Home Insurance
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Your home, and everything in it, is probably worth the world to you, so it makes sense to get home insurance. HBA offers three different levels of home insurance: Accidental Damage Cover, Listed Events Cover and Essentials Cover. You can choose to take out building insurance alone, take out contents insurance or get cover for both your house and contents.
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Accidental Damage Cover
Protect yourself with the highest level of home insurance. You'll receive building and contents cover for all listed events such as fire, theft, storm and water damage, plus accidental damage or loss.
 | More about Accidental Damage Cover |
Listed Events Cover
Get building and contents insurance against listed events such as fire, theft, storm and water damage. Plus, we'll pay for you to live elsewhere for up to 12 months if the unexpected happens and your home is uninhabitable.
| More about Listed Events Cover |
Essentials Cover
A budget-friendly option that provides building and contents cover for the basics: events including fire, hail, storm damage, explosion and burglary.
| More about Essentials Cover |
Building cover at a glance
| Home (Building) Insurance | Accidental Damage Cover | Listed Events Cover | Essentials Cover |
| Covered events - fire, storm, burglary etc. | Yes | Yes | Yes |
| Alternative accommodation | Yes | Yes | Yes |
| Accidental damage and loss | Yes | ||
| Accidental breakage of fixed glass | Yes | Yes | Yes |
| Electrical motor burnout | Yes Up to 15 years old |
Yes Up to 15 years old |
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| Replacement of key locks if key stolen | Yes No limit |
Yes Up to $1,000 |
Yes Up to $500 |
| Fences, gates, walls and fixtures not attached to your home | Yes Limits apply |
Yes Limits apply |
Yes Limits apply |
| New-for-old cover | Yes | Yes | Yes Limits apply |
| Demolition and removal of debris | Yes | Yes | Yes |
| Architects, surveyors and legal fees | Yes | Yes | Yes |
| Loss of rent for standard events (for tenanted properties) | Yes | Yes | Yes |
| $20 million liability | Yes | Yes | Yes |
Contents Cover at a glance
| Contents Cover | Accidental Damage Cover | Listed Events Cover | Essentials Cover |
| New for old cover | Yes | Yes | Yes Limits apply |
| Accidental damage and loss | Yes | ||
| Valuable items cover (Jewellery, watches, furs, gold, silver, collections) |
Covered to $7,500 or 20% of your contents sum insured, whichever is higher. | Covered to $5,000 or 20% of your contents sum insured, whichever is higher. | Valuables automatically covered to $2,000. |
| Valuable item limits (extra cover is available) | $2,500 per item/set. Coverage anywhere in Australia and New Zealand. | $2,500 per item/set. Coverage within the home. | $1,250 per item/set. Coverage within the home. |
| CDs, DVDs, game cartridges and antiques | Yes Up to $20,000 |
Yes Up to $20,000 |
Yes Up to $20,000 |
| Credit card misuse | Yes Up to $5,000 |
Yes Up to $5,000 |
Yes Up to $500 |
| Fusion - electrical motor burnout (for items up to 15 years old) | Yes | Yes | |
| 14 days cover at both addresses - if you're moving house | Yes | Yes | |
| $20 million liability | Yes | Yes | Yes |
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Back to Travel, Home and Car |
Insurance issued by Mutual Community General Insurance (MCGI) Pty Ltd ABN 59 007 895 543. AFSL 237634. This is general advice only and does not take into account your individual objectives, financial situation or needs. A product disclosure statement is available by calling 131 243 and should be considered before making any decision about these products. BUPA Australia Health Pty Ltd ABN 50 003 098 655 (trading as HBA) is an Authorised Representative of MCGI.
