Get cover for your home buildings and your contents by combining buildings and contents covers on the one policy.
Fire7 & smoke.
Water or other liquid damage.
Theft or burglary.
Explosion.
Accidental breakage of glass or ceramic items.
Impact damage.
Vandalism or malicious damage.
Lightning.
Earthquake8 or tsunami8.
Flood and/or run-of7
For full details of terms, conditions, limits, and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement any supplementary PDS and Home Buildings or Home Contents Key Fact Sheets.
The accidental damage cover option helps insure you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents.
You can choose optional cover to insure your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance. Some portable contents must be specified as Listed portable contents with the full replacement value to be covered away from the home.
The motor burnout option covers you if an electrical current damages your household electrical motors that are less than 10 years old. This cover is automatically included if you have taken optional Accidental Damage cover.
Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS.
If you take both building and contents insurance here’s how they can work together if the unexpected occurs:
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Your house burns down. You could lose all your buildings, and everything in them. With adequate sums insured under buildings and contents covers, you could rebuild and replace your insured belongings. |
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A thief smashes your window, breaks the lock and steals your belongings. You can fix the window and lock through your buildings cover and replace the items that were stolen under your contents cover. |
Plus, you will only have to pay the applicable excess(es) once in respect of any single claim if your buildings and contents are damaged by the same insured event.
Here is a limited summary of the benefits of a building and contents insurance policy. For full details, of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before deciding to purchase the insurance. The Home Buildings and Home Contents Key Fact Sheets (KFS) also sets out some information about the cover.
| Inclusion | Description | Included |
|---|---|---|
| Rebuilding and professional fees | If you need to rebuild your home after total loss or damage, COTA Home and Contents Insurance will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000. |
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| Cover for the unexpected | COTA Home and Contents Insurance offers cover for out of the ordinary but devastating events such as fire7 including bushfire7 and grassfire7, earthquake8 and burglary. |
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| Cover for storm damage | Covers loss or damage caused by storm, cyclone7, or rainwater but this does not include run-off. |
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| Cover for flood and/or run-off | Covers loss or damage caused by flood7, run-off, flood water7 combined with run-off and/or rainwater. |
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| Making your buildings environmentally friendly | If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, COTA Home and Contents Insurance will pay up to $5,000 (after deduction of any government or council rebates) to help you make the new buildings more environmentally friendly. |
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| Alternative accommodation for you and your pets | If your Building or Contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, COTA Home and Contents Insurance will pay the additional costs for temporary accommodation based on your building’s rentable value prior to the damage, up to 10% of the building or contents sum insured (as applicable) and up to $500 for temporary accommodation for your pets in a commercial boarding establishment. This benefit applies up to a maximum of 12 months. |
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| Replacement locks | COTA Home and Contents Insurance will cover the cost, up to $1,000, to replace the locks or cylinders of any external door or window following an actual or attempted theft or burglary if the key is stolen. |
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| Vandalism or malicious damage | COTA Home and Contents Insurance will cover you for loss or damage caused by vandalism or a malicious act. |
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| Debris removal | In addition to your buildings and/or contents sum insured, COTA Home and Contents Insurance will pay up to 10% of your building and/or contents sum insured for the removal of debris from the damaged or destroyed part of the buildings. |
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| Legal liability | COTA Home and Contents Insurance will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property caused by an accident (or series of accidents). |
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| 24/7 claims assistance | When you need to make a claim Allianz are there for you with 24 hour claims lodgement available online, or you can call the claims team to commence the claims process over the phone. |
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| Cover when you’re moving house | COTA Home and Contents Insurance will cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst contents are in transit (unless you have Accidental damage cover). |
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| Inclusion | Description | Included |
|---|---|---|
| Accidental damage | The accidental damage cover option helps insure you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents. | Optional |
| Portable contents | You can choose optional cover to insure your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance. Some portable contents must be specified as Listed portable contents with the full replacement value to be covered away from the home. | Optional |
| Motor burnout | The Motor burnout option covers you if an electrical current damages your household electrical motors that are less than 10 years old. This cover is automatically included if you have taken optional Accidental Damage cover. |
Optional |
| Domestic workers’ compensation cover | Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS. | Optional |
Buildings – what’s covered
Buildings insurance is designed to insure the physical structures and fixtures that make up your home buildings: from the house itself, to your garage, fences and paved driveways – even built-in appliances like hot water systems, air-conditioners and more.
Contents – what’s covered
Contents insurance insures the belongings you have at the insured address from your furniture, carpet and appliances and even your BBQ.
So, if any of the insured events happen during the period of insurance, we’ll generally pay to repair or replace your contents – up to the policy limits.
It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself. Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) – so you should also be careful not to over insure. That’s why we’ve provided these calculators. They work as guides to help you estimate the replacement value of your home building and contents.
Combined Building & Contents Discount
Combine your building and contents cover to receive up to 10% discount on your premium2,4
No Claim Bonus
You may qualify for up to 30% No Claim Bonus3,4
Increase your excess
Option to increase your excess which may reduce your premium5
Do what you reasonably can to prevent any further loss, damage, or liability.
Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, or burglary.
Start your home insurance claim online 24/7
Complete the secure online claim form, and a friendly claims representative will contact you as soon as possible to discuss the next steps.
Alternatively, you can contact the Claims Call Centre on 1300 651 777 to submit your claim.
The claims consultant will help you through the building and contents insurance claims process.
We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the relevant Home Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Buildings or Home Contents Key Fact Sheet/s also available for reference.
Flood cover is a Standard inclusion for all Home and Contents Insurance policies that start from 14 January 2025.
For Home and Contents Insurance policies starting before 14 January, flood cover was optional. If you’re a renewing customer, you may be able to continue without flood cover if:
You previously opted out and met certain flood risk criteria,
We weren’t able to offer you flood cover,
We’ve agreed you can opt-out of flood cover as standard.
For full details of terms, conditions, limits, and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement any supplementary PDS and Home Buildings or Home Contents Key Fact Sheets.
If you are altering the security on your property you should inform us as it may change the conditions of your home insurance. This may affect your premium.
You must tell Allianz as soon as reasonably possible if, during the period of insurance you remove or stop using any security devices that were specifically required by us. If you don’t provide the information as soon as reasonably possible, Allianz may reduce or refuse a claim in whole or in part under the policy to the extent Allianz are prejudiced by the delay or non-disclosure.
When Allianz receive this information, Allianz may:
Accidental Damage is optional and provides cover in the event of damage caused by unexpected mishaps that are caused unintentionally, not just the specified insured events.
If you have Contents cover and take this option, the sort of mishaps you’ll be covered for include when you spill red wine on the carpet or lounge.
COTA Insurance will extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).
You should tell Allianz 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 buildings costing more than $75,000. If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent Allianz are prejudiced by the delay or the non-disclosure.
When Allianz receive this information, Allianz may:
It is also important that you increase your sum insured to take into account any extensions or renovations to make sure you are adequately covered in the event of a home insurance claim.
You must tell Allianz as soon as reasonably possible if, during the period of insurance you start using any part of your home building for business, trade or professional purposes (except for a home office).
If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent Allianz are prejudiced by the delay or the non-disclosure.
When Allianz receive this information, Allianz may:
If you’re renting your entire home out to tenants, cover is not available under a Home and Contents Insurance policy you may need to consider Landlord Insurance, you can find out more here. If you rent out part of your home while you live at the same address, please contact us so we can determine if you are eligible for this product.
Drones, drone accessories, and other remotely or autonomously piloted aircraft used for personal use are covered if lost or stolen within your property. They are not covered when in use, used for business or when they are not at the insured address.
Yes you can cover these under the portable contents optional cover as Unlisted portable contents. However, these items excluding bicycles will not be covered while they are being used. Bicycles will not be covered when being used for racing, pace making or in competition.
You can cover laptops, tablets, mobile phones, smart watches and other wearable technology away from the home under the portable contents optional cover. These items must be specified on your policy as Listed portable contents to be covered under this option. Allianz will not cover cracked glass or screens where this is the only damage to the item.
You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting COTA Insurance on 1300 1300 50. If you’re not sure whether you have added these cover options, you can check your policy schedule.
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