Home insurance
Benefits
Save on premiums
Get a discount of up to 15% when you combine Building and Contents Cover.
1
Protect your home
Gap Cover of up to 25% on top of your sum insured. ? If your sum insured is not sufficient to cover your loss, we will pay up to a further 25% on top of the sum insured stated on your Certificate of Insurance towards the cost of repairing, rebuilding or replacing your building and/or contents.
Flexible payments
Pay by the month for no additional premium.
Which home insurance is right for you?
-
Home owner
I own my home and want to insure the building and/or contents and/or portable contents. -
Landlord or property investor
I own an investment property and want to insure the building and/or contents. -
Renter
I'm renting and I want to insure my contents and/or portable contents.
Home insurance options
Building
- alternative accommodation costs
- emergency work and temporary repairs
- storage fees.
Contents
- contents in transit
- domestic pet cover
- visitors' property.
Portable contents
Cover those items which you may wear or take away from home in the event of theft, accidental loss or damage anywhere in Australia and New Zealand. If you’re travelling, those items are covered worldwide for the first 30 days of your trip.
- Choose between Packaged and Customised Cover, or a combination of both. This can be chosen as part of the Residential Home Package or as a standalone policy
- Packaged Cover is designed to cover items that are worth up to $1,000, without you having to tell us about them upfront
- Customised Cover provides cover both at and away from the home. It is designed to cover items like engagement rings, designer watches and cameras for their replacement value.
Building
- loss of rent
- emergency work and temporary repairs
- damage by emergency services.
Contents
- contents in transit
- moving within Australia
- temporary removal of your contents.
Features
| What's included | Building | Contents |
|---|---|---|
| Alternative accommodation costs | Yes | Yes |
| Contents in transit | No | Yes |
| Damage by emergency services | Yes | Yes |
| Demolition and debris removal costs | Yes | Yes |
| Domestic pet cover | Yes | Yes |
| Emergency work and temporary repairs | Yes | Yes |
| Mortgage discharge | Yes | Yes 2 Strata Titled properties only. |
| Moving within Australia | No | Yes |
| Storage fees | Yes | Yes |
| Temporary removal of your contents | No | Yes |
| Visitors' property | No | Yes |
| What's included | Building | Contents |
|---|---|---|
| Contents in transit | No | Yes |
| Damage by emergency services | Yes | Yes |
| Demolition and debris removal | Yes | Yes |
| Emergency work and temporary repairs | Yes | Yes |
| Loss of rent | Yes | Yes 2 Strata Titled properties only. |
| Mortgage discharge | Yes | Yes 2 Strata Titled properties only. |
| Moving within Australia | No | Yes |
| Storage fees | Yes | Yes |
| Temporary removal of your contents | No | Yes |
| What's included | Contents |
|---|---|
| Alternative accommodation costs | Yes |
| Contents in transit | Yes |
| Damage by emergency services | Yes |
| Demolition and debris removal costs | Yes |
| Domestic pet cover | Yes |
| Emergency work and temporary repairs | Yes |
| Moving within Australia | Yes |
| Temporary removal of your contents | Yes |
| Visitors' property | Yes |
- CommInsure Home Insurance Product Disclosure Statement (PDF) – policies purchased on or after 10 April 2022 and renewing on or after 22 May 2022
- CommInsure Home Insurance Product Disclosure Statement (PDF) – policies purchased and/or renewing on or after 17 November 2021
- CommInsure Home Insurance Product Disclosure Statement (PDF) – policies purchased and/or renewing on or after 5 October 2021
- CommInsure Home Insurance Product Disclosure Statement (PDF) – policies purchased and/or renewing on or after 5 April 2021
- CommInsure Home Insurance Premium, Excess and Discount Guide (PDF) – policies purchased on or after 10 April 2022 and renewing on or after 22 May 2022
- CommInsure Home Insurance Premium, Excess and Discount Guide (PDF) – policies purchased and/or renewing on or after 17 November 2021
- CommInsure Home Insurance Premium, Excess and Discount Guide (PDF) – policies purchased and/or renewing on or after 5 April 2021
- CommInsure Home Premium Excess and Discount Guide (PDF) – this guide applies to:
- policies purchased online on or after 10 November 2019 or renewing on or after 29 March 2020, and
- all other policies purchased on or after 10 November 2019 or renewing on or after 22 December 2019
- CommInsure Home Premium Excess and Discount Guide (PDF) – policies purchased on or after 1 July 2019 and policies renewed after 31 July 2019
- CommInsure Home Premium Excess and Discount Guide (PDF) – policies purchased on or after 17 November 2018 and policies renewed after 15 December 2018
- Key Facts Sheet - Contents (PDF) – policies purchased and/or renewing on or after 5 April 2021
- Key Facts Sheet - Contents (PDF) – policies commencing 25 August 2015 and renewing on or after 6 October 2015
- Key Facts Sheet - Contents (PDF) – policies commencing on or after 14 March 2015
- Key Facts Sheet - Building (PDF) – policies commencing or renewing on or after 5 April 2021
- Key Facts Sheet - Building (PDF) – policies commencing or renewing before 5 April 2021
Get a quote
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Make a claim
Fill in your claim details and CommInsure will contact you.
Support
- If you purchase combined Residential Building and Contents Cover, a discount of up to 15% will be applied to your basic premium. If you purchase combined Investment Building and Contents Cover, a discount of up to 10% will be applied to your basic premium.
This discount applies to new policies purchased on or after 10 November 2019, policies purchased online and renewing on or after 29 March 2020 and all other policies renewing on or after 22 December 2019.
These discounts cannot be used in conjunction with any other discount (other than those listed in the relevant Product Disclosure Statement or any Supplementary Product Disclosure Statement) or in conjunction with any other promotional offer, unless we have advised in the promotional offer that this discount will apply. We may remove or change this discount effective from the renewal date. This discount cannot be backdated. Minimum premiums may come into force and reduce the extent to which discounts are applied.
- Strata Titled properties only.
Visit Canstar’s Home & Contents Insurance Star Ratings report for details of CommInsure’s awards.
This insurance is issued by Commonwealth Insurance Limited ABN 96 067 524 216/AFSL 235030 (CIL). CommInsure is a registered business name of CIL. CIL is a wholly owned non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124/AFSL 234945 (the Bank) and is the insurer for the CommInsure Home Insurance policy. The Bank and its related entities are jointly referred to as the Group. Bankwest, a division of the Bank, is a distributor of CIL’s insurance products. In the ACT, TAS and WA, CIL offers Domestic Workers’ Compensation Cover as an agent for Allianz Australia Insurance Limited ABN 15 000 122 850 (Allianz). The Group (other than CIL) does not guarantee the obligations or performance of CIL or Allianz or the products they offer. CIL does not guarantee the obligations or performance of Allianz or the products it offers.
CommInsure is a signatory to the General Insurance Code of Practice. To read about the code visit the website www.codeofpractice.com.au.
This information is provided by CIL and has been prepared without considering your objectives, financial situation or needs. Before acting on this information you should consider the appropriateness of the product with regards to your personal circumstances. You can download a Product Disclosure Statement (PDS) and Financial Services Guide (FSG) by clicking on the links, at any store or by calling 13 17 19 for a paper copy and should be considered before making any decision about these products. Bankwest will receive a commission payment of up to 20% of the premium for arranging a policy sale. To find out how we manage your personal information, please see our privacy policy.