades

Hear from people like you

Read all Home Insurance reviews

Supporting QLD residents since 2001

Common home insurance claims, be prepared, preparing your home for stormy weather.

If you’re in Queensland and storm season is approaching, there are a few things you can do to help keep your home and family safe.

• Clean your gutters and downpipes to avoid blockages and overflow.
• Secure loose items that can be thrown by strong wind, such as outdoor furniture and play equipment.
• Remove tree branches that are close to your home.
• Prepare an emergency kit, including things like a portable phone charger, bottled water, and torch with spare batteries — just in case.

Learn more about how to prepare your home for storms .

Insured Events

These are the events that you can make a claim for, if they cause loss or damage to your home or contents (or both, of course, if you have a combined policy). There are limits, conditions and exclusions which apply, so check out the policy documents to make sure you’re up to speed.

Including water overflowing from things like lakes, rivers, or dams.

That's rain, wind, thunder, that sort of thing. FYI, storm damage is one of our most common claims, so this is a biggie.

Storm surge

That's a rush of water pushed from the sea onto the land caused by very strong winds. It doesn't include actions or movements of the sea. The loss or damage caused by storm surge must happen at the same time as other insured damage caused by storm.

Including power surges caused by lightning, will be covered providing a qualified repairer confirms lightning as the cause of loss or damage.

Loss or damage caused by fire (includes bushfire) and heat, ash, soot and smoke that is the direct result of a fire within 100 metres of the insured address.​

Earthquake & Tsunami

These may not be likely, depending on where you live, but you'll be covered just in case.

Theft or burglary

This also includes attempted theft, if nothing is stolen but the attempt causes damage that needs repairing.

Escape of liquid

This refers to liquid leaking, overflowing or bursting from things like appliances, fixed pipes, drains, and waterbeds

This refers to damage caused by impact from falling tree branches, power poles or TV antennas.

Damage by an animal

Not your pets, though. This refers to damage caused by animals (not insects, vermin or rodents) who aren’t supposed to be there.

We cover the loss or damage caused by an explosion but we don’t cover the cost of replacing or repairing the tank or container that exploded.

Riot, civil commotion or public disturbance

An example would be damage caused by a violent crowd moving down your street.

Malicious acts and vandalism

This includes things like vandals damaging your letterbox or tagging the building with graffiti.

Insured Events listed above apply to AAMI Home Insurance products, excluding Fire & Theft Contents Insurance which is limited to loss or damage by Fire, Theft or Burglary. We don't insure you for bushfire, storm, storm surge, flood or tsunami for the first 72 hours of your policy. Very limited exceptions apply. Read the PDS for more detail.​

Why do homeowners in QLD choose AAMI?

Trusted since 1969, claim anytime, aami home calculators.

HOME BUILDING CALCULATOR

Home Building Calculator

This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.

Estimate the cost to rebuild

This calculator can help you work out the estimated rebuild cost of your home to help you choose your sum insured.

AAMI Home Building Calculator

Contents Calculator

Estimate your contents coverage

Estimate the replacement cost of your home’s contents and determine how much contents cover you may need.

AAMI Contents Calculator

Take control with My Account

Skip the queue! AAMI customers can – depending on their policy type – check policy info, make payments, lodge claims and more online, 24/7

Log in to My Account

Renew my policy

Missed a payment

Make a claim

• Access my policy documents
• Update my details
• Track my claim
• Find my policy number
• Cancel my policy
• Search our motor repair network

Home & Property Insurance

Frequently asked questions.

• Home Building Insurance : This covers your building, its permanent fixtures, and associated structures like sheds, garages and fences.
• Home Contents Insurance : This covers household items inside your home that aren't permanently attached to your building. This can include things like furniture, appliances and clothing.
• Home and Contents Insurance : This combines the two policy types mentioned above.
• Strata Insurance : This covers strata title properties, such as apartments or units that share a parcel of land. It includes cover for shared areas like driveways and stairways.
• Landlord Insurance. This covers properties that you own and rent out to tenants under a rental agreement that complies with applicable residential tenancy laws. It's available for building , contents , or both.

Yep! Both AAMI Home Insurance and AAMI Contents Insurance — and, of course, our great value combined Home and Contents Insurance — include cover for damage caused by floods.

For policy purposes, ‘flood’ is defined as the covering of normally dry land by water that has escaped or been released from:

• another natural watercourse
• a reservoir
• a canal, or

Actions or movements of the sea and storm surge are not covered (unless storm surge damage occurs at the same time as damage caused by storm). Other exclusions apply. Check out the  PDS  for details.

If you own a property that shares walls or property, such as an apartment or townhouse, you can consider Strata Insurance. Strata Insurance provides cover for damage caused by insured events to buildings with shared property, as well as shared areas like driveways and stairways. It can provide cover for up to 10 buildings on the same block.

You can learn more on our Strata Insurance page .

What do I list under ‘contents’ and how do I work out their value?

No need to sweat; when you’re filling out your online quote we’ll give you the tools you need to understand what counts as contents. We’ve also got a handy contents calculator  to help you work out the value of your home contents.

FAQs & Help

PDS Library

Find out what our Home Insurance customers think

Standard Cover Sum Insured Cover

You specify a sum insured on your policy, which should reflect how much it’d cost to rebuild your house. If the house is damaged in an insured event, this amount is the maximum we’ll pay to rebuild or repair it.

how it works

• You choose the maximum amount you’d like to insure your home for.
• Choosing the amount generally means lower premium payments.
• You know the exact maxium amount you can be paid out.

This is included as standard with AAMI Home Insurance policies.

how to get it

• Comes standard with eligible AAMI Home Insurance policies.

Policy document downloads

Product Disclosure Document (PDS)

Optional Cover Complete Replacement Cover

If your house needs to be repaired or rebuilt after an insured event, we will offer to repair or rebuild your house as it was, or pay you the amount of the assessed quote to repair or rebuild it – without you having to set a specific sum insured.

• You don't need to set a sum insured.
• Our best underinsurance protection.
• Provides peace of mind if you’re uncertain how much it will cost to rebuild your home.

You can upgrade to Complete Replacement Cover when you get your quote online.

• Upgrade from Sum Insured when obtaining an eligible AAMI Home Insurance quote .

Home Owner Occupiers Insurance

You can save up to 10% by combining cover for your building and its contents on the one policy! FYI, the discount doesn't apply to some options, including portable valuables cover.

Building damage or loss

Covers loss of, and damage to, buildings, if caused by an insured event such as fire, break-ins and weather events (like storm, flood and bushfire). Buildings covered include your home, along with garages and sheds.

Contents damage or loss

Covers loss of, or damage to, the things in your home, garage and/or shed after an insured event. This can include electronics, furniture, clothing and more. You can also add Portable Valuables Cover for items you often take outside the home, such as a laptop computer.

Legal liability

Offers up to $20 million cover for your legal liability caused by an incident at your home address, if that incident is connected to you owning or living at that property.

$ 50  off  when you quote and buy online

This Optional Cover gives you peace of mind that if your building is damaged or destroyed by an insured event, we'll repair or rebuild your house as it was, or pay you the amount of the assessed quote to repair or rebuild it.

Specified valuable items

If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value.

Portable valuables

Extra cover for mobile phones, laptops, bicycles, handbags and a range of other items that you're likely to take outside your home.

Optional Covers

Product disclosure statement (PDS)

$ 25  off  when you quote and buy online

Optional Covers

Landlord Insurance

If you’re renting out an investment property, you can get cover for the building and the contents you own.

The longest period we will pay for one incident is 52 weeks and the most we will pay in total is up to $25,000 if your property cannot be lived in as a result of an incident covered by the policy.​

Extra cover to protect you against the costs of unpaid rent, theft or malicious damage by your tenant and their guests.

Renters Insurance

If you’re a renter, you can easily get cover for your stuff.

Home Contents

Up to $25,000 for damage to, or loss of, the contents of your home caused by fire or break-ins.

$ 5  off  when you quote and buy online

• Contents damage or loss, up to $25,000

Strata Insurance

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.

Up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, for unit owners if their unit is damaged and their tenant can't live in it as a result of an incident covered by the policy.

Office bearer’s liability

Covers up to $1 million for office bearers or committee members if a claim is made against them for a wrongful act.

Shared contents

Offers cover for contents shared between multiples strata properties, such as washing machines, gardening equipment and shared gym equipment that doesn't belong to a unit owner or tenant, covered up to a chosen Sum Insured.

Duplex   Townhouse Unit/flat

• Property damage or loss
• Temporary accommodation costs

optional cover

  Shared contents

Call us for a quote

More about Strata Insurance

WHO’S COVERED

Do I need Strata Insurance?

If there’s more than one building on your block of land, or your building shares a wall or other common property such as a driveway or rooftop garden, then you probably need Strata Insurance. AAMI offers cover for properties with two to 10 buildings, with optional cover for shared contents such as washing machines and gym equipment.

Commercial Property Insurance

Public Liability

Public Liability offers cover for your costs if you are found to be legally responsible for personal injury to a third party, or damage to their property.

If you’re a property owner and you lease your commercial premises to businesses, we can help you stay covered.

This package includes

• Public liability

And can be customised from the following

Also known as Tax Audit, this provides cover for the professional and accountant’s fees incurred by you in connection with an audit of your business’ financial or tax affairs by the ATO, or by a Commonwealth, State or Territory department, body or agency.

Learn more about Tax Probe

Operating covers

• Business interruption

Glass & signs

This provides cover for loss of, or damage to, glass windows, signs and showcases at your business premises.

Commercial premises covers

Request a callback

Or call 13 12 44

Do you run a business from your premises?

If you own the property from which your business operates, you can consider an AAMI Business Insurance package. We offer a range of customisable options that let you put together a policy that suits the needs of your business. 

You’ll be able to get cover for damage to your property, public and products liability, theft, damage to glass, and more. You can also get Back in Business cover, which can help to compensate for a reduction to your business revenue following an insured event.

Learn more about Business Insurance 

Contents damage or loss up to your chosen amount

If your home is damaged by an insured event and you can’t live there while it’s being repaired or rebuilt, we’ll cover the time it should take to repair or rebuild, up to 52 weeks for temporary accommodation. The most we will pay for any one incident is up to 10% of the building sum insured, unless your certificate of insurance shows that you have Complete Replacement Cover ® option, in which case we pay the reasonable and necessary costs.​

optional cover for

Home Owner Occupiers & Renters

If you accidentally drop, knock, spill or otherwise damage something at home, this optional cover can help. It can apply to your house itself, your contents, or both, depending on your policy.

Optional Cover

what's included

For Building Insurance:

• We cover the building for accidental loss and damage at the insured address during the period of insurance.

For Contents Insurance:

• We cover your contents for accidental loss and accidental damage at the insured address during the period of insurance

Read the PDS for more detail, including how we settle building and contents claims, limits and exclusions.

AAMI Home Assist can offer you help from a plumber, electrician, locksmith or carpenter in the event of a home emergency. So if you’ve had AAMI Home Assist on your policy for 24 hours or more and you come home to something unexpected like a burst pipe or blown fuse, we can help get it sorted ASAP.

trades available 24/7

Available to 95% of Aussie homes

Some geographic limitations apply.

Electrician

• No excess payable
• 3 callouts per policy period
• Repair materials (up to $50)
• Up to 2 hours of help per callout
• A trusted network of tradies

How AAMI Home Assist works

If you’ve selected AAMI Home Assist as an optional cover on your AAMI Home Insurance policy and you’ve had it for 24 hours or more:

For assistance in a home emergency - ie, a sudden and unforeseen incident at your home which requires urgent attention - call 13 22 44 .

We can connect you with a plumber, electrician, locksmith or carpenter.

common emergency repairs

• Locked out of house
• Hot water system issue
• Blocked toilet
• Leaking pipes and toilets

Read the PDS and AAMI Home Assist Terms and Conditions for more detail, including limits and exclusions.

Home & Contents and Building Only Insurance

There’s not much more annoying than fixing broken glass. Whether it’s a shower screen, window, fixed mirror or skylight, it can be expensive and time consuming to sort out. Luckily, with this optional cover, AAMI can help.

AAMI Excess-Free Glass

• Replacement of accidentally broken fixed glass in windows, doors, skylights, shower screens and fixed mirrors which are part of the home building
• Repair or replacement of frames in windows, doors and shower screens if necessary to enable the glass to be replaced
• No excess to pay when your claim is only for the broken fixed glass
• Access to trusted glass repairers

This optional cover is for fixed glass only. Refer to the PDS for more information.

Covers you for the professional fees incurred if your business’s financial or tax affairs are audited by an authorised authority.

Covers you for a reduction in your business revenue as a result of damage to your property by an insured event.

Covers you for the loss of your business contents and stock from theft, attempted theft, armed hold up or an actual/threatened assault.

Covers you for physical loss or damage to your property (ie. your business contents, stock or specified items at the premises) from insured events such as fire, lightning and explosion.

Covers you for the cost of compensation if your business is responsible for personal injury or property damage.

Home & Contents covers a range of insured events, such as fire, theft or attempted theft, storms, flood and lightning.

Legal liability covers your liability to pay compensation for death or injury to other people, or loss of or damage to their property, if it results from an incident that’s connected with you owning or living in the home at the insured address. Legal liability on contents covers your liability to pay compensation for an incident which causes death or bodily injury to other people, if it occurs anywhere in Australia or New Zealand.

Damage to other people and their property

Up to $20 million cover for your legal liability for an incident at your rental property connected to you owning the property.

Up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, for unit owners if their unit is damaged and their tenant can't live in it as a result of an incident covered by the policy.​

The longest period we will pay for one incident is 52 weeks and the most we will pay in total is up to $25,000 if your property cannot be lived in as a result of an incident covered by the policy.

Only those contents which are owned by the landlord but kept within the property are covered.

Third party cover

You’ll have cover, for up to $20 million, for your legal liability if a third party is injured or has their property damaged in an incident at your house.

We cover your legal liability to pay compensation for death of or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens anywhere in Australia or New Zealand during the period of insurance:

which is unrelated to your ownership of the building, unit or land at the insured address, unless you are living in a unit and/or own the unit and your legal liability is not covered under a building policy which covers that unit; or

if it results from fixtures and fittings attached to the insured address and that you are legally responsible for under a rental agreement.

We also cover you for associated legal costs to defend a claim against you that is covered. We need to first agree to pay the legal costs before they are covered.

We cover your legal liability to pay compensation for death or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens during the period of cover:

in connection with you owning or living in the building; and

at the insured address.

We will also pay the associated legal costs which we have agreed in writing to pay. The most we will pay for all claims from any one incident under building legal liability cover is $20 million, including all associated legal costs.

Lifetime guarantee on building repairs

When we repair or rebuild the building, we guarantee the quality of workmanship of that work for the lifetime of the building if we:​

• authorise;​
• arrange; and​
• pay the builder or repairer directly for this work.​

For full details, see the PDS .

Specified contents at home

Temporary Accommodation

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.​

If your home is damaged and your policy offers cover for a repair or rebuild, we’ll cover accommodation costs for as long as that takes (up to 52 weeks). Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay reasonable & necessary costs.

Eligible Policies

Eligible policies include AAMI Motor (excluding SA and ACT CTP) and Home Insurance policies purchased between 12 th July 2019 and 9 th September 2019.

Cover for spoiled food and medication

If an insured event causes food or medicine to spoil—for example, if a storm knocks out power to your fridge - we'll cover the cost, up to $400.

Cover for motor burnout

If the motor in one of your fixed appliances burns out or fuses and that motor is less than 7 years old, we'll help you take care of repair or replacement.

24/7 AAMI Home Assist

Available 24 hours after adding the option to your policy.

General maintenance

AAMI Home Assist does not cover general maintenance, such as the provision or replacement of windows, doors, glass, tiles, carpets and of fittings and fixtures. Other exclusions apply - please read the Home Assist Terms & Conditions .

Preventative services

AAMI Home Assist does not cover preventative services, such as the removal of property, rubbish or debris. Read the Home Assist Terms & Conditions .

Disaster response

AAMI Home Assist is not an emergency rescue or disaster response service. Read the Home Assist Terms & Conditions to find out more.

Where an emergency situation poses a risk to your personal safety or property, or the personal safety and property of any other person, contact the appropriate emergency or rescue services.

This doesn’t cover damage caused by:

• Wear and tear
• The gradual deterioration of something with age
• Deliberate acts
• Defective workmanship

Limits and exclusions

This Optional Cover is for fixed glass only. Refer to the PDS for more information.

Home Insurance QLD

Start your search for the best home insurance in queensland - and don’t forget to add the important things like flood or storm cover..

Home insurance brands

In this guide

Home insurance brand - QLD: Youi Home Insurance

What's the best queensland home insurance, why do i need home insurance, what should i consider when purchasing home insurance in queensland, what type of home insurance can i get in qld, i live in a high-risk area. how does this affect my insurance, what insurers can i access in queensland, are there any exclusions and additional costs i should be aware of, how can i find north queensland home insurance, what do north queenslanders need to be covered for, what is the cost of north queensland home insurance.

Helpful guides

Other topics

A Queensland home and contents insurance policy can protect you financially when something unexpected occurs, whether that's theft, accidental damage or Queensland's often unpredictable weather.

Bushfires, cyclones and storms are not rare occurrences in the sunshine state, so protecting yourself with home and contents insurance is a smart way to ensure you won't suffer financially when the next big thing hits.

The Finder Customer Satisfaction Awards recognise Australia's favourite brands across a huge number of categories. We survey thousands of real Australians to understand how they feel about their recent product purchases, and use that information to reward the most popular brands.

Here is the 2021/2022 winner and finalists for home insurance in Queensland.

• RACQ Home Insurance
• RAC Home Insurance

It's hard to say who's going to be the best for everyone, because it's entirely dependent on your living situation. However, to help you make a decision, here are the top 3 popular brands that people choose from Finder when looking at home insurance for Queensland.

Here are our the top 3 most popular brands for homes in Queensland:

A study by finder.com.au found that damage from major cyclones from 2011-2016 resulted in more than $1.4 billion worth of uninsured losses, or 57% of the overall cost. Given how Queensland is prone to natural disasters, it's more important than ever for people to protect their property.

Here are just a few reasons why purchasing home insurance is a great idea for those in Queensland:

• Your home is your most important asset. Buying a home costs hundreds of thousands of dollars (or more in some capital cities), so protecting your investment makes perfect financial sense.
• You can’t predict the future. Home insurance is something that you take out and hope you will never have to use. While most people will never have to make a claim on their policy, the simple fact is that you can’t predict the future and disaster can strike at any time. Home insurance provides financial protection if something ever goes wrong.
• Protection against a wide range of risks. The best home insurance covers you against a broad range of risks, including damage from fires, storms, impacts, floods and vandalism. It even covers your legal liability. Queensland residents should ensure they have adequate cover against bushfires .
• Home insurance provides peace of mind. Home insurance is an important investment to guarantee your peace of mind. No matter what the future may hold, if you have a policy in place, you can rest assured that your home and your treasured possessions will be protected.

There are several factors you need to take into account when choosing home insurance in Queensland.

Some of those factors are down to you personally, such as how much cover you want and how much you’re willing to pay for home insurance.

However, other factors will vary depending on where you live in Queensland. For example, if you live in Far North Queensland, you should have a policy that provides protection against loss or damage by tropical cyclones.

In parts of the state’s south-east where severe storms are a common threat during spring and summer, you’ll want to ensure that you have adequate protection against storm damage. And if you live close to the Brisbane River in a low-lying suburb, flood cover is a must .

Apartment owners also have slightly different cover needs to those who live in detached houses, so it’s important to carefully assess your cover requirements before choosing a policy.

It's the same as any other state. Queensland homeowners can choose from three types of home insurance:

Home insurance Also known as building insurance or building-only cover, this type of policy provides cover for your home and other fixtures on your property against damage from fires, storms, theft, vandalism and more.

Contents insurance Contents insurance provides cover for your possessions and household items against the same risks as building-only cover.

Home and contents insurance Home and contents insurance combines the benefits of the two policies above to provide comprehensive protection for your building and your possessions.

We should look at Northern Australia and Northern Queensland as the canary in the coal mine, in the sense that climate change has been coming for a long time in these areas. These insurance price rises have been coming for a long time as well. And we've been consistently looking the other way.

Paula Jarzabkowski - Financial disaster expert

While the core advice around insurance is the same for everyone, it's worth emphasising a few important considerations for people in high-risk areas.

Understand your geography

Priority support, waiting periods, increased premiums, what if i'm denied.

No matter where you live, it is always a good idea to find a policy that is suited to your specific geographic conditions. This is especially important for people in high-risk areas given the strength of the local weather events and the magnitude of potential loss.

Here are some common weather events and where they are likely to occur. Double check that your policy covers these events, because not all policies cover all weather events:

• Tropical Cyclones. These are common to Far North Queensland and people in this region should have a policy that provides protection against them.
• Severe storms. These are common to parts of south-east Queensland during spring and summer, you'll want to ensure that you have adequate protection against storm damage.
• Floods. Any low-lying area of Queensland near a body of water . You'll need to make sure you are covered for flooding specifically, as storm cover alone may not be enough. It's also important to note that storm surges are often not considered flooding for insurance purposes.

• Creating a priority claims process. This allows those most affected to have their claims assessed promptly, while less urgent claims are pushed to the back of the queue.
• Creating a disaster hotline. This gives people a way to inquire about their insurance details and ask questions about the claims process.
• Mobilise support on the ground. This provides direct support to local services and affected policyholders.
• Establishing a task force. This allows the council to react to unexpected issues in real time.

Australian home insurance providers usually aren’t state-specific, which means Queensland homeowners can access cover from an extensive range of trusted insurance brands. If you want to dive deeper into a specific company, we've got reviews for some of the main insurers available in Queensland:

• Australia Post
• Australian Unity
• Bank of Queensland
• Real Insurance
• Virgin Money
• Budget Direct

Before choosing any home insurance policy, make sure you read the list of general exclusions for details of when your policy will not provide any cover. The following exclusions are fairly common:

• No cover when you leave your home unoccupied for more than 60 days.
• No cover if you fail to properly secure your home.
• No cover for a home business.
• No cover for cyclone or flood damage within the first 72 hours after purchasing cover.
• No cover for any claims that arise due to your involvement in illegal activity.

It’s also important to be aware that stamp duty is charged on home and contents insurance premiums in Queensland at a rate of 9%. Remember to factor this into your equations when working out the total cost of cover.

If you live north of Rockhampton, you would be familiar with crazy weather conditions that can cause significant damage to your area. Whether it is a tropical cyclone, flooding or heavy storms, these sorts of events could cause you some strife, so finding the right home and insurance for you will help you on your feet again

Many insurers will cover North Queenslanders, but the cost will probably be higher than other parts of Australia, due to the area being high risk for weather damage. It's good to be prepared well ahead of time, as most insurers have a 72 hour period without cover immediately after purchasing. Asking for quotes from a number of insurers will help you compare prices, and some insurers may even match or beat the cost of other companies, which is great for your hip pocket.

You may find an insurance broker helpful to discover a home insurance policy that covers all the intricate details you need for your property in North Queensland. Insurance brokers are the experts in this area, and it's their job to provide insurance advice that's in your best interest, allowing you to make an informed decision and find the policy that's right for you.

As a high-risk zone, there are several severe weather events that you should be covered for if you're living in North Queensland, including loss or damage from cyclones, floods and storms.

Ensure you're covered for these extreme weather events with your home and contents policy, including flood cover. Some policies do not automatically cover this scenario and it may raise your premiums further, but it's one of the most important weather events to protect yourself from in flood-prone North Queensland. Again, this may be where an insurance broker comes in handy, as they will be able to pinpoint items or scenarios that need cover that you haven't thought of. Double check the policy exclusions, and if there's something your excluded that you feel you need, see if you can add it on as an extra before purchasing.

Your policy will most likely cover you for financially for other situations too, including theft, fire, vandalism, explosions and accidental damage.

Due to the frequency of natural disasters, you may find you have to pay more for your premiums. North Queenslanders pay one of the highest premiums for home and contents insurance in Australia because of cyclone risk. As insurers pay out large sums of money for previous events, annual premiums go up.

Strengthening components of your house can reduce insurance premiums, such as strengthening roofs to protect from wild elements, protecting windows or updating old homes to meet modern building codes.

Why you can trust Finder's home insurance experts

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Jessica Prasida

Jessica Prasida is a travel insurance expert for Finder. She lives and breathes travel, having worked as a travel agent and branch manager at STA Travel for over 4 years, then writing about travel insurance with Finder for another 5 years. Jess has a Bachelor of Business from the University of Technology, Sydney and a Tier 1 General Insurance qualification. See full bio

More guides on Finder

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Discover what impacts the cost of home insurance and how to get the right protection with this handy guide.

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Frequently asked questions

About honey, honey products, our backing, contacting honey, joining honey, making payment, making changes, claims and your insurance policy, cyclone reinsurance pool, your privacy, industry information, insurance jargon, about homeowners insurance, optional benefits, about landlord insurance, about renters insurance, smart home program discount, installation and operation, troubleshooting, sensor support, who is honey.

Honey is smarter home insurance helping you prevent avoidable accidents. Rather than waiting for things to go wrong, we actively try and protect your home, with smart home sensors, from many of the common mishaps that lead to claims, like fire, theft and water damage. It’s an entirely new – and we like to think smarter – way of keeping your home and contents safer. We also use our smarts to take the guesstimating out of choosing your coverage – and to insure you in three minutes flat.

What makes Honey different?

Honey is Australia’s smart home insurance for the modern-day homeowner, renter or landlord, on a mission to eliminate the majority of avoidable accidents that happen in the home. We do this through a re-imagined approach to home insurance that lets customers easily sign-up with the right level of cover by using satellite and third party data, and then provide customers with smart home technology to help protect their homes.

What kind of products does Honey offer?

We protect you financially if something happens to your home or precious things. We offer three types of products with policy options to suit your needs:

Homeowners Insurance

For your primary residence - the place you live in and call home - we provide:

• Home cover - the building itself, as well as attached fixtures and fittings.
• Contents cover – your furniture, electrical appliances and personal belongings in the home, and as well as optionally some items you take outside your home.
• Combined Home and Contents cover – both of the above combined in one policy.

Renters Insurance

Where you are living in a home that you rent from someone else we provide:

• Contents cover – your furniture, electrical appliances and personal belongings in the home, as well as optionally some items you take outside your home.

Landlord Insurance  

For an investment property you are renting out and not living in we provide:

• Building cover – the building itself, as well as attached fixtures and fittings.
• Contents cover – items owned by you left at the property for the tenants use such as furniture, blinds, curtains and carpets. 
• Combined Building and Contents cover – both of the above combined in one policy.

Who is Honey backed by?

We’re backed and underwritten by RACQ Insurance – one of Australia’s most trusted brands, and  supported by industry leaders such as AGL, Metricon, Mirvac and PEXA who invested in Honey.

Where can I access your Product Development and Sales Policy?

This is maintained by our underwriter, RACQ Insurance, and is available on their website  here .

Where is Honey available?

From Brisbane to Bonnie Doon, Rottnest Island to the Red Centre, if you live anywhere in Australia, we’re available.

How do I contact Honey?

You can chat with our team by calling 137 137 between 8 am and 7 pm, Monday to Friday (Sydney time). Or, if you prefer, you can also email us at [email protected] . If your enquiry is urgent, it’s better to call. Email responses can take up to one business day.

How do I join Honey?

You can sign up for your quote, in 3 minutes right here .

How can I retrieve my quote?

When you get a quote, you have the option to send yourself a copy by email or SMS. And if you’ve provided us with your email address, we’ll automatically send through a copy as well. Use the links in either of these to retrieve your quote.

Will my application for insurance be accepted?

Sometimes we’ll need to chat with you before providing a quote or coverage. Leave it to us to get in touch in these cases, and we’ll simply ask a few more questions about you and your insurance needs. In the unlikely situation that we are not able to offer you any coverage at all, our team will be happy to discuss the details of the situation.

What should I do with my policy documents?

Within an hour of signing up, you’ll receive four important documents to your email:

• Your Certificate of Insurance
• Product Disclosure Statement (PDS)
• Any applicable Supplementary PDS
• Key Facts Sheet (KFS)

These documents tell you what you are and are not covered for, your excesses, limits and more. If there’s anything in your documents that you don’t understand or seems a bit off, call us on 137 137 . Once you’re good, pop your documents somewhere safe in case you need to refer back to them or make a claim.

Is there a cooling-off period?

You have a 21-day cooling-off period starting from the date and time we issue your policy or midnight on your renewal date. As long as you haven’t made a claim, you can cancel your policy within this time, and we’ll refund your premium in full.

How do I get replacement documents?

Your documents are always available online. You can get hold of them by logging into your account . You can also call us on 137 137 , and our team can email or post new copies to you. For the Product Disclosure Statement and other general documentation, you’re able to download them directly from our site.

How do I get a Certificate of Currency?

When you take out a policy we send you your Certificate of Insurance. However sometimes your bank or another institution will require a Certificate of Currency. Certificates of Currency are available online. You can access yours by logging into your account . You can also call us on 137 137 , and our team can email or post a copy to you. We can also send a Certificate of Currency directly to your financier. Have their details ready when you chat with us.

What is a cover note and do you offer them?

A cover note is a temporary document issued by an insurance company that provides proof of insurance coverage until a final insurance policy can be issued. A cover note is different from a certificate of insurance or an insurance policy document.

We don’t offer cover notes for Home, Contents or Landlord Insurance.

How often do I pay my premiums?

You can choose to pay annually or by the month, whatever suits you, at no extra charge.

How can I pay for my policy?

We debit your annual or monthly premium from a credit card or bank account. 

For annual payments, you can select the date of your first payment, as long as it’s up to 30 days after your policy activation date. 

For monthly payments, you choose the day of the month for the first and subsequent payments to be made.

What happens if my payment date falls on a weekend or public holiday?

If your nominated date falls on a non-business day, your payment will be taken out on the next business day.

Can I change my level of cover whenever I want?

We know life can be unpredictable, so we give you the flexibility to make changes to your cover during the policy period. If you want to request a change, call us as soon as you can on 137 137 . Changes are only effective from the time you notify us.

How do I update my direct debit details?

Give us a call on 137 137 , and our team will sort it out for you.

What should I do if I move house?

Moving can be a real headache, so we’ve made updating your insurance to a new home as simple and smart as possible. Before you move, give us a call on 137 137 to chat through all the details. We’ll need to know things like:

• The date you are moving
• Where you are moving to
• Details of your new home

Premiums are calculated based on where you live, so your new home might have a different premium than your old place.

Can I update my policy online?

Yes. You can log in to your account and update some details about your policy at honeyinsurance.com/my-account/

How do claims work?

How do i make a claim.

Our claims team is here for you, all day, every day. If you need to make a claim, you can lodge it online or speak with our team on 137 138 . We’re available 24/7/365. If you’re in an emergency and your home is damaged or under threat of damage, call the SES on 132 500 .

For more details, check out our Claims page.

What information do I need to make a claim?

To help us process your claim as quickly as possible, please have the following info handy when lodging your claim online or on the phone:

• Your policy number (it’s the number in your online reference or policy documents)
• The date and details of the incident
• A Police Report number for lost or stolen items
• Details of any damaged property or items that have been lost or stolen
• Proof of ownership of any damaged or stolen property (e.g. receipts, invoices or photographs)
• A damage report and quote for repairs of the damage
• Samples of damaged items such as carpet, blinds or rugs (only if it’s safe to get them)
• Contact details of any witnesses or other people involved
• Your paid invoices
• Photos of any damaged contents that are creating a health hazard

Your Certificate of Insurance has all the details of what you’re entitled to claim.

How do I contact Honey about an existing claim?

Our team gets in touch every 20 business days – at a minimum – to update you on the progress of your claim. If you need to chat about anything in the meantime, we’re here for you. Just give us a call on 137 138 .

Why do you need my receipts or proof of purchase?

These documents help us validate your claim and make sure we have all the info needed to process things quickly. If you can’t find your documents for some reason, we’ll work with you to find a way to keep your claim progressing and get everything finalised.

Who will manage my insurance claim?

Claims handling and settling services are provided by RACQ Insurance. To view the RACQ Insurance Claims Philosophy please click here .

For more information about the claims process please visit the RACQ Insurance Claims Website .

What is the Cyclone Reinsurance Pool?

The Cyclone Reinsurance Pool, developed by the Australian Reinsurance Pool Corporation (ARPC) allows Honey to help lower the cost of premiums for customers who live in areas where cyclones are common, such as North Queensland. The pool aims to make the cost of insurance more affordable for homes that have a high or medium risk of being affected by cyclones and cyclone-related flooding, and have relevant cyclone protection measures in place.

Isn’t cyclone cover already included in my policy?

Yes, Honey covers loss or damage to your home or contents caused by a storm, including cyclone. However, if you live in a cyclone-prone area, then you could be eligible for a lower premium under the Cyclone Reinsurance Pool.

How does the Cyclone Reinsurance Pool affect my insurance premium?

You could receive a reduction on your insurance premium if your home has had cyclone-grade resilience improvements or renovations made to it.

How does it affect my cover?

There won’t be any changes to what your policy covers.

Will the claims process change in the event of a cyclone?

There will be no change to how Honey customers will make a claim. The Honey claims team is here to support you through the same process as always.

Who is eligible to receive a lower premium?

New and renewing policies starting from 28th November 2023 in cyclone-impacted areas of Australia could be eligible for a lower premium if those customers:

• Hold a Honey Home Insurance policy
• Are located in an eligible postcode, such as coastal areas north of the Tropic of Capricorn
• Have eligible cyclone-grade protection measures

Can I still get a lower premium if I install cyclone protection at a later date?

If you have an existing and eligible Honey policy and your policy started or renewed from 28 November 2023, we can review your premium if eligible cyclone-grade protection measures are installed. Simply call our friendly team on 137 137 .

Are any of my personal details sold or disclosed to any third parties?

We comply with our obligations under Australian Privacy Law. Our Privacy Statement explains how we treat your personal information. This info is also detailed in our Product Disclosure Statement .

Are my bank and credit card details protected?

We take the collection and privacy of your details very seriously. All your financial details remain encrypted and secure once entered into our system. Our Privacy Statement explains how we treat your personal information.

How do I make a complaint?

We understand that sometimes we may not always meet your expectations and you may have a complaint. If this happens, we treat this seriously and have a process to deal with your complaint.

Making a complaint is a 3-step process

• Step 1: Talk to us by either calling on  137 137  or sending an email to  [email protected] . We aim to acknowledge all complaints within 24 hours.
• Step 2: If you’re not happy with our response to your complaint, you can refer your complaint to our Internal Dispute Resolution Committee. 
• Step 3: If you’re not happy with how our Internal Dispute Resolution Committee decides to resolve your complaint, you can refer it to the Australian Financial Complaints Authority [AFCA]. 

This is just a summary. The full details of our complaints and feedback process can be found here .

Insurance Fundamentals

What’s a premium.

A premium is the amount you pay to get insurance cover. It is the cost of your insurance policy.

How is my premium calculated?

Your premium is based on a number of things, including:

• What you choose to insure and how much you choose to insure it for
• Where your home is and risk information specific to your location (e.g., the likelihood of a flood, cyclone or bushfire, or crime rates in your suburb)
• Features specific to your home (e.g., building materials, the age of the building, and security features)
• The excess amount you have chosen
• Your claims history

In most cases, the higher the risk of loss or damage, the higher the insurance premium. The chance of loss or damage is different for everyone, so we calculate your premium based on your individual circumstances.

How can I reduce my premium?

You can reduce your premium by choosing a higher excess. Remember, though, that while your premium will be cheaper, you will have to pay a higher excess if you need to make a claim.

Where can I get general information about the insurance industry?

The Insurance Council of Australia has developed the Understanding Insurance website.  It is designed to educate you about how insurance works.

What is the Emergency Services Levy (ESL)?

The Emergency Services Levy (ESL) is an emergency services insurance contribution scheme that funds the fire and rescue emergency services in New South Wales (NSW). Insurance companies are required to contribute to the budget for these services in NSW each financial year. Insurers may reclaim this amount from their policyholders by charging an ESL in their insurance policy premium.

The Emergency Services Levy Insurance Monitor (ESL Monitor) published an Order requiring insurance companies, and those acting on their behalf, to provide a breakdown of the ESL component of the premium, as well as year on year premium comparisons. These disclosure requirements are being enforced by the ESL Insurance Monitor.

Will the Emergency Services Levy increase insurance premiums?

There is no direct charge to policy premiums because of the Emergency Services Levy (ESL). But you may see an impact in the ESL contribution compared to last year. Want to know more? Check out the Revenue NSW website for information.

What’s the difference between an insurance company and a broker?

An insurance company can offer you a range of policies. You can use this information to purchase a policy from that insurance company. Brokers are professional advisors who have access to insurance policies from a range of insurance companies. They can provide you with advice on which policy is best suited to you, and they will purchase this policy from the insurance company on your behalf.

What does risk mean?

When we talk about risk, we are talking about the chances of an incident occurring that will cause damage or loss. All insurance companies calculate risk to determine a customer’s premium. It’s putting a financial value on the risk. When we assess and price risk, we are working out how much it would cost to replace and/or rebuild the insured item and the likelihood that this will occur in a period of insurance (i.e. one year).

For example, if you have a low-lying, single-story house on a waterway, your property could be considered a high flood risk. 

We know it’s not that black and white. However, while we consider many other factors, both of these scenarios could result in a higher premium or additional excess.

What is underinsurance?

This is when the amount you are insured for on your Certificate of Insurance is below what it would cost to replace or rebuild. According to the Insurance Council of Australia, your property is considered to be underinsured if your insured amount covers less than 90% of the cost to rebuild.

For example, if your home is insured for $200,000, but it will cost $300,000 to rebuild it, you may not receive enough money from your insurance company to rebuild. Our smart calculators provide you options to help you work out how much you could insure your property for.

What is over-insurance?

Over-insurance is when you insure your property for more than it is worth. This does not mean you will get the inflated value if you make a claim. In the event of a successful claim, you can be paid the replacement value of the property lost or damaged.

For example, if your home is insured for $300,000 when it only costs $200,000 to rebuild, you may only receive $200,000 from your insurance company. Our smart calculators provide you options to help you work out how much you could insure your property for.

What is reinsurance?

Insurance companies need insurance as well. It’s call reinsurance. In the event of a major catastrophe, sometimes the amount of money we pay to help customers recover from loss or damage takes a large portion out of our reserves. By insuring a percentage of those reserves, we make sure that we can recover some of the money we pay out to customers. That way, we can continue to offer you a competitive premium.

What is Homeowners Insurance, and why is it important?

Homeowners Insurance can cover you for both your home’s building and contents in the case that they need repair, rebuilding or replacement after an insured event (a fancy way of saying something happened and then you need to make a claim). This includes protection from unpredictable weather and the impacts of cyclones, floods, storms and bushfires. Homeowners Insurance also protects you against things like theft, damage and legal liability.

What am I covered for?

Honey Homeowners Insurance covers your home and/or contents against loss or damage as a result of an insured event. For a full list of the insured events we cover, please refer to our Product Disclosure Statement .

Does Honey Insurance cover me for flooding?

We do. Our Product Disclosure Statement defines a flood as: The covering of normally dry land by water that has escaped or been released from the normal confines of any of the following:

• a lake, river, creek or other natural watercourse (whether or not it has been altered or modified)
• a reservoir, canal or dam

What am I not covered for?

For a full list of exclusions under your policy, please refer to the Product Disclosure Statement .

Am I covered immediately?

You’re covered from the date you requested your cover to start. However, if you don’t have existing insurance, we can’t cover you for fire or flood damage for 72 hours.

What is ‘new-for-old’ replacement?

We insure a new-for-old replacement on your belongings. This means that your covered possessions will be replaced with brand new items should something happen to them.

How much should I insure my home for?

While we aren’t able to provide you with advice on the replacement costs of your home or how much to insure it for, we use the information you give us and data sourced from third parties to recommend an amount of cover you could have. You could use this recommendation as a guide.

When considering how much you should insure your home for – often referred to as the sum insured – you should include: the full cost to rebuild your home, including the cost of structural improvements on the property. However, don’t include land value. Our policies include an allowance for demolition and site clearance, as well as professional fees. You should also consider increased building costs to meet any relevant local council building requirements. If you are unsure of the replacement cost, a builder or architect may be able to assist you.

We recommend that you use a home building calculator to determine independently an appropriate sum insured for your needs, which you can then compare to the guide provided by us during your quote.

How much should I insure my contents for?

We aren’t able to provide you with advice on the replacement costs of your contents or how much to insure it for. Instead, we use the information you give us and data sourced from third parties to recommend an amount of cover you could have. You could use this recommendation as a guide.

Your contents sum insured should include items such as fixtures and fittings (e.g. carpet, blinds, curtains), furniture, electrical goods, and all personal items. Items of value that you want to list on your Certificate of Insurance – such as jewellery, media or artworks – should also be included in the overall sum insured.

We recommend that you use a contents calculator to determine independently an appropriate sum insured for your needs, which you can then compare to the guide provided by us during your quote.

My contents aren’t worth that much. What is the point in having insurance cover?

Think about the items you wouldn’t be able to resume a regular day without, if these items had been stolen or damaged. What’s a home office without your laptop, your living room without your TV, or your shower without running water?

Another way of thinking about this is to consider the cost of replacing all of your items, rather than just their current value. In the event of needing to make a claim, and if you need to replace all your items, you may not have the money available to do so. This is why it’s recommended to have contents insurance.

Why do I need to list certain individual items on my policy?

Certain individual items such as valuables, collectibles and media have limits on how much they can be covered for. Details of this can be found in our Product Disclosure Statement . If you would like to be covered for the full replacement value of an item, let us know, and we’ll list it on your policy. You may need to provide proof of each item’s value at the time of a claim, so we recommend keeping receipts, valuations or proof of purchase.

What happens if I don’t list my valuables and they are stolen?

There are limits to how much some types of items can be covered for. If they’re not listed on your policy for the full value, they may be subject to the limits stated in our Product Disclosure Statement (PDS). Please check out the PDS for items that need to be listed, as well as the standard limits that apply.

If you need to make changes or list additional items under your policy, call us on 137 137 . Our team will sort it out quick smart.

Why has my home and contents sum insured increased on my renewal documents?

Each year when your policy renews, we automatically increase the amount you are insured for by the uplift rate. The uplift rate is a percentage increase aimed at helping account for increasing costs. You do not have to accept this increase. In addition to this adjustment, you may also want to consider the value of any new contents or improvements to your home. If you need to make changes or list additional items, call us on 137 137 . Our team is on hand to help you out.

Can I get building insurance if my home is under strata title?

Normally, we can’t insure homes under strata title. They’re insured under a body corporate. There are a few instances where we can offer building insurance for strata title properties. We may also be able to offer contents insurance to cover any fittings and fixtures that aren’t covered as part of the strata insurance. If you are unsure, give us a buzz on 137 137 . Our team will be happy to chat things through with you.

What is strata title?

Strata title is a title based on dividing the site into lots with separate titles. The most common application of strata title is for units, but it is also used for complexes with a number of duplexes and villas.

What is the Advanced Cover option, and what does it cover?

Advanced Cover is available on home and contents insurance policies. It provides cover for both Accidental Damage and Motor Burnout.

What does Accidental Damage cover?

Though we do our best to protect you from accidents, we know they’re still going to happen. Accidental Damage cover protects you in the event that you accidentally damage your home or contents.

For example, if you are moving furniture around the house and damage your wall, or if you spill a drink that damages your carpet, you could be protected under the Accidental Damage option. For full details of conditions and exclusions, check out our Product Disclosure Statement .

What does Motor Burnout cover?

Motor Burnout covers you for damage caused by an electrical current that results in the burnout of a household electrical motor. Examples of items that have electric motors are ducted air conditioning, pool pumps and refrigerators. For full details of conditions and exclusions, check out our Product Disclosure Statement .

What’s an excess?

An excess is the amount you are required to pay towards a claim on your policy. When you take out a policy, we apply a standard excess. On most of our policies, you can select your excess from a range of options to increase or decrease your premium. A higher excess reduces your premium and costs you more at claim time. A lower excess increases your premium but lowers your costs at claim time. The choice is entirely yours based on what’s appropriate for you.

Why do I have to pay an excess?

An excess is payable for all claims made against your policy – unless we state otherwise in the Product Disclosure Statement (PDS). Excesses on insurance policies help keep premiums down by reducing the number of small claims made. The amount and type of excess you have to pay will be shown on your policy schedule. For full conditions and exclusions relevant to your policy, check out your policy schedule or PDS.

How do I find out my Homeowners Insurance excess?

You can find your nominated excess on your home and/or contents Certificate of Insurance. That document is sent to you by email when you first take out your policy or when your policy is renewed. If you can’t find your Certificate of Insurance, please call us on 137 137 . Our team is here to help.

Can I change my excess?

You can increase your excess at any time during the policy period. You can only decrease your excess when renewing your policy or within the 21-day cooling-off period – provided you have not made a claim.

How does my excess impact the premium I pay?

An excess is the amount you contribute towards claims. This means if you’re willing to contribute more at the time of a claim – paying a higher excess – you will generally have a lower premium during the policy period.

If there’s damage to my home and contents, do I pay two excesses if I lodge a claim?

If your claim is a result of the same insured event and the damage sustained is due to the same insured event – e.g. damage to both your home and contents as a result of the same storm – then you will only need to pay one excess, whichever is the higher of the two.

Landlord Insurance

What is landlord insurance and why is it important.

Landlord Insurance can cover both the building and the contents of your investment property in the case that they need repair, rebuilding, or replacement after an insured event (a fancy way of saying something happened and then you need to make a claim). This includes protection from unpredictable weather and the impacts of cyclones, floods, storms, and bushfires. Landlord Insurance can also protect you against things like theft or damage by a tenant, lost rent, and legal liability.

What’s the difference between Landlord and Homeowners Insurance?

There are several differences between Landlord and Homeowners Insurance, the main difference being that Landlord Insurance provides protection for an investment property you are renting out and not living in, whilst Homeowners Insurance is for your primary residence – the place you live in and call home.

Homeowners Insurance covers the home and/or contents of the house you permanently live in (commonly called a “dwelling”), the things (contents) in your house, and your liability related to the property. It does not cover the risks that come with having a tenant living at your property, such as tenant damage and rent default, making insurance for landlords relevant to cover any property that you permanently rent out.

I already have Honey Homeowners Insurance, do I need Landlord Insurance too?

Firstly, it’s great that you have chosen Honey Insurance to cover your primary residence – the place you live in and call home. Landlord Insurance should not be used to cover your primary residence, however if you have an investment property Honey Landlord Insurance could be for you. Landlord Insurance can protect your investment property from the risks that come with having a tenant living at your property. Additionally, if you’ve borrowed money to buy your investment property, your financial institution may require you to take out insurance on the property.

Do I need content insurance as a landlord?

There are a few situations where you may want to consider contents insurance as a landlord to make sure you have appropriate cover. 

For example, if your property is an apartment, townhouse or unit and is covered by insurance under a strata title that policy may not cover everything that you would like covered. For example, fixtures and fittings such as the kitchen cupboards and appliances, as well as carpets, curtains and blinds may not be covered within your strata insurance policy. A strata policy is also unlikely to provide cover for the risks associated with a tenant living in your property such as loss of rent and tenant damage. You should check this and consider a landlord content policy. 

Where your investment property is a free-standing house, look beyond the building. Whether the property is fully furnished, has a couple of big-ticket items (a refrigerator, a washing machine etc), or nothing at all but the carpet and curtains – contents insurance may be suitable for you as a landlord.

Landlord Insurance can cover your investment property building and/or contents against loss or damage as a result of insured events such as theft or vandalism, floods, fires and storms to mention a few. Landlord Insurance can include building, contents or combined building and contents cover.

Building cover provides cover for the building and structures not under strata title, outdoor items such as fixed water tanks, barbecues and solar panels, and indoor items like walls, ceilings and floors. It can also provide cover for fixtures and fittings such as carpets, curtains and blinds. Contents cover for landlords can cover things like electrical appliances, your furniture and furnishings within the property, lawn and garden equipment and unfixed swimming pools.

Landlord Insurance also provides cover for many of the specific risks that come with renting out your property to a tenant. This includes cover for accidental or malicious damage caused by the tenant, rent default and loss of rent due to the property being impacted by an insured event.

For a full list of the insured events and coverages, as well as terms, conditions and any applicable limits please refer to our Product Disclosure Statement .

We do. Our Product Disclosure Statement defines a flood as: The covering of normally dry land by water that has escaped or been released from the normal confines of any of the following: a lake, river, creek or other natural watercourse (whether or not it has been altered or modified) a reservoir, canal or dam. Please refer to the PDS as certain conditions and exclusions apply.

​​For a full list of exclusions under your policy, please refer to the Product Disclosure Statement .

You’re covered from the date you requested your cover to start. However, if you don’t have existing insurance, we can’t cover you for flood, water runoff, bushfire, storm surge or storm damage for 72 hours.

Honey Landlord Insurance provides new-for-old replacement on your belongings. This means that your possessions will be replaced with brand new items should something happen to them. Because they wear and tear, unfortunately, carpets over 10 years old are not covered with new for old.

How much should I insure my investment property for?

We aren’t able to provide you with advice on the replacement costs of your investment property or how much to insure it for. Instead, we use the information you give us and data sourced from third parties to suggest an amount of cover you could have. You could use this suggestion as a guide.

When considering how much you should insure your investment property for – often referred to as the sum insured – you should include the full cost to rebuild your investment property, including the cost of structural improvements on the property. But don’t include land value. Our policies include an allowance for demolition and site clearance, as well as professional fees for the design of your replacement home. You should also consider increased building costs to meet any relevant local council building requirements. If you are unsure of the replacement cost, a builder or architect may be able to assist you.

We recommend that you use a property building calculator to determine independently an appropriate sum insured for your needs, which you can then compare to the guide provided by us during your quote. Keep in mind that policies receive 5% of the building sum insured for fixtures and fittings, except strata title.

Can I get landlord building insurance if my property is under strata title?

Normally, we can’t insure the building of an investment property under strata title. They’re insured under a body corporate. We do offer contents insurance to cover any fittings and fixtures that aren’t covered as part of the strata insurance. If you are unsure, give us a call on   137 137 . Our team will be happy to chat things through with you.

Am I covered if my tenant defaults on their rent payments?

If you take out a Landlord insurance policy with Honey, when your tenant is in default, we may pay the net rental income up to $5K minus bond entitlement. If your building is damaged to an extent that the tenant can’t live in it, or access to use your building is not possible due to damage to the property or strata title development, we may pay for loss of rent on the insured property for the time it is unoccupied. This benefit is automatically included in your policy and subject to terms and conditions in the Product Disclosure Statement .

Am I covered if my property becomes unoccupied?

Your property can continue to be covered under a Honey Landlord policy against insured events even if it becomes unoccupied. You may be required to pay an additional excess if something happens, but you can rest easy knowing the property is covered.

We consider your rental property unoccupied if no one has been living in it for more than 60 consecutive days or if someone stays there on average for less than one night a week during the 60 day period.

Am I covered if I’m renovating?

Until the roof, floor and external walls are in place, we don’t cover loss or damage to your rental property (and building materials) or your contents caused by events detailed in the Product Disclosure Statement .

Is Landlord Insurance tax deductible?

In some cases, yes. Be sure to check with your tax adviser to find out whether you can claim a tax deduction for your Landlord Insurance costs.

If your investment property is leased as a rental property, you may be able to claim Landlord Insurance costs for your rental property for the period it was tenanted or available for rent.

Am I covered if my rental property becomes untenantable because of storm damage?

Yes. When your property is being repaired after an insured event such as flood, fire, or storm damage, and your tenant can’t live at the property our Landlord insurance policy will pay the net rental income up to 10% of your sum insured, up to 12 months from the insured event.

Am I covered without a lease agreement?

We cannot cover you without a lease agreement. You must have a rental agreement between you and the tenant, and we require that you have it managed by a licensed property manager.

Will Honey cover my holiday rental?

Right now, we are unable to cover homes rented for short-term holiday purposes (less than 3 months) with our Landlord insurance. However, you may be able to find a suitable home or contents policy for your holiday rental on the Insurance Council of Australia website, Find an Insurer .

What’s the difference between a short-term and long-term rental?

A long-term rental is a formal lease where the entire property is rented out as a residence for a minimum period of 3 months. A short-term rental (if you allow guests to accommodate your property registered with a provider like Airbnb) is where you rent the entire property to paying guests for short-term holiday purposes. This rental period under a casual let must be less than 3 months.

Can I choose my own repairer for my property repairs?

We have a specialist panel of repairers who help our customers nationally and are able to safely assess, repair or rebuild your home. As part of this process, we’ll share all information openly with you and, where you’d like to discuss an alternative action such as choosing a different repairer or being paid a fair and reasonable amount for the repairs, our Claims team will gladly support that.

Can I get smart home sensors with Landlord Insurance?

At this time, we do not offer smart home sensors with our Landlord Insurance policy. However, we’ll be sure to update all policyholders if this changes.

Does Honey offer Motor Burnout cover?

Motor Burnout is available as an optional benefit on building and contents insurance policies. By adding Motor Burnout cover you can be covered for loss or damage to the electric motors in your eligible electric appliances if they burn-out and stop working - provided they are less than 10 years old.

How do I find out my Landlord Insurance excess?

You can find your nominated excess on your building and/or contents Certificate of Insurance. That document is sent to you by email when you first take out your policy or when your policy is renewed. If you can’t find your Certificate of Insurance, please call us on 137 137 . Our team is here to help.

If there’s damage to my investment property building and contents, do I pay two excesses if I lodge a claim?

If your claim is a result of the same insured event and the damage sustained is due to the same insured event – e.g. damage to both the building and your contents as a result of the same storm – then you will only need to pay one excess, whichever is the higher of the two.

What is Renters Insurance, and why is it important?

Renters Insurance can cover the contents within a home, including all of your valuable belongings following an insured event. This includes protection of your contents from unpredictable weather and the impacts of cyclones, floods, storms and bushfires. Renters Insurance also protects you against things like theft, damage and legal liability.

Renters Insurance covers your contents against loss or damage as a result of an insured event. For a full list of the insured events we cover, please refer to our Product Disclosure Statement .

• a reservoir, canal or dam.

You’re covered from the date you requested your cover to start. But if you don’t have existing insurance, we can’t cover you for fire or flood damage for 72 hours.

We insure new-for-old replacement on your belongings. This means that your possessions will be replaced with brand new items should something happen to them.

Why has my sum insured increased on my renewal documents?

What insurance should i get if i am a tenant.

We offer smart insurance for renters that’s as flexible as your living situation. Wherever you keep your stuff, we have you covered. Working from home, living with a flatmate, moving house, it’s all good. With our standard cover and extras, we can protect your precious things from things like storms, theft, and accidents – even when you take them out on the town.

Advanced Cover is available on contents insurance policies. It provides cover for both Accidental Damage and Motor Burnout.

Though we do our best to protect you from accidents, we know they’re still going to happen. Accidental Damage cover protects you in the event that you accidentally damage your contents.

For example, if you are moving furniture around the house and damage your wall, or if you spill a drink that damages your carpet, you could be protected under the Accidental Damage option. For full details of conditions and exclusions, check out our Product Disclosure Statement.

Motor Burnout covers you for damage caused by an electrical current that results in the burnout of a household electrical motor. Examples of items that have electric motors are ducted air conditioning, pool pumps and refrigerators. For full details of conditions and exclusions, check out the Product Disclosure Statement .

How do I find out my excess?

You can find your nominated excess on your contents Certificate of Insurance. That document is sent to you when you take out your policy or when your policy is renewed. If you can’t find your Certificate of Insurance, please call us on 137 137 . Our team is here to help.

How does my excess amount impact the premium I pay?

Smarter home, why does honey provide smart home devices with their home insurance policies.

At Honey we believe that protecting your home starts before an accident even occurs.

Many at-home accidents such as water leaks, fires and break-ins can be avoided by using the latest smart home technology. Avoiding these accidents can save you money and the inconvenience of needing your home fixed and contents replaced because something went wrong.

Are the sensors made by Honey?

Your smart home system has been developed by our (really) smart friends at Notion . Notion is a leading technology partner for smart property monitoring, supporting proactive maintenance, and providing value-add smart technology for their customers. Powered by multifunctional sensors and an app, the Notion System delivers notifications to a property owner — empowering proactive self-monitoring to help de-risk a property.

We’ve vetted them, and we’re not the first. But we are the first in Australia to tap into this leading partner for smart property monitoring.

Is smart home sensor data used in the processing of claims?

No smart home sensor data is used in the processing of claims. The sensors are there to help alert you to potential mishaps before they escalate. That’s the beauty of the sensors,  they’re able to let you know about door openings, water leaks, and smoke alarms, to help de-risk your home in order for you to claim less. They’re there for your safety, savings and peace of mind.

Are these sensors child and pet safe?

We’re glad you asked. Like any piece of technology the size of your palm, it’s important to secure the sensors out of reach of children and pets. On the other hand, the Notion Sensors will be able to give you peace of mind that your children and pets are safer when installed in spaces where they play or sleep.

Are my Notion Sensors tracking me and are Honey listening to my conversations?

Your sensors are smart, but they’re not that smart. Nor would we want them to be. Your smart sensors are triggered by a rise or fall in your temperature thresholds, water leaks, and doors opening or closing. Honey only looks at whether your sensors are active or inactive so you can have peace of mind, and make the most of your smart home insurance discount.

Notion also implements world-class security on their devices. This includes:

• End-to-end encryption for over-the-wire transmissions
• AES 256-bit encryption for all data transfers between the bridge and sensors (that’s the same level of security as a bank vault)
• OAuth 2.0 for client authentication (the same level of authentication that Facebook and Twitter use)
• Third-party security and penetration testing to validate systems are well-protected from attack.

Can I get sensors with my Contents Insurance?

Right now, sensors are only eligible for those who take out a Home & Contents or Home policy. We’ll be sure to let you know if we extend the addition of sensors to contents and landlord policies.

Will Honey offer other smart home devices?

At Honey, we’re obsessed with improving our offering and bringing you the next generation of home cover and smart safety measures. Rest assured, if we identify anything new we’ll let you know.

If I have existing smart home devices such as a smart home speaker, smart doorbell or smart camera, can these be added to increase my discount?

We like your thinking! However, at this time our discount only applies to our Notion Smart Home Sensors with the Honey Home & Contents or Home-only Insurance. We carefully selected these sensors as they can alert you to avoidable mishaps like fire, water damage and theft.

Can I buy additional Notion sensors?

Your Notion Sensor Starter Kit ships with sufficient units for the average Australian house. This includes:

• A bridge to connect to your Wi-Fi network
• 3 multi-purpose sensors which detect water leaks, opening doors or windows, and temperature changes
• 1 magnet accessory. The magnet is only needed for the use of sliding doors or windows. But don’t worry, the Notion app will notify you if you need the magnet for installation.

Interested in additional sensors for your home? We are working on securing an easy way for you to expand your coverage and will let you know when that is available.

If the Notion app alerts me to a potential issue from a sensor, what can Honey do to help me?

Honey’s got your back, especially when your Notion Sensors are alerting you on potential issues. 

We’re available 24/7/365, however, if you’re in an emergency and your home is damaged or under threat of damage, call the SES first on 132 500.

What should I do if I need my sensors delivered to a different address?

We typically deliver them to the insured property. If for some reason you think that might be a problem, please contact us and we can arrange an update here.

What should I do if I need to change the date when my sensors are shipped?

If you’re buying a new home and taking out a Honey policy and concerned your sensors might arrive too early, give us a call and we can reschedule your shipment date. We recommend you are in your home when your sensors are scheduled to arrive.

Where can I find out more information on the Notion Sensors?

In the package your sensors arrive in, you’ll find the Notion Quick Start Guide which will answer all your initial set-up questions. You can also find all the information you need on set-up, mounting and usage on the Notion Installation Guide .

The information here relates to all new policies. For customers who purchased a Honey insurance policy with sensors before 20 May 2022 you can find your details of the Smart Home Program Discount here .

If I haven’t received my sensors, am I still eligible for my Honey discount?

Sit tight, if your policy includes smart sensors you will receive a tracking number so that you’ll know when they should arrive. If you don’t receive your sensors according to the tracking, please contact Honey, by calling 137 137 or emailing [email protected] , and we’ll make sure we allow the extra time you need to get set up.

How does the smart discount work?

Once received, simply keep your sensors activated to keep the discount, year after year. If the smart home sensor kit is detected to be offline 28 days after receiving your sensors your discount will be removed for the remainder of your policy term. If you reactivate your sensors, the discount will be reapplied the next time that Honey checks your sensor status.

But don’t worry, Honey will keep you in the loop regarding if and when your sensors are active, and at what date you’ll become ineligible if your sensors remain inactive.

What happens if I don’t keep my smart home devices activated?

If we notice that your sensors are turned off or inactive, we’ll get in touch to see if there’s anything we can do to help get them going again.

How long do I have to install the sensors?

Once received, simply activate the sensors within 28 days to keep the discount, year after year. If your sensors are offline for a while you may lose the discount on your premium. In that case, simply reactivate the sensors and keep them online to start receiving your discount again and be better protected.

Wondering what happens if things don’t go to plan? Here are three scenarios to help you understand a little better how to keep your discount by installing your sensors.

Your sensors arrived on time After receiving her quote, Sarah signed up for Honey Home & Contents Insurance. 7 days after she received her policy confirmation, her Notion sensors arrived. Without hesitation, and wanting to keep her discount, Sarah was able to quickly install her system with the help of the Notion App well within the 28 day allowance. Now she knows that her home is more protected, and she keeps her policy discount.

Your sensor shipment is delayed Shyla bought Home & Contents insurance with Honey. After 7 days her Notion sensors still hadn’t arrived and she became worried, as she was running out of time to install the sensors and keep her discount. Luckily Honey provides 28 days to install the sensors from when they arrive at your home. Shyla contacted Honey to let them know she hadn’t received her sensors according to the tracking, and Honey allowed her the extra time she needed to get set up.

You didn’t install the sensors in time Diego was excited to receive his Notion sensors with his Home & Contents policy. He received his sensors on time but had so much going on that he kept putting the sensor installation at the bottom of his to-do list. Despite multiple reminders from Honey, Diego didn’t get around to installing his sensors within 28 days, and lost his discount. The next month, Diego successfully installed his sensors, and his discount was reinstated the next time that Honey checked his sensor status.

You installed the sensors but then they went offline Laurel successfully installed her sensors and had them active for 3 months. She then happened to get a new Wi-Fi router, so the bridge disconnected from the sensors. Her sensors went offline, and after 2 days Laurel was alerted by the Notion app and received offline emails from Honey. Laurel didn’t reactivate her sensors or contact Honey for help until a month later. Therefore, Laurel lost her discount for the remainder of her policy term. After she reactivated the sensors and connected her new Wi-Fi, she didn’t have any more trouble with them going offline. Her discount was then reinstated the next time that Honey checked her sensor status.

My smart home sensor kit doesn’t work?

If your kit is defective please reach out to us so that we can identify and work with you to resolve any issues. You need to notify us within 7 business days of any problems with your sensors, by calling 137 137 or emailing [email protected] . Rest assured we’ll make sure we allow the extra time you need to get set up where there is a problem that has been identified.

When do you start measuring my sensors?

We start measuring in the month after you receive your sensors, which is why we request their successful set-up within 28 days.

How do I set up my smart home monitoring system?

It’s quick and easy to set up and activate your sensors . Trust us, by far the easiest way to get set up is through the app.

You’ll also receive prompts from Honey via email.

If you identify that the smart home sensor kit is defective, you must notify Honey within 7 business days. If you still need help, call Honey on 137 137 or email Honey at [email protected] .

Do the Notion Sensors need internet connectivity?

Yes, your Notion Sensors require an internet connection through Wi-Fi. This is how the sensors are able to send you alerts to the Notion smartphone app.

Does the smart home kit need electricity?

You will need a power outlet to charge your bridge. The bridge is responsible for connecting your Wi-Fi to your Notion Sensors, and to your Notion App, so it’s imperative to power it to stay active and online. If you incur a major power outage, do let us know so that we can take that into consideration.

How do the sensors charge?

The sensors run off AAA batteries which are included when you receive them and will last approximately 1 year. When you need to replace them, we recommend Alkaline batteries as they will last longer. If it’s your first time using a Notion Sensor, try moving the bridge around in your home to a central location to help ensure all of your sensors can connect.

How do I set up my Notion system?

First thing’s first: go here for iPhone, or here for Android, to download the mobile app to your smartphone. Create your account and follow the instructions in the Notion App to set up your system.

When should I remove the adhesive tabs on the sensors?

Choose carefully. It’s important to note that you don’t remove the adhesive tab to secure the sensors down until the app tells you to. They are designed to secure firmly for ultimate reliability, and removing them takes a bit of extra time and care. This also means if you plan to move them around regularly, think twice before removing the adhesive tab and sticking them down.

Do I need to turn my Location Service on to use Notion?

For Android: Yes, the Notion app needs access to Location Services and Location Permissions to configure the Notion Bridge, but it only needs this access once during your initial setup.  

During set-up you will see a screen, prompting you to Turn on Location Services and Enable Location Permissions. Both requirements must be enabled before you can continue. Your location data will not be stored, until you enable Auto Home/Away mode.

For iOS: No, the Notion app does not require Location Permissions to configure the bridge. Notion will only store location and prompt for the correct location permissions if you choose to enable Auto Home/Away mode.

Why is my Wi-Fi network not supported by the Notion Android app?

According to Notion , if your wireless router is an older model or if it has more settings, it’s possible that it is set up to run on an old and outdated security setting known as WEP. If your router is set up for WEP security, simply go into your router’s settings and find the drop-down list of security options. Choose WPA2 and save your settings. WPA will work, however, WPA2 is more secure. 

If you have an older router that doesn’t allow for WPA2 security, you may need to upgrade to a unit that does support WPA2 to use your Notion system.  

Notion suggests these steps and technical specifications to support your Wi-Fi network:

• Check your phone settings and turn location services on.
• Confirm that your WiFi router has a 2.4 GHz band for the bridge to connect. 
• Most modern routers have a dual-band setting that broadcasts both a 2.4 GHz and a 5.0 GHz band, and the Notion bridge is only compatible with the 2.4 GHz band. 
• You may need to access your WiFi router settings to activate the 2.4 GHz band.

Where is the best place to install the bridge?

We recommend plugging in your bridge in a central location in your home or property and free from obstructions like an entertainment center, a couch, or walls.

What is the bridge range?

A single bridge can provide coverage for most single-family homes. Gen3 Notion Sensors have a range of 460 square metres (that’s roughly a large 3-storey house), however, the average home has many different sources of interference including construction and other wireless signals, so it’s best to be aware of that when placing your sensors.

In some cases, extremely large homes may present the need for an additional bridge. If after trying a few different bridge locations you can’t get things working, remember we are here to help so please contact us and we’ll work with you to get your sensors up and running.

What is the magnet accessory used for?

This is why you need the magnet accessory. Adding a sliding door or window accessory is the change that your Notion Sensor needs to detect when your sliding door or window is open or closed.

However, the accessory by itself will not alert you to any movement. It can only work in tandem with a sensor.

How do I install the magnet as an accessory?

Quick set-up

Note: You will only be able to add the magnet when you add a new sensor task from scratch, or your sensor is already set on a sliding door or sliding window.

• Your magnet needs to be within 3 inches (7cm) but no closer than 1 inch (2.5cm) from the sensor when the door/ window is closed.
• Your magnet and sensor need to be of level height, with the magnet perpendicular to the direction the sensor will move. 
• Ensure you measure the correct positioning prior to securing your sensor and magnet on your window or door.

Further information

If you are installing the magnet as an accessory with a new sensor, simply follow the standard installation process for any other Notion Sensor. When you choose a sliding door or window task during installation, the mobile app will ask if you have an accessory. If you choose yes, the app will direct you on how to install the accessory and calibrate the sensor accordingly. 

If you already have a sliding door or window sensor installed and you would like to add a magnet as an accessory, go to the mobile app to get set up.

From the home page, click the sliding motion task where you would like to install the accessory.

Scroll to the bottom and click ‘Add Accessory’.

Then follow the in-app prompts to install the accessory and re-calibrate your sensor.

Your sensor will now tell you when your sliding window or door is opened or closed, not just when it moves.

Where should I place the magnet?

The magnet needs to be placed carefully to get the most reliable alerts. You can do this by:

• Making sure both the sensor and the accessory are level with each other. If the sensor is on a window and the accessory is elevated on the window frame, that may affect the accuracy.
• Make sure that the accessory is perpendicular to the direction the sensor is going to move e.g. if your window moves up and down, the accessory should be horizontal. If your window moves left and right, the accessory should be vertical.
• When the door or window is closed, make sure that the accessory and the sensor are close together, but not touching. They should be at least 2 centimetres apart, but no more than 7 centimetres apart.
• Make sure that both the accessory and the sensor are installed so that the logos on both pieces face the same direction. For example, if you can read the “Notion” logo on the sensor, then you should be able to see the “N” on the accessory from the same spot.

I’ve set up my sensors! Now, how do I test them?

Nice one! Testing Notion Sensors is even easier than setting them up! Below, we’ve included each task and how to properly test it:

Testing Your Door and Window Sensors

Once a sensor is installed on a door to detect the door opening and closing, testing the sensor simply means opening and closing the door. If you have not adjusted your notification preferences then you will get an alert any time the door opens.

Testing Your Leak Detector Sensors

To test your leak sensors, introduce a little water around the base of the sensor. The sensor will only detect the leak if water bridges the gap between the small brass pins on the bottom of the sensor. The sensor should send a notification almost immediately.

Testing Your Smoke Alarm Sensors

Considering your local fire department recommends testing your smoke alarms on a regular basis, it is worth testing your smoke alarms alongside your Notion Sensor smoke alarm. With the sensor installed, press the test button on your smoke alarm for at least 30 seconds. Your sensor will detect the alarm within the 30 second window and will send a notification right away.

Testing Your Temperature Sensors

The sensor will begin reporting temperature as soon as it is set up. To test this function, simply check the home screen of your Notion app to make sure the sensor is reporting a temperature.

How can I tell if my Notion Sensors are compatible with my smoke and carbon monoxide alarms?

It is worth testing your smoke alarms alongside your Notion Sensor*. With the sensor installed, press the test button on your smoke or carbon monoxide alarm for at least 30 seconds. Your sensor will listen to the sound from the alarm within the 30-second window and will send a notification through the Notion app.

For more information about testing your Notion Sensors,  visit this page .

*Your  Notion Sensor  does not detect fire, smoke or carbon monoxide and is intended to listen for only UL-listed smoke and CO alarms that are fewer than 10 years old.

How do I replace the Sensor Battery?

To replace your Sensor battery, follow these steps.

• Twist the sensor body counter-clockwise to remove it from the gray baseplate
• Remove the old batteries from the sensor
• Install new batteries in the sensor, following the guide in the compartment to ensure they are facing the correct direction
• Line up the arrow on the baseplate with the arrow on the sensor body, push the two halves together, and twist clockwise - all the way until you feel a click.

Notion recommends standard Alkaline AAA batteries for Gen 3 Sensors. Following your battery replacement, make sure your Sensors are on and test that they’re connected to the Bridge and reporting events correctly. 

CAUTION : There is a risk of explosion if the battery is replaced by an incorrect type. Please think of the environment and dispose of used batteries by recycling wherever possible according to local disposal regulations

What is If This Then That (IFTTT) and how does it work with Notion?

If This Then That (IFTTT) helps your apps and your smart home devices and services, like Notion, talk to each other. 

Through IFTTT’s mini-apps called “applets” you can trigger events your Notion app can’t do on its own. For example, with IFTTT you can: 

• Automatically send yourself a text message when Notion detects a Smoke or CO alarm.
• Automatically add Notion temperature data to a Google Sheet.
• Expand your Notion notifications with a phone call
• If you have an app like SmartThings Switch, it will be triggered when Notion detects a door opening.

For more information on how to connect Notion with your other smart home devices, head to the IFTTT website .

My sensor LED light won’t turn on

The sensor will have a green, plastic battery tab that prevents the batteries from powering the sensor. Make sure that it is fully removed before setting up your sensor.

• The sensor will flash green once shortly after you pull the battery tab, but it will not flash after that to conserve the battery. 
• If you’re still having trouble, try cycling the batteries.
• Twist the white body of the sensor counter-clockwise to separate it from the gray baseplate.
• Remove the batteries and reinstall them.
• When the batteries are reinstalled, look for the sensor LED light to flash.

My sensor won’t calibrate

After you’ve scanned your sensor and chosen your preferred location and tasks, the sensor will need to calibrate. If the sensor is not calibrated then you might miss out on important notifications about your home. 

Try these steps to help your sensor calibrate correctly:

• Make sure the sensor was not mistakenly added to your account. Click the System icon in the app and navigate to the Sensors tab. Check to see if the sensor is listed there. If it is, click it, scroll to the bottom and tap “delete sensor” and try the sensor installation process again.
• Make sure the sensor is turned on during calibration. Try the steps above to turn on your sensor and make sure you see a green LED.
• Move your bridge closer to the sensor and try calibrating again. You can move your bridge back after the sensor is calibrated.
• Make sure your sensor is not blocked by anything that might cause interference during installation. This could include physical obstructions as well as other electronic devices that emit radio signals.

Why aren’t I getting alerts from my sensor, even though my magnet is installed?

Most issues with the syncing of the magnet will be the result of the location of the magnet relative to the sensor.

If you are not getting alerts from your sliding window or door sensor with an accessory, then the accessory is too far from the sensor when the door or window is closed. Move the accessory closer to the sensor and re-sync the task. 

If your task gets stuck reporting that your sliding door or window is stuck open, then the accessory is too close to the sensor when the door or window is closed. Move the accessory to about an inch away from the sensor when the door or window is closed, then re-sync the task.

Why can’t the Notion app configure my bridge?

Notion identifies that there are a few different issues that can cause errors in the bridge setup process. However, the troubleshooting remains similar:

• Make sure that you are entering the correct WiFi password for your network
• Connect your phone to a 2.4 GHz WiFi network. If you have a dual-band WiFi router, you may need to “forget” the 5.0 GHz band

For iPhone:

• Go to the WiFi settings of your phone
• Turn off the setting that says “Ask to Join Networks”
• At the bottom of the list of available WiFi networks, find your Notion bridge under “Set Up New Device”. Click on it and follow the prompts
• At the end, go back to the Notion app and follow through with the bridge set up process there to add the bridge to your system in the app

My bridge is still not found. What now?

Your bridge should be green, slowly fading in and out. If it is a different colour or pattern, then reset the bridge .

Did you plug your bridge in within the last 30 minutes? A bridge is only searchable within 30 minutes of being plugged in. If it’s been over a half-hour since you plugged in the bridge, please unplug it and replug it back in before trying again. 

How close is your bridge to your router? During the initial pairing, it may help to move the bridge to a room closer to your router. 

Are location services turned on for the mobile device you’re using? Please visit your phone settings and ensure the location is turned on for the Notion app.

Why is my sensor disconnecting from the bridge?

If it’s your first time activating the sensors, try moving the bridge around in your home to make sure that it is close enough to the sensor. 

If the system has been up and running for a while, check the battery level in the sensor and also make sure it hasn’t been obstructed by anything that could affect the wireless signal between the sensor and the bridge.

My bridge is disconnected. How do I pair my bridge with new Wi-Fi?

You will need to reset your bridge by deleting it from your system and reinstalling it.

Leaving your bridge plugged in, press the small reset button next to the light for 10 seconds. Next, in the Notion app click on “System” > “Bridges” > “Bridge Details” > “Delete Bridge”. 

Then, click on “Add Bridge” to reinstall with your new Wi-Fi network.

I have a question about my sensors that I can’t find here

For any other questions not answered here, head over to Notion’s top FAQs , support center , or contact Honey to speak to our customer support team.

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Insurances Required When Buying a Property QLD: Mortgage Insurance, Title Insurance, Home and Contents, Landlord, Body Corporate

Buying a property is an important milestone in one’s life, but it also comes with certain risks. To safeguard your investment and protect yourself financially, it’s crucial to have the right insurances in place. In Queensland (QLD), there are several insurances you should consider when purchasing a property. In this article, we will explore the insurances required when buying a property in QLD, including mortgage insurance, title insurance, home and contents insurance, landlord insurance, and body corporate insurance.

When purchasing a property, it’s essential to understand the concept of property insurance and the specific insurances relevant to your situation. Property insurance is designed to provide financial protection against potential risks associated with owning a property. In QLD, where property ownership is a significant investment, having the right insurances becomes even more crucial.

Mortgage Insurance

Definition and purpose of mortgage insurance

Mortgage insurance, also known as Lenders Mortgage Insurance (LMI), is a type of insurance that protects lenders when borrowers have a small deposit (less than 20% of the property’s value). It acts as a safety net for lenders, mitigating the risk of financial loss if the borrower defaults on their mortgage payments.

How mortgage insurance protects lenders and borrowers

Mortgage insurance provides lenders with a guarantee that they will be reimbursed for their losses if a borrower defaults. This allows lenders to provide loans with a smaller deposit requirement, enabling more people to enter the property market. Additionally, it offers borrowers the opportunity to secure a loan without a large upfront deposit.

Factors influencing mortgage insurance premiums

The cost of mortgage insurance is influenced by several factors, including the loan amount, loan-to-value ratio (LVR), the borrower’s credit history, and the type of property being purchased. Typically, the higher the LVR, the higher the insurance premium.

Benefits and drawbacks of mortgage insurance

Mortgage insurance allows borrowers to enter the property market with a smaller deposit, increasing their chances of homeownership. However, it’s important to note that mortgage insurance primarily benefits the lender, as it protects them from financial loss.

While mortgage insurance provides benefits for lenders, borrowers should also consider the drawbacks. Firstly, mortgage insurance premiums can be expensive, adding to the overall cost of the loan. Additionally, the insurance coverage only protects the lender, not the borrower. If a borrower defaults on their mortgage and the property is sold for less than the outstanding loan amount, the borrower may still be responsible for the remaining debt.

Title Insurance

Understanding title insurance and its significance

Title insurance is a form of protection that safeguards property owners and lenders against potential legal and financial issues related to the property’s title. It provides peace of mind by ensuring that the property’s title is free from defects, encumbrances, and unforeseen claims.

Coverage provided by title insurance

Title insurance covers various risks, including but not limited to:

1. Undisclosed liens or mortgages on the property

2. Fraudulent or invalid property transfers

3. Unresolved boundary disputes

4. Errors in public records or surveys

5. Unknown heirs or previous owners claiming ownership

Common issues title insurance protects against

Title insurance protects against a wide range of potential issues that could arise during or after the property purchase. Some common examples include:

1. Forgery or fraud in the chain of title documents

2. Unpaid property taxes or assessments

3. Easements or rights-of-way that impact property use

4. Invalid or improperly executed legal documents

5. Mistakes or omissions in the title search process

Benefits of having title insurance in QLD

Having title insurance in QLD offers several benefits. Firstly, it provides financial protection in case of any unforeseen claims or defects in the property’s title. Additionally, it saves time and effort by handling legal issues and potential disputes related to the property’s title. Finally, it provides peace of mind for property owners, knowing that their investment is secure. To obtain a quote contact Stewart Title. 

Home and Contents Insurance

Importance of home and contents insurance

Home and contents insurance is crucial for homeowners in QLD as it provides protection against unexpected events that may damage or destroy their property or possessions. It covers the structure of the home and the belongings within it, offering financial assistance to repair or replace damaged items.

Coverage provided by home and contents insurance

Home and contents insurance typically covers:

1. Damage or loss caused by fire, storm, or natural disasters

2. Theft or burglary of personal belongings

3. Accidental damage to the property or its contents

4. Liability coverage for injuries that occur on the property

5. Additional living expenses if the home becomes temporarily uninhabitable

Factors influencing home and contents insurance premiums

The cost of home and contents insurance can vary based on several factors, such as:

1. The location of the property and its susceptibility to natural disasters or crime

2. The value of the property and its contents

3. The level of coverage and optional add-ons chosen by the homeowner

4. The homeowner’s claims history and credit rating

5. The security features and safety measures implemented in the property

How home and contents insurance protects homeowners

Home and contents insurance provides financial protection to homeowners by covering the costs associated with repairing or rebuilding their property in the event of damage or destruction. It also offers compensation for stolen or damaged belongings, giving homeowners peace of mind.

Landlord Insurance Need for landlord insurance

If you’re purchasing a property with the intention of renting it out, landlord insurance is essential. It offers protection specifically designed for landlords, covering risks associated with renting out a property.

Landlord insurance typically includes:

1. Loss of rental income due to tenant default or property damage: Landlord insurance provides coverage for situations where tenants fail to pay rent or cause damage to the property, resulting in a loss of rental income.

2. Damage caused by tenants or their guests: This coverage protects landlords from the cost of repairs or replacements caused by tenants or their visitors. It includes damage to the structure of the property, as well as fixtures, fittings, and appliances.

3. Public liability coverage: Landlord insurance includes public liability coverage, which protects landlords in the event that someone is injured on the rental property. It covers legal expenses and compensation claims arising from such incidents.

4. Legal expenses: Landlord insurance often covers legal expenses incurred during disputes with tenants, such as eviction proceedings or damage claims.

5. Theft and malicious damage: Landlord insurance may provide coverage for theft of property by tenants or damage caused intentionally.

Having landlord insurance in place is crucial for protecting your investment and minimizing financial risks associated with rental properties. It provides peace of mind and ensures that you have the necessary support in case of unexpected incidents or tenant-related issues.

Body Corporate Insurance

What is body corporate insurance?

Body corporate insurance, also known as strata insurance, is a type of insurance that covers shared areas and common property within strata-titled properties. It provides protection for property owners who are part of a body corporate or owners’ corporation.

Importance of body corporate insurance for shared properties

In shared properties such as apartment complexes or townhouses, body corporate insurance is essential. It covers risks associated with shared areas, including common spaces, building exteriors, and infrastructure. Having body corporate insurance ensures that all property owners within the complex are protected from potential damages or liability claims.

Coverage provided by body corporate insurance

Body corporate insurance typically covers:

1. Building and structural damage: This includes coverage for repairs or reconstruction of the building’s structure, external walls, roofs, and common areas.

2. Public liability coverage: Body corporate insurance protects against liability claims if someone is injured or their property is damaged within the shared areas of the property.

3. Common property contents: It provides coverage for shared facilities and contents such as lifts, swimming pools, gyms, and gardens.

4. Loss of rent: In case of damage to shared areas that renders the property uninhabitable, body corporate insurance may cover the loss of rental income for affected property owners.

Having body corporate insurance ensures that property owners within shared complexes are protected from potential risks and liabilities. It provides collective coverage for shared areas, offering financial security and peace of mind for all owners.

Choosing the Right Insurances

When buying a property in QLD, it’s essential to choose the right insurances to protect your investment adequately. Here are some factors to consider:

1. Property type and usage: Different types of properties have different insurance requirements. Whether you’re buying a residential property, commercial property, or investment property, consider the specific insurance needs associated with the property type.

2. Financial considerations: Assess your budget and determine the affordability of insurance premiums. Compare quotes from different insurance providers to ensure you’re getting the best coverage at a reasonable price.

3. Consultation with insurance professionals: Seek advice from insurance professionals who specialize in property insurance. They can guide you through the process, assess your specific needs, and recommend suitable insurance policies.

4. Policy terms and conditions: Carefully review the terms and conditions of each insurance policy. Pay attention to the coverage limits, exclusions, deductibles, and any additional benefits or add-ons offered by the insurance provider. Make sure the policy aligns with your specific needs and offers comprehensive protection.

5. Insurance provider reputation: Research the reputation and track record of the insurance providers you are considering. Look for reviews, ratings, and feedback from other policyholders to ensure you choose a reliable and trustworthy company that provides excellent customer service.

6. Seek professional advice: When in doubt, consult with a qualified insurance broker or professional who can offer expert guidance based on your unique circumstances. They can help you navigate the complexities of insurance policies and ensure you have the right coverage in place.

By carefully considering these factors and selecting the appropriate insurances, you can safeguard your property investment in QLD and protect yourself from potential financial risks and liabilities.

Purchasing a property in QLD involves various financial responsibilities and risks. To mitigate these risks and protect your investment, it’s crucial to understand and secure the necessary insurances. Mortgage insurance, title insurance, home and contents insurance, landlord insurance, and body corporate insurance each serve different purposes and offer specific coverage to address potential risks.

Mortgage insurance protects lenders in case of borrower default, while title insurance ensures a clear title and protects against unforeseen claims. Home and contents insurance provides coverage for property damage and personal belongings, while landlord insurance is essential for those renting out their property. Body corporate insurance protects owners within shared complexes from liabilities and damages in common areas.

By carefully assessing your needs, understanding the coverage provided by each insurance type, and selecting reputable insurance providers, you can safeguard your property and finances. Prioritize obtaining the right insurances to secure your investment and enjoy peace of mind.

FAQs (Frequently Asked Questions)

1. Is mortgage insurance mandatory in QLD?

• Mortgage insurance is generally required for borrowers who have less than a 20% deposit. However, the specific requirements may vary depending on the lender and loan type.

2. What does title insurance cover that a regular title search doesn’t?

• Title insurance provides coverage for potential issues that may not be uncovered during a regular title search, such as fraud, forgery, and undiscovered liens or encumbrances.

3. Can I bundle home and contents insurance together?

• Yes, many insurance providers offer combined home and contents insurance policies for convenience and potential cost savings.

4. Do I need landlord insurance if I have a property manager?

• Yes, landlord insurance is still necessary as property managers typically focus on tenant-related matters rather than property damage or loss of rental income.

5. Is body corporate insurance the same as strata insurance?

• Yes, body corporate insurance and strata insurance are interchangeable terms used to describe insurance for shared properties with multiple owners.

6. Does the seller pass on the insurance to the buyer?

• The transfer of insurance from the seller to the buyer depends on the specific terms outlined in the contract of sale. It is important to review the contract and consult with legal professionals to understand the insurance responsibilities during the property transfer process.

7. Is insurance included in the sale price of a contract of sale?

• In most cases, insurance costs are not included in the sale price of a property. Insurance is typically a separate expense that the buyer needs to arrange and pay for independently. It’s important to factor in insurance costs when budgeting for your property purchase.

8. Are insurances a one-time payment?

• The payment terms and frequency of insurance premiums can vary depending on the type of insurance and the insurance provider. Some insurance policies require annual payments, while others may offer monthly or quarterly payment options. It’s important to review the terms and conditions of your insurance policy to understand the payment requirements.

This is general advice only, for specific legal advice contact your legal representative or solicitor.

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Things to note

Insurance products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the PDS and any applicable Supplementary PDS  plus any relevant Key Facts Sheet before making a purchase decision on this product. You can also access our Target Market Determinations on this website.

~Up to 10% of the sum insured, short term accommodation costs for up to 14 days and ongoing accommodation costs for up to 12 months.

~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.

# Conditions apply. Offer available at participating Caltex and Puma Energy service stations. Visit racq.com/caltex for details.

*The online discount will be applied and deducted on the total annual premium amount payable on your new policy. Excludes pay later option and any policy renewals. Discount amounts may be pro-rated for cover of less than 12 months.

^^ Home and contents must be at the same address.

+ Based on RACQ data as at 4 April 2024, over 350,000 Queenslanders held Household Insurance policies with either Home cover, Contents cover, or Home and Contents cover.

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Insurers, insurance brands and products compared

The home insurers, insurance brands and products compared on this site are set out in the following table. Note that this does not include all insurers offering home insurance in North Queensland. All insurers on this list are those that provide home insurance directly to consumers. Insurers who offer their products exclusively through brokers are not compared on this site.

* Some insurance brands have multiple products because they offer different levels of cover. However, not all insurance brands offer different levels of cover. Not all products are compared on this site. For this website:

• Basic does not include fusion cover or accidental damage. Additional features may also be available. Contact the relevant insurer(s) for more information.
• Intermediate includes basic cover and fusion cover, but not accidental damage cover. Additional features may also be available. Contact the relevant insurer(s) for more information.
• Advanced includes basic cover, fusion cover and accidental damage. Additional features may also be available. Contact the relevant insurer(s) for more information.

** Apia policies are specifically for people aged over 50.

*** Accidental damage cover is available online for Contents policies only. 

The table above includes the product for the insurance brand that offers the lowest level of cover to satisfy our definition of basic, intermediate and advanced covers. This means that a product listed at one level of cover might also be listed at another level of cover. 

Home Insurance

Last updated: Tuesday, October 31, 2023

  Contact

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• Home and Contents Insurance

Our three levels of cover offer flexibility and easy claim. Because you can’t put a price on peace of mind.

online offer

SAVE $100 OFF

when you get a quote and buy online *

Why choose Suncorp Insurance?

Easy 24/7 claims

15% multi-policy discount

Insuring Australians since 1902

Choose from 3 levels of Home and Contents Insurance

Some of what's included.

Regular cover

Mid-Range cover

Classic Extras

Classic Advantages

Loss or damage in a flood, storm, hail, fire, escape of liquid, and theft #

Build It Back Better™

Up to $5,000

Up to $7,500

Up to $10,000

Safety net home protection provides an additional percentage of your nominated sum insured.  This means that if your home is damaged and the cost of repairing or replacing it is more than you have nominated, we can increase your sum insured by a percentage depending on the level of cover you have selected.

Safety net home protection

OPTIONAL Up to a further 25% of your home sum insured

Up to a further 25% of your home sum insured

Up to a further 30% of your home sum insured

Lifetime guarantee of quality workmanship for repairs or rebuilds

When we repair or rebuild the home, we guarantee the quality of workmanship of that work for the lifetime of your home if we: — authorise; — arrange; and — pay the builder or repairer directly for this work.  Read the PDS for more information.

Replacement of damaged contents with ‘new for old’

If the quoted cost to repair is more than the cost of replacement on a ‘new for old’ basis or if the contents item cannot be repaired, you have the option to accept a replacement on a ‘new for old’ basis sourced through our supplier network.  Read the PDS for more information.

Accidental damage at the home

This covers loss, breakage or damage to something by accident at home. For example: dropping, knocking over or spilling something without intent. 

A quote includes all 3 levels of cover – choose the one that best suits your needs.

Download the Product Disclosure Statement (PDS) OR Check out our Visual Guide to Home & Contents Insurance.

What we cover

Every policy covers these insured events as standard.

• Storm and cyclone ^
• Fire (including bushfires) ^

Theft and burglary

• Malicious acts and vandalism
• Escape of liquid e.g. burst pipe

See full list of insured events

Build it Back Better™

If your home is damaged by an insured event and the assessed repair or rebuild costs are more than $50,000 or 10% of your sum insured (whichever is higher), you’ll be offered additional recommended resilience options to help protect against damage to your home.

Conditions apply

Lodging your claim is simple and convenient

If you need to make a claim, we’re here to help you every step of the way.

1. Have your details ready

We’ll need your policy number and details of the event. Don’t know your policy number? Use our policy finder tool .

2. Lodge a claim 24/7

Make your claim online, or through the Suncorp App, and track the progress of your claim at any time. Claims may be decided instantly. If we need more info, we’ll contact you within 2 business days.

3. Assessment

We’ll contact you to arrange a time to assess the damage, and let you know what you’re covered for, including any excesses that may apply.

4. Finalise your claim

We’ll let you know once your claim is complete and arrange any repairs, replacements or payments to you.

How much are your home and contents worth?

Home Building Calculator

Estimate the rebuild cost of your home to help you choose your sum insured.

Contents Calculator

Estimate the replacement costs of your home's contents to determine how much cover you may need.

Frequently Asked Questions

Home and contents insurance covers your house and possessions against damage caused by an insured event such as fire, flood, storm or theft. It includes new-for-old repair or replacement and the option to cover personal valuables like your mobile phone, laptop, or bicycle (if not racing or pace-making).

This depends on your individual claim and policy. Where we can, we will arrange replacement contents for your lost or damaged belongings. In some cases we may not have a supplier for certain items and we may ask you to provide a replacement quote. If we deem this quote fair and reasonable we will offer you settlement based on that quote. If the cost to replace your contents will exceed the sum insured on your certificate of insurance, we will need to discuss the options with you.

Yes, your home is covered if it is unoccupied, however an additional excess applies to any claim made during this time if the home has been unoccupied for more than 60 consecutive days.

Your Suncorp policy provides you with up to $20 million legal liability cover.

Legal liability covers your liability to pay compensation for death or bodily injury to other people or loss or damage to their property resulting from an incident, which happens in connection with you owning or living in the home at the insured address. For instance, if a person was to come onto your property and injure themselves by tripping whilst climbing the stairs, the Home legal liability component of your policy would respond if you were found legally liable for the injury sustained and damages were sought from you.*

Legal liability on contents also covers your liability to pay compensation for an incident, which causes death or bodily injury to other people anywhere in Australia or New Zealand. So if you were playing golf at your local golf club and your ball was to strike another player causing injury, the contents legal liability component of your policy would respond  if you were found legally liable for the injury sustained and damages were sought from you*.

* This example assumes your claim was not otherwise excluded by your policy.

We utilise experienced, qualified builders that are part of our supplier network. We offer a lifetime guarantee on home repairs, which means the quality of workmanship of the repairs we authorise to your home are guaranteed for the lifetime of your home.

Alternatively, you can be paid the amount of the assessed quote and manage the repairs to your home yourself, but the lifetime guarantee will not apply.

To learn more, refer to the  PDS .

Suncorp Home and Contents Insurance includes cover for home office items at your address, like monitors, desks and chairs.

If you would like to discuss the coverage of your home office equipment further, please call 13 11 55 or click the chat icon to speak to someone online.

If you’ve taken a work laptop home from your employer’s office, you’re considered to be responsible for it while it’s away from their office. Your work laptop may then be covered by your Home and Contents Insurance .

However, this only extends to cover at home, so if you’re planning on using your laptop elsewhere and would like cover for it, please contact us on 13 11 55 .

Make a claim

View all FAQs

Home Insurance Insights

The impacts of water damage at home, does home contents insurance cover carpet, are decks covered by home insurance, what is legal liability cover, what affects my home insurance renewal price, does home insurance cover vandalism, how to make a home insurance claim.

* Offer available only for the purchase of a new eligible policy of insurance issued by AAI Limited ABN 48 005 297 807 AFSL 230859 trading as Suncorp Insurance. Discount will be applied upon purchase of the new eligible policy of insurance and subtracted from the price of the premium. If you’re eligible for more than one discount, we apply any subsequent discount to the already discounted premium (usually before adding taxes and charges).

# Actions or movements of the sea and loss or damage caused by storm surge (unless the storm surge damage occurs at the same time as damage caused by a storm) are not covered. We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions apply.

^ We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.

For full details of the covers, limitations, exclusions and conditions contained within Suncorp Home and Contents Insurance please read the Suncorp Home and Contents Insurance Product Disclosure Statement . The Target Market Determination is also available.

Find out what our Home Insurance customers think

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Reviews are independently verified and detail our customers' real experiences.

Get a quote

Need to claim? We’ll sort it out as quickly as we can! Make your claim online or through the Suncorp App. It only takes around 5 minutes and you can track the progress of your claim at any time. You'll get your claim number instantly and can easily let us know if any emergency repairs are required.

To qualify for the 15% Multiple Policy Discount (the MPD) you must have 3 or more eligible paid personal insurance policies with Suncorp Insurance. There must be a common mailing address and the person(s) seeking the discount must be nominated as an insured with the same name and date of birth on each eligible policy. The eligible policies to qualify for the MPD are Suncorp Home, Contents, Landlord, Car, CTP, Motorcycle, Caravan (including trailer), Motorhome and Boat.

Suncorp CTP counts as an eligible policy, but you will not receive the MPD on the premium as it cannot be discounted due to Queensland legislation.

The MPD does not apply to the Suncorp Insurance Home Assist or Excess-free glass cover portion of your premium, if you have selected these optional covers with Suncorp Home Insurance or Suncorp Roadside Assist if you have selected this optional cover for Suncorp Comprehensive Car Insurance.  Read full terms and conditions

We’ve been proudly insuring Australian homes for over 100 years. We pride ourselves on delivering for our customers. We have a team dedicated to helping you protect what’s most important to you.

Accidental glass breakage

This covers things like fixed glass in windows, doors, skylights, shower-bath combos, toilets, basins, baths and the glass that forms part of a fixed cooking or heating appliance.

It doesn’t cover ceramic tiles, drinking glasses or glass that is part of things like vases, ornaments or light globes.

Personal Valuables

Personal valuables are some of the valuable things you might leave the house with. It’s things like your mobile phone, camera, laptop, or tablet. It also includes bicycles (as long as you’re not racing or pace making).

With personal valuables, the items are covered anywhere in Australia and New Zealand.

You can choose whether to specify the items so as to cover them up to a specified value, or if you’re happy to have unspecified cover, we pay up to $1,000 per item.

Temporary accommodation

If your home is damaged by one of our insured events to the extent that it cannot be lived in, we will pay for your reasonable temporary accommodation costs, including for your domestic pets.  Please read the PDS for full details of conditions, exclusions and limits.

Motor burnout

Covers the burning out or fusing of electric motors that are part of your home and equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges (if you have contents cover).

Motor burnout excess applies instead of the standard excess (plus any other applicable excess).

Excess-Free Glass with Suncorp Home Insurance

Repair your broken glass with no excess payable

Whether it’s a shower screen, window, fixed mirror or skylight, repairing accidentally broken glass can be expensive and time consuming. But, with this optional cover for your Home Insurance policy, you can get it done without paying an excess.

What’s included

• Reasonable and necessary costs to repair or replace fixed glass in windows, doors, skylights and shower screens, in your home.
• Costs for repair or replacement of frames in windows, doors and shower screens, if necessary to enable the glass to be replaced.
• No excess to pay when your claim is only for the broken fixed glass.
• Access to trusted glass repairers.

Exclusions Apply

This optional cover is for certain fixed glass only, so it doesn’t apply to things like drinking glasses, vases, or TV screens.

Exclusions apply

For more detail, including limits, conditions and exclusions, refer to the Product Disclosure Statement (PDS) .

Build it Back Better TM

If your home is damaged by an insured event and the assessed repair or rebuild costs are more than $50,000 or 10% of your sum insured (whichever is higher), you’ll be offered additional recommended resilience options to help protect against severe weather. Depending on your level of cover this could be up to $5,000 - $10,000.

Build it Back Better™ is automatically included with a new or renewed (from 25th March, 2021) Suncorp Building Insurance or Home & Contents Insurance policy.

We can offer this feature when:

• your home claim is covered
• the assessed repair or rebuild for your claim costs are more than $50,000 or 10% of your sum insured, whichever is the higher amount.
• a member of our supplier network is able to undertake the work, and
• your home doesn’t already have the selected resiliency enhancement.

The most we’ll pay for these resilience enhancement options is $5,000 for Classic policies, $7,500 for Classic Extras, and $10,000 for Classic Advantages.

Cover applies to claims with building damage over $50,000 or 10% of sum insured, whichever is highest. Resilience improvements are tiered according to level of cover up to $10,000. Limits, conditions and exclusions apply. Before buying insurance issued by AAI Limited trading as Suncorp Insurance read the PDS at suncorp.com.au

Insurance issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Read the Product Disclosure Statement before buying this insurance. Go to suncorp.com.au for a copy. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.

Cover applies to claims with building damage over $50,000 or 10% of sum insured, whichever is highest. Resilience improvements are tiered according to level of cover up to $10,000. Limits, conditions and exclusions apply. Before buying insurance issued by AAI Limited trading as Suncorp Insurance read the Product Disclosure Statement .

What is a ‘home sum insured’?

Your sum insured is the amount listed on your policy as the most we’ll pay to repair or rebuild your home in the event of a successful claim. You can choose your sum insured, from a range offered by us, when you take out or renew your policy. If your sum insured is less than the amount it would cost to rebuild your home, you may have to pay additional costs out of pocket if your home is damaged or destroyed. You can estimate your rebuild cost with our Home Building Calculator .

Suncorp Insurance Home Assist

General maintenance

Suncorp Insurance Home Assist does not cover general maintenance, such as the provision or replacement of windows, doors, glass, tiles, carpets and of fittings and fixtures. Other exclusions apply — please read the Home Assist Terms & Conditions .

Preventative services

Suncorp Insurance Home Assist does not cover preventative services, such as the removal of property, rubbish or debris. Read the Home Assist Terms & Conditions .

Disaster response

Suncorp Insurance Home Assist is not an emergency rescue or disaster response service. Read the Home Assist Terms & Conditions to find out more.

Where an emergency situation poses a risk to your personal safety or property, or the personal safety and property of any other person, contact the appropriate emergency or rescue services.

Offering help from a plumber, electrician, locksmith or carpenter if you have a home emergency.

How you could get help from selected emergency tradies

Suncorp Insurance optional Home Assist can offer you help from a plumber, electrician, locksmith or carpenter for a sudden and unforeseen home emergency. So, if you’re faced with something like a burst pipe or broken door key, Home Assist could help get it sorted.

FYI, it won’t help with general maintenance , preventative services  or disaster response . Some geographical limitations apply to availability of cover, and cover is not available within the first 24 hours of taking out Home Insurance, or adding the optional cover to your policy.

Tradies available 24/7

Electrician

How it works

For assistance in a home emergency — that is, a sudden and unforeseen incident which requires urgent attention — call 13 22 44 .

• 3 excess-free callouts within your policy period
• Repair materials, up to $50
• Up to 2 hours emergency assistance per callout
• A trusted network of tradies

Contents in Transit

We provide some cover for contents in transit and storage within Australia. This is an additional cover that comes with your policy at no extra cost. Limits, exclusions and conditions apply.

Injury to pet dogs and cats

If a pet dog or cat shown on your certificate of insurance is injured in an incident, we’ll pay for necessary veterinary treatment (up to $2000 per accident). Extra premium and injury to pet dogs and cats excess will apply.

Find out more

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Suncorp Roadside Assist

Whether it's a flat tyre or a breakdown, if you can't get started, we're here to help.

Available as an optional cover with our 3 levels of Comprehensive cover, Suncorp Roadside Assist gives you confidence when you're on the road. 

• 24/7 support, regardless of who's driving
• Unlimited service call-outs across Australia (terms and conditions apply)
• All for a low annual cost, with no extra joining fee.

First eligible policy

If you first purchase or have an existing Suncorp Car, Suncorp QLD CTP, Suncorp Motorcycle or Suncorp Home and/or Contents insurance policy, you will be eligible for this campaign. Refer to the T&Cs .

Second new eligible Policy purchased

• If you first purchase or have an existing Suncorp Car or Motorcycle policy, you can get 20% off new Suncorp home insurance.  (‘New Suncorp home insurance’ excludes landlord and strata insurance)
• If you first purchase or have an existing Suncorp Home or QLD CTP policy, you can get 20% off new Suncorp car insurance.  (‘New Suncorp car insurance’ excludes QLD CTP and Suncorp Roadside Assist)

Refer to the T&Cs .

Buy Car & Home insurance to Save 20% off your second policy before 31 July!

New Customers

When you buy a new eligible Suncorp policy , you will then be provided a link to save 20% off your second new eligible policy .

Current online discounts applied to the first policy only. Second policy will receive 20% off. Refer to full T&Cs

Existing Customers

If you already have an existing eligible policy , you can get 20% off your second new eligible policy .

Login to my account

Current online discount not available in conjunction with this offer. Refer to full T&Cs

For Assistance Call   13 11 55

Substantially Damaged

When your home is substantially damaged by an insured event (meaning the assessed quote to repair or rebuild is at least $50,000 or 10% of your home sum insured, whichever is more). Please refer to PDS for full Details.

Examples of resilience options

Cyclone and storm

 Swap existing materials for more resilient materials (eg tiles instead of carpet)

 Install cyclone washers and roof sarking

 Install cyclone shutters / metal roller blinds / garage door bracing

 Raise external services around the home (eg air conditioning units, hot water systems, pool pump)

 Install metal gutters and metal gutter guards with apertures less than 1.8mm

 Install draught stoppers for windows and doors

 Install roof sprinklers

Other Common Claims

 Replace and install all flexi hoses in the home

 Install solid core doors or upgrade deadlocks

The above are examples only. Resiliency building enhancements will be discussed with eligible customers who meet the claim requirements and will depend on the level of cover they hold.

Full list of insured events

Flood means the covering of normally dry land by water that has escaped or been released from the normal confines of things like a lake, river, reservoir, canal or other natural watercourse.

Actions or movements of the sea or storm surge are not covered. Some things we don't cover are damage to retaining walls, jetties, pontoons and garden borders.

Loss or damage caused by fire (includes bushfire) and heat, ash, soot and smoke that is a direct result of a fire within 100 metres of the insured address.

It doesn’t include arcing, scorching or cigarette burns unless a fire spreads from the initial burn spot.

Pollution or vapour damage by a home heater or cooking appliance is covered if a fire spreads from the initial source.

If there is a bushfire in your area, we also cover the cost of replacing water in any tank, container, pool, spa and any other storage vessel, even if there is no physical damage to your property. The most we will pay is $1,000.

Malicious acts

Malicious acts or vandalism includes things like vandals damaging your letterbox or painting graffiti on your home.

It doesn't include damage caused by someone who lives or is staying at the insured address or who entered the insured address with your consent.

Impact covers damage caused by impact from things like a falling tree, power poles, tv antennas, aircrafts, motor vehicles and even space debris.

It doesn't include damage caused by trees being lopped, felled or transplanted by you or for you.

Storm means a storm, cyclone or severe atmospheric disturbance. It can be accompanied by strong winds, rain, lightning, hail, snow, or dust.

It includes loss or damage caused by a landslide or subsidence within 72 hours of, and directly because of, a storm and not because of erosion, structural fault or design fault.

Theft or burglary occurs when someone enters the insured address without your consent and steals or intends to steal items.

We don't cover loss or damage caused by thieves or burglars entering the insured address from common property without signs of forced entry, or loss or damage caused by anyone living at the address.

Damage by animal

This covers loss or damage caused by an animal that becomes accidentally trapped inside your home.

We don't cover damage caused by any animal you own or are responsible for, or has been allowed onto the insured address, or damage caused by insects, vermin or rodents (unless the damage they caused is covered under fire or escape of liquid).

Riot and civil commotion

An example of a riot, civil commotion or public disturbance event would be damage caused by a violent crowd moving down your street.

It doesn't cover loss or damage caused by someone who had consent to enter the insured address and doesn't cover loss or damage if anyone living at the insured address participated in the disturbance.

We cover loss or damage caused by an explosion but we don't cover the cost of repairing or replacing the container or tank that exploded.

Escape of liquid

This covers damage caused by liquid leaking, overflowing or bursting from things like your fridge, washing machine, bath (but not shower), toilet, fixed pipes (except agricultural pipes), swimming pool, water main, fixed cooling system or an aquarium.

We do not cover the cost of fixing the leak itself, wear, tear and gradual deterioration or loss or damage as a result of a gradual process of liquid leaking, splashing, dripping or overflowing. See the PDS for more details on what we don't cover.

Lightning, including power surges caused by lightning, will be covered providing a qualified repairer gives written confirmation to show lightning as the cause of loss or damage and the Australian Government Bureau of Meteorology has a record of lightning in the area.

Earthquake and tsunami

We cover damage that occurs within the first 72 hours following an earthquake or tsunami.

This includes cover for damage caused by a landslide or subsidence within 72 hours of, and directly because of, an earthquake or tsunami. It doesn't cover damage caused by erosion over time or a structural or design fault.

• Damage by an animal
• Riot, civil commotion or public disturbance
• Earthquake and tsunami ^

# Actions or movements of the sea and loss or damage caused by storm surge (unless the storm surge damage occurs at the same time as damage caused by a storm) are not covered. We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions apply. ^ We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.

Damage from physical injury or incident

We’ll cover you for loss or damage to and /or soiling of your contents as a result of physical assaults or death.

Fatal injury compensation

We’ll make a payment to your estate if you die within 12 months as a direct result of an event we cover occurring that also resulted in a claim for damage to your home being accepted.

Prevention of access when you have home cover

We’ll cover your reasonable temporary accommodation costs if your home becomes inaccessible from an incident such as burst water main (see PDS for full list of incidents).

Removal of debris

We’ll cover the cost to demolish and remove damaged parts of your home and remove debris from your insured address after an insured event.

We’ll cover loss or damage to your home that occurs without intent e.g. losing, breaking or damaging something.

This provides a buffer if the cost of repairing or replacing your home is more than the amount you insured it for. For example, with a 25% Safety Net, if your sum insured is $400,000, we’ll cover you for up to a further $100,000 for a total of $500,000. An extra premium applies if you choose to add this option to your Classic cover, but if you choose Classic Extras or Classic Advantages cover, Safety Net is included automatically.

Prevention of access

Exploratory costs where leak is not covered under insured event ‘Escape of liquid’

We’ll cover your costs to locate the source of liquid escaping or overflowing at the home and to repair and restore the damage to your home caused by exploratory work.

Limits apply - see the PDS for further details.

Security attendance fees

We’ll cover the fees charged by your security provider to respond to your monitored alarm if activated by a break in or attempted break in. Limits, exclusions and conditions apply.

Lock replacement

We’ll cover the costs to replace or recode your home’s external door or window locks if your keys are stolen anywhere in Australia or New Zealand.

Mortgage discharge costs

If we pay a claim for your home to a credit provider that fully repays your home loan we’ll pay the administrative and legal costs of discharging the mortgage or deleting the mortgagee from your home’s land title.

Environmental improvements

We’ll contribute to the costs associated with purchasing and installing environmental improvements such as rainwater tanks, solar systems or compost equipment. Limits, exclusions and conditions apply.

Damage to gardens and plants

We’ll cover the cost to replace trees, shrubs, plants, hedges and garden beds if they have been damaged as a result of an event we cover that also caused damage to your home at the same time for which we have accepted a claim.

Other repair/rebuilding costs

When we rebuild or repair your home we’ll cover extra costs for: the services of professionals such as architects or surveyors; temporary work required to make your home safe; and ensuring the damaged parts of your home comply with current building regulations.

The most we will pay under this cover for any one incident, is the building sum insured, less any amount paid for accidental loss or damage under any other part of your policy for the same incident.

Limits, exclusions and conditions apply.

We’ll cover the cost to demolish and remove damaged parts of your home after an insured event.

Energy costs for loss of supply of renewable energy

If an event that we cover damages your home and we have accepted a claim and your green energy generation equipment is also damaged at the same time we’ll cover the increase in your electricity costs that you incur due to the damage to the green energy generation equipment.

Storage of undamaged contents

We’ll cover the cost of storing undamaged contents after an insured event.

Temporary accommodation costs

We’ll cover temporary accommodation costs if you aren’t able to live in your home due to an event that we cover causing damage to your home and cannot be lived in. Limits, exclusions and conditions apply. 

Personal valuables

You can cover your personal items that you would normally carry with you away from your home, such as jewellery, mobile phones and laptops. Check the PDS for the full list of items and how you can cover them.

Collections, sets and memorabilia

Including stamps, stamp collections, collectors’ pins, medals and collectors’ non-negotiable currency.

Prevention of access when you have contents cover

We’ll cover your reasonable temporary accommodation costs if your home or unit becomes inaccessible from an incident such as a burst water main (see PDS for full list of incidents).

Contents in commercial storage

We’ll extend your contents cover to cover your contents stored in a secure commercial storage facility for loss or damage caused by an event we cover. Limits, exclusions and conditions apply.

Contents temporarily removed

We’ll cover your contents for loss or damage by an event we cover if they are temporarily removed to another residence in Australia in which you are temporarily residing (such as a hotel), or in a bank deposit box and an event occurs at this new location.

Financial transaction card cover

We’ll cover your loss if your credit cards or other financial transaction cards are stolen from the home and used fraudulently. Conditions apply.

Visitors’ contents

We’ll cover loss or damage to contents owned by invited visitors caused by an event we cover. Limits, exclusions and conditions apply.

Food and medication spoilage

We’ll cover spoilage of refrigerated food, frozen food and refrigerated medicines. Limits, exclusions and conditions apply.

Contents in transit

Supplementary living expenses

We’ll cover you for reasonable increases in your normal living expenses to maintain your normal standard of living following an event that we cover if, as a result of the event, your insured address cannot be lived in.

Contents on common property

We’ll cover contents attached to common areas if your contents are insured in a unit.

Extra costs to re-establish important documents

If we accept a claim under your contents cover, we’ll cover your costs to replace documents, such as passports and licences, if they are also lost or damaged as a result of the event that occurred.

We’ll make a payment to your estate if you die within 12 months as a direct result of an event we cover occurring that also resulted in a claim for damage to your contents being accepted.

Paraplegia or quadriplegia assistance

We’ll pay reasonable and necessary costs to modify your home or assist you to relocate to a new residence if you are injured as a direct result of an event that we cover where we have accepted a claim to your home for that event.

We’ll cover the cost to dispose of your damaged contents after an event that we cover.

Temporary accommodation for tenants or strata title owners

We’ll cover temporary accommodation costs if you aren’t able to live at the insured address due to an event that we cover causing damage to the home and cannot be lived in. Limits, exclusions and conditions apply.

If a pet dog or cat shown on your certificate of insurance is injured in an incident, we’ll pay for necessary veterinary treatment (up to $2000 per accident). Extra premium and injury to pet dogs and cats excess will apply.

Covers the burning out or fusing of electric motors that are part of your home and equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges (if you have contents cover). An extra premium applies if you choose to add this to your Classic cover while if you have Classic Extras or Classic Advantages it is automatically included in your cover.

We’ll cover loss or damage to your contents that occurs without intent e.g. losing, breaking or damaging something.

Portable advantages

Cover your:

• contents for accidental loss or damage anywhere in Australia or New Zealand when they are temporarily removed from the insured address (up to 180 consecutive days); or
• jewellery and watches when they are outside Australia and New Zealand for up to 100 consecutive days (but only when worn by you or secured in a safe).

We don’t offer this feature online – call us on  13 11 55  to find out more. Extra premium applies.

Cover for personal valuables you would normally carry with you away from your home, such as jewellery, mobile phones and laptops. Check the PDS for the full list of items and how you can cover them.

Legal liability

If you have property cover we’ll cover your legal liability to pay compensation for death or bodily injury to other people; or loss or damage to their property resulting from an incident in connection with you owning the property and which happens at the insured address.

Accidental damage at the property

We’ll cover loss or damage to your property or contents that occurs without intent e.g. losing, breaking or damaging something. Conditions apply.

Covers the burning out or fusing of electric motors that are part of your household equipment or appliance which are part of your contents and where the motor is equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges. An extra premium applies if you choose to add this option to your cover. This optional cover has its own excess, and the standard excess does not apply.

Safety net protection

If the cost to repair or replace your property is more than the sum insured you nominated by having this option on your policy we will pay an additional percentage of your property sum insured to repair or replace your property or pay you what it would have cost us to do this.

We will cover loss or damage that occurs without intent (i.e. losing, breaking or damaging something)

Net cost is the amount you spend after deducting any government subsidy to which you are entitled to at the date of the loss, whether you claim this subsidy or not. You must supply us with proof of the amount you spent before we will pay you.

Accidental Glass Breakage

When you have home cover, this covers things like fixed glass in windows, doors, skylights, shower-bath combos, toilets, basins, baths and the glass that forms part of a fixed cooking or heating appliance.

This doesn’t cover loss or damage caused by the broken items.

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Suncorp Insurance Home Assist does not cover general maintenance, such as the provision or replacement of windows, doors, glass, tiles, carpets and of fittings and fixtures. Other exclusions apply — Read the Suncorp Insurance Home Assist  Terms & Conditions .

Suncorp Insurance Home Assist does not cover preventative services, such as the removal of property, rubbish or debris. Read the Suncorp Insurance Home Assist  Terms & Conditions .

Suncorp Insurance Home Assist is not an emergency rescue or disaster response service. Read the Suncorp Insurance Home Assist  Terms & Conditions to find out more.

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Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct). General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Product you must read the relevant Product Disclosure Statement . The Target Market Determination (TMD)  for the product is also available.

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Home insurance cover notes – where have they gone.

If you’re a first home buyer and your parents are guiding you through the process, they might have mentioned the importance of a home insurance cover note. But if your parents – or whoever is advising you – haven’t purchased a property recently, they may not have noticed that home insurance cover notes aren’t as prevalent as they once were.

Here, we investigate where home insurance cover notes have gone and what buyers should be doing instead.

What is an insurance cover note?

Can i get a home insurance cover note online.

• Can I get one at all anymore?
• What should buyers do?

A home insurance cover note is a form of temporary insurance. Cover notes used to be common and were offered by most insurance companies when you applied for a home insurance product. The cover note meant that you were covered by this temporary policy until you were issued with a full policy by the insurer.

Policy owners sometimes used the period of the cover note for peace of mind while shopping around for a better deal, which often meant that the provider of the cover note missed out on the full policy and premium.

Recently we were informed by real estate agents that insurance companies are not offering cover notes and that trying to obtain a cover note prior to settlement by a purchaser is no longer the norm.

It seems that cover notes have been replaced by a cooling-off period when you take out a home insurance policy. The cooling-off period means the purchaser of the policy can cancel with a full refund of their premium within a specified time frame.

So I can’t get a cover note for house insurance at all now?

We contacted four insurers and one insurance broker to confirm the latest position of suppliers. All insurers stated that they do not issue home and/or contents insurance cover notes but rather provide a full policy to the client. The client is charged full payment for that policy with the opportunity to cool off up to 21 days following payment.

Others provide the same cooling off period of 21 days but additionally allow the client 14 days to make the payment. This effectively provides them with 5 weeks from policy issue to potential cancelation because the 21-day cooling-off period begins when payment has been made.

So, what should buyers do?

In South Australia, most contracts state that the property is at the risk of the buyer from the moment the contract is signed. This means that if the property is damaged between the contract date and settlement, even if it’s accidental damage, the purchaser cannot pull out of the contract and must buy the damaged property (with no reduction in price). Instead, it is likely that the purchaser’s insurer will cover the repairs for the damage. An exception to this is if the property is damaged by the seller on purpose or by them not taking action to stop the damage.

It is also important for a buyer to be insured for public liability in case a tenant or occupant of the property is injured between the contract date and settlement. Even though the seller will usually still have an insurance policy in place until settlement, we strongly advise that the purchaser take out insurance so that they can make a claim in the event that something goes wrong.

In fact, our conveyancers ‘ general advice to all of our purchaser clients is to take out cover immediately when they sign a contract to buy a property – even before cooling off has expired in the case of a private treaty sale. With the very generous cooling off provisions, there is simply no reason not to.

If you have any questions, don’t hesitate to contact the experience team at Eckermann Conveyancers on 08 8366 7900.

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• Home Insurance

Do I need home insurance before settlement?

When purchasing a property, there are a number of things to keep track of, and amid all the organising, you may well be asking yourself, do I need home insurance before settlement day? We take a look.

Home insurance covers the cost of repairing or replacing your house against the unexpected, but it’s important for other reasons as well. In fact, when you are purchasing a property, it may well be that your lender requires you to have it. If you’re in the property purchasing process, you may want to know – do I need home insurance before settlement, and when does damage to the property become my responsibility?

• Do you need home insurance before settlement?

It is not a legal requirement to have insurance when buying a house, but you may want to purchase it for your peace of mind, or at your lender’s request. Your lawyer or conveyancer may recommend that you take out insurance when you exchange signed copies of the contract with the seller. Even if the seller’s insurance covers the property until settlement, this might still be worth doing to protect your interests and in case the seller does not have adequate insurance in place.

If you have a home loan, it may also be a condition of your loan that you take out home insurance. For example, your lender may require you to take out building insurance that is effective from the date you sign the contract or before the loan becomes unconditional. Check with your home loan provider to see if this applies to you and from what point your home needs to be insured.

Canstar may earn a fee for referrals from its website tables, and from Sponsorship or Promotion of certain products. Fees payable by product providers for referrals and Sponsorship or Promotion may vary between providers, website position, and revenue model. Sponsorship or Promotion fees may be higher than referral fees. Sponsored or Promotion products are clearly disclosed as such on website pages. They may appear in a number of areas of the website such as in comparison tables, on hub pages and in articles. Sponsored or Promotion products may be displayed in a fixed position in a table, regardless of the product’s rating, price or other attributes. The table position of a Sponsored or Promoted product does not indicate any ranking or rating by Canstar. For more information please see How We Get Paid .

If you are buying a strata title apartment, you typically will not need to purchase building insurance as it will be covered by residential strata insurance. The cost of this cover is usually included in your building levies. However, you may still want to take out contents insurance to cover your belongings.

• When do you become responsible for damage to a property?

The point at which a home buyer becomes responsible for damage to a property can vary depending on which state or territory you live in and your particular contract of sale. Each state has its own standard position as to when the risk of damage to the property normally passes from the seller to the buyer.

In most parts of the country, this will either be when the buyer and seller exchange signed contracts or at settlement. Settlement is when ownership of the property transfers from the seller to the buyer and the buyer pays the balance of the sale price. Here are the standard positions at which you will typically need to take out insurance around Australia:

• In the Australian Capital Territory , the buyer is responsible for damage to the property as soon as contracts are exchanged.
• In New South Wales , the buyer is responsible for damage to the property on settlement.
• In the Northern Territory , the buyer is responsible for damage to the property on either the date the whole purchase price is paid or the date the buyer is entitled to or is given possession of the property (whichever comes first).
• In Queensland , the buyer is responsible for damage to the property from 5pm the next business day after the contract date (this is before settlement).
• In South Australia , the buyer is responsible for damage to the property as soon as contracts are exchanged.
• In Tasmania , the buyer is responsible for damage to the property as soon contracts are exchanged.
• In Victoria , the buyer is responsible for damage to the property on settlement.
• In Western Australia , the buyer is responsible for damage to the property on either the date the whole purchase price is paid or the date the buyer is entitled to or is given possession of the property (whichever comes first).

Your contract of sale may be different to this and may pass the risk to you (the buyer) at a different time. It’s important to check your contract and speak to your solicitor or conveyancer to see what applies to you.

• What does home insurance cover?

Home insurance covers your home if it is damaged or destroyed due to an ‘insured event’. Cover will vary between insurers, but it generally covers events such as:

• Impact damage (such as from a car or a falling tree)
• Escape of water (such as from a burst pipe)
• Vandalism and riot

In addition to this, insurers may offer benefits such as legal liability cover (covers your liability to pay compensation if someone is injured or their property is damaged at your home) and temporary accommodation (if your property becomes unlivable because of an insured event).

If you’re thinking about taking out home and/or contents insurance, you can compare a range of policies with Canstar .

• What types of home insurance are there?

Generally speaking, when taking out home insurance, you may have the option of taking out either a ‘sum-insured’ or a ‘total replacement’ home insurance policy. Sum-insured cover is when you provide an estimate of how much it would cost to rebuild your home if it was totally destroyed, whereas total replacement cover insures you for the total cost of repairing or rebuilding your home to the same standard. According to Moneysmart, not many insurers in Australia offer total replacement cover and it is typically more expensive.

• What is home and contents insurance?

The phrase ‘home and contents’ insurance refers to two different types of insurance that are commonly bundled up together. While home insurance covers the structure of your home, contents insurance can be taken out to cover your personal possessions, which can be anything from clothing or electronics to carpets in your home.

It is possible to purchase either home or contents insurance separately, but many insurance providers sell them together, and may offer a discount if you take out combined cover. While contents insurance is optional, taking it out may provide you with peace of mind that your belongings are covered in the event of loss or damage.

• How are home insurance premiums calculated?

According to QBE Insurance, factors affecting your home insurance premiums can include:

• Your home itself, and factors including its age, construction materials and location
• The sum insured value, which will increase premiums the higher it is
• The value of your contents, if you also have contents insurance
• The people in your household, including their ages and claims history
• The excess you have nominated, which will increase premiums the lower it is
• Whether you have combined insurance or just home or contents insurance
• Does the location of your home affect your home insurance policy?

The area in which your home is located can have an impact on the cost of your home insurance premiums. If you live in an area that is prone to natural disasters or flooding, or is known for high crime rates, insurance providers are likely to take this into account when calculating your premiums, making them more expensive.

Cover image source: fizkes/Shutterstock.com

Thanks for visiting Canstar, Australia’s biggest financial comparison site*

This article was reviewed by our Editor-in-Chief Nina Rinella before it was updated, as part of our fact-checking process .

Alasdair Duncan is a Senior Finance Journalist at Canstar, specialising in home loans, property and lifestyle topics. He has written more than 400 articles for Canstar and his work is widely referenced by other publishers and media outlets, including  Yahoo Finance ,  The New Daily ,  The Motley Fool  and  Sky News . He has featured as a guest author for property website  homely.com.au .

In his more than 15 years working in the media, Alasdair has written for a broad range of publications. Before joining Canstar, he was a  News Editor at  Pedestrian.TV , part of Australia’s leading youth media group. His work has also appeared on  ABC News , Junkee, Rolling Stone, Kotaku, the Sydney Star Observer and The Brag. He has a Bachelor of Laws (Honours) and a Bachelor of Arts with a major in Journalism from the  University of Queensland .

When he is not writing about finance for Canstar, Alasdair can probably be found at the beach with his two dogs or listening to podcasts about pop music. You can follow Alasdair on  LinkedIn  and  Twitter .

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Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general advice is right for your personal circumstances. You may need advice from a qualified adviser. Canstar is not providing a recommendation for your individual circumstances. If you decide to apply for an insurance policy, you will deal directly with the provider, not with Canstar. Canstar does not compare every provider in the market and we may not compare all features relevant to you. Any rating shown is only one factor to take into account when considering products.

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If you are seeking to replace an insurance policy, you should consider your personal circumstances, including continuing the existing cover until the replacement policy is issued and cover confirmed. Your current policy may have different features to products currently on the market. Please consider what features are right for you when comparing insurance products and refer to the provider for further details on a policy.

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Any product inclusions mentioned represent a selection of what is covered at the time of writing. Additional terms and conditions may apply to different features. Additional fees may apply to the product. Premiums, product information and inclusions should be confirmed with the relevant insurance provider.

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Home and contents insurance

Make sure you find out when you become responsible for insuring your new home. Talk to your agent or solicitor .

In most cases, you will become responsible for the property from 5pm the next business day after the contract date—this is before settlement day .

You must decide for yourself whether to take out home insurance. However, not having home insurance is very risky. Home insurance will cover you for loss or damages to the building and its fixtures. You should also consider taking out contents insurance.

If you have a mortgage , your lender can insist that you take out home insurance.

If you buy into a community titles scheme , you still need to insure your own property and contents. The body corporate will usually have to take out insurance for any common property.

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Time to renew your WorkCover accident insurance policy

By WorkCover Queensland

1 July 2024

If you have an accident insurance policy with WorkCover Queensland, which covers your business for work-related injuries to your workers, it's time to renew.

• Renewal due date: 31 August 2024
• Early payment discount: Pay in full by 16 September to receive a discount**

What you need to do

You must declare your wages information to us by 31 August 2024, so we can calculate your 2024-25 premium.

Use our Declaration of wages guide for assistance, or follow the step-by-step help when renewing online .

Make sure to renew on time to take full advantage of flexible payment options *, including:

• interest-free monthly payment plans with deductions occurring on the date of your choice*
• a discount** if you pay your premium in full by 16 September.

*Some discounts and payment options, including the apprentice discount, will not be available if you do not declare your wages by 31 August 2024.

**Discounted premium price cannot go below $200.

Interim Certificate of Insurance

You will have received an Interim Certificate of Insurance via email, covering you from 1 July 2024 to 30 September 2024.

If you don’t receive electronic communications from us or need another copy, download it anytime:

• Login to WorkCover Connect
• Go to Insurance > Certificate of Currency

Full coverage requirements

To be covered for the full 12 months (until 30 June 2025) and receive your full Certificate of Currency, you must pay your premium or commit to a payment plan.

Save time - renew online!

• Renew and declare your wages easily online. Set up a WorkCover Connect account for your business here .
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• Understand the factors influencing your premium calculation

Make sure to renew on time to take full advantage of our flexible payment options and discounts. For more details, visit our website or contact us directly.

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