Affordable Home & Contents Insurance

Insure your home or contents for peace of mind, and if you insure both you’ll be rewarded with a joint policy discount. A CUNA Mutual Home and/or Contents Insurance policy will enable you to repair or replace your home and its contents in the event it is damaged or destroyed by a defined event as set out in our policy wording. These may include:

• Fire
• Explosion
• Lightning or thunderbolt
• Earthquake
• Theft
• Vandalism
• Collision
• Water or other liquid
• Falling trees, branches or aerials
• Damage by animals
• Storm, rain or flash flood

Helpful advice: Other home benefits you are entitled to

• $20,000,000 legal liability cover should someone injure themselves in your home and hold you liable.
• Fusion cover for the repair of electric motors.
• Cover for accommodation costs or loss of rent should you or your tenants be unable to live in the home as a result of damage caused by a defined event.

Before insuring your home, carefully consider its replacement cost. This is the cost to rebuild your home to the same size and specifications of your existing home in the event it is destroyed or damaged.

Helpful advice: Other contents benefits you are entitled to

• Fusion cover for the repair of electric motors.
• Loss of frozen food as a result of failure of the electrical supply or mechanical breakdown.
• Reimbursement for the fraudulent use of lost or stolen credit cards.
• Replacement of external door locks in the event your keys are stolen or you have been broken into.

Ensure you are adequately covered - check the value of your contents! The
easy-to-use Contents Insurance Checklist can assist you determine the value of your contents.

Helpful Tips: Information you need when obtaining a quote

• The postcode and suburb of the home to be insured
• The construction type and age of the home
• How much you would like to insure the home for
• Any previous claims you may have lodged

Landlords Insurance

If you own a residential investment property ask about the Landlords insurance with options to cover:

• Building
• Chattels, such as carpets, curtains, fixtures & fittings
• Theft and vandalism by tenants
• Loss of rent

Helpful Tips: Proof of ownership

It is important that your retain documentation of all your contents and valuables as proof of ownership in the event of a claim:

• Receipts, valuations, instruction manuals, guarantee certificates and catalogues
• Records of the make, model and serial numbers of all your high risk items
• Photographs or video footage of the items in your home

Wish to apply for Home and Contents Insurance or do you have any questions?

The information contained on this site is preliminary or general information and general advice only and limits and exclusions may apply. It has not taken into account your objectives, financial situation or needs. Before making a decision to purchase general insurance you should consider the appropriateness of the general information and advice on this website in that light. Before making a decision on taking out insurance you should obtain and read the applicable CUNA Mutual Group Product Disclosure Statement (PDS).