Recommended products Results for paid members only
Recommended
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CHOICE Expert Rating
Members only
Cover score
Members only
Price score
Members only
Customer satisfaction
51%
Claims satisfaction
54%
Description
Insurer
CBA
Policy
Building and Contents Cover Classic
Provider
Hollard Insurance Partners Limited
About the insurer
CBA
Cover summary
Building cover
Nominate a sum insured for your building
Contents cover
Nominate a sum insured for your contents
Legal liability
u0026#149; Up to $20 millionu003cbru003eu0026#149; Cover for people named on the policyu003cbru003eu0026#149; Cover for incidents in Australia
Cost
Same price to pay monthly
1
ACT price comparison
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NSW price comparison
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NT price comparison
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North Queensland price comparison
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South Queensland price comparison
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SA price comparison
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Tasmania price comparison
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Victoria price comparison
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WA price comparison
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Covered events
Theft
u0026#149; Covers theft and attempted theftu003cbru003eu0026#149; No cover for theft if home is not sufficiently furnished for normal residential purposesu003cbru003eu0026#149; No cover for theft by residents or someone at address with resident's consent
Fire
u0026#149; Covers fire, bushfire and explosionu003cbru003eu0026#149; Accidental damage option covers any process involving the application of heat where there is no flameu003cbru003eu0026#149; 72 hour waiting period for bushfire
Flood
u0026#149; Coveredu003cbru003eu0026#149; Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage or expansion, but must occur within 168 hours of floodu003cbru003eu0026#149; Flood excess: greater of $500 or your basic excessu003cbru003eu0026#149; No cover for damage caused by hydrostatic pressure, hydrodynamic pressure, water that has seeped or percolated into your building, gradual deterioration or wear and tearu003cbru003eu0026#149; No cover for cracking of paths, driveways or outdoor surfacesu003cbru003eu0026#149; No cover for damage to external paintwork, if that is the only damage to that part of the buildingu003cbru003eu0026#149; Covers external shade cloths and sails up to 5 years oldu003cbru003eu0026#149; No cover for plants, trees, lawns or artificial grassu003cbru003eu0026#149; No cover for swimming pool or spa covers, or vinyl swimming pool linersu003cbru003eu0026#149; No cover for retaining or freestanding outdoor wallsu003cbru003eu0026#149; No cover for fences and gates that are not structurally sound or well-maintainedu003cbru003eu0026#149; No cover for loose or compacted surfaces of paths and drivewaysu003cbru003eu0026#149; No cover for sporting surfaces or courtsu003cbru003eu0026#149; 72 hour waiting period
Storm and cyclone
u0026#149; Coveredu003cbru003eu0026#149; Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage or expansion, but must occur within 168 hours of stormu003cbru003eu0026#149; No cover for damage caused by hydrostatic pressure, hydrodynamic pressure, water that has seeped or percolated into your building, gradual deterioration or wear and tearu003cbru003eu0026#149; No cover for cracking of paths, driveways or outdoor surfacesu003cbru003eu0026#149; No cover for damage to external paintwork, if that is the only damage to that part of the buildingu003cbru003eu0026#149; Covers external shade cloths and sails up to 5 years oldu003cbru003eu0026#149; No cover for plants, trees, lawns or artificial grassu003cbru003eu0026#149; No cover for swimming pool or spa covers, or vinyl swimming pool linersu003cbru003eu0026#149; No cover for retaining or freestanding outdoor wallsu003cbru003eu0026#149; No cover for fences and gates that are not structurally sound or well-maintainedu003cbru003eu0026#149; No cover for loose or compacted surfaces of paths and drivewaysu003cbru003eu0026#149; No cover for sporting surfaces or courtsu003cbru003eu0026#149; 72 hour waiting period
Storm surge
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
u0026#149; Covers damage caused by falling trees or tree branchesu003cbru003eu0026#149; Covers damage caused by vehicles, trailers or watercraftu003cbru003eu0026#149; Covers damage caused by power or communication polesu003cbru003eu0026#149; Covers damage caused by satellite dishes, television or radio aerials breaking or collapsingu003cbru003eu0026#149; Covers damage caused by animalsu003cbru003eu0026#149; Covers damage caused by aircraft or debris falling from spaceu003cbru003eu0026#149; No cover for damage caused by tree felling or lopping at the addressu003cbru003eu0026#149; No cover for damage to driveways, paths, paving or underground services caused by vehicles, cranes or earthmoving equipmentu003cbru003eu0026#149; No cover for damage caused by animals kept at the address or domestic animalsu003cbru003eu0026#149; Does not cover removing or lopping trees which have fallen but not damaged the homeu003cbru003eu0026#149; Does not cover removing stumps
Animal damage
u0026#149; Covers impact damage caused by any animals not kept at addressu003cbru003eu0026#149; No cover for damage caused by any animal scratching, chewing, tearing or soiling
Escape of liquid
Breakage
Accidental damage
u0026#149; Optionalu003cbru003eu0026#149; Covers accidental loss and damage to home and contentsu003cbru003eu0026#149; No cover for accidental breakage of glass forming part of a stove top, cooking surface, heater or oven door or in a glasshouse or greenhouse or in the roof of a conservatory, sunroom, or similaru003cbru003eu0026#149; No cover for bicycles, sporting or fishing equipment, musical instruments or remote controlled aircraft or drones while in useu003cbru003eu0026#149; No cover for driveways, paths or tennis courts and other ground surfacesu003cbru003eu0026#149; No cover for trees, plants, shrubs, jewellery, watches, food, medications, cash, gift vouchers, negotiable instruments or mobile phonesu003cbru003eu0026#149; No cover for damage caused by normal use resulting in scratching, chipping or denting; domestic pets, animals or livestock at the address with permission of a resident; tree felling or lopping; subsidence; landslide; mudslide; or collapseu003cbru003eu0026#149; No cover for swimming pools caused by or contributed to by you lowering the level of wateru003cbru003eu0026#149; No cover for damage that occurs gradually
Claims
Out-of-hours claiming
Online and 24/7 phone
How the insurer can settle your claim
u0026#149; Repair damaged propertyu003cbru003eu0026#149; Replace damaged propertyu003cbru003eu0026#149; Pay you the property's replacement value, up to your sum insured or other sublimits
Cash settlement for building claims
Customer cost
Cash settlement for contents claims
u0026#149; Customer costu003cbru003eu0026#149; Insurer may offer non-cash alternatives
New for old contents replacement
Yes (excludes computers more than four years old and out of use clothing, shoes or household linen or items)
Building
Motor burnout
u0026#149; Motors up to 10 years or $1500 overallu003cbru003eu0026#149; Optional
Keys and locks after break-in
Up to $500 overall
Gardens and landscaping
u0026#149; Up to $750 overallu003cbru003eu0026#149; Cover for fire, malicious damage, theft and vehicle damage
Costs to comply with building regulations
Professional fees
Mortgage discharge fees
u0026#149; Up to $1000 overallu003cbru003eu0026#149; Paid on top of sum insured
Debris removal and demolition
u0026#149; Up to 10% sum insured overallu003cbru003eu0026#149; Paid on top of sum insured
Temporary accommodation
u0026#149; Up to 12 months or 10% building sum insuredu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Covers accommodation for you and any family member living at your homeu003cbru003eu0026#149; Up to $500 for temporary accommodation for dogs and/or catsu003cbru003eu0026#149; Available after a claim for building damage
Contents
Cover for unspecified portable contents
u0026#149; Covers some items for accidental loss or damageu003cbru003eu0026#149; Choose overall limit from $2500u0026#150;$7500u003cbru003eu0026#149; Up to $1000 per itemu003cbru003eu0026#149; Covered anywhere in Australia and New Zealandu003cbru003eu0026#149; $100 excessu003cbru003eu0026#149; Optional
Optional cover for individual portable valuables
u0026#149; Cover for insured events and accidental loss/damageu003cbru003eu0026#149; Covered anywhere in Australia and New Zealandu003cbru003eu0026#149; $100 excess
Contents in the open air
u0026#149; Up to $4000 overallu003cbru003eu0026#149; Up to $1000 per itemu003cbru003eu0026#149; No item sublimit for barbecues or garden furniture
Emergency storage
u0026#149; Reasonable costu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Covers cost to move and store contents
Jewellery
Up to 10% sum insured overall
Artworks
u0026#149; Up to $5000 overallu003cbru003eu0026#149; Up to $2000 per collection or item
Collections (e.g. stamps, coins)
u0026#149; Up to $5000 overallu003cbru003eu0026#149; Up to $2000 per collection or item
Digital media
u0026#149; Up to $5000 overallu003cbru003eu0026#149; Up to $2000 per item or collection
Spoiled food
u0026#149; Up to $500 overallu003cbru003eu0026#149; Cover for motor burnout
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