- Understanding Home And Contents Insurance
- Your Guide To Renters Insurance
- A Home Owner’s Guide To Home And Contents Insurance
- Home And Contents FAQ
- Contents Insurance Explained
- Landlord Insurance Explained
- Claiming Home And Contents Insurance
- Home & Contents Queensland
- Fire Insurance
- Mobile Phone Insurance
- The Average Value Of Home Contents
- NRMA Home & Contents
- Coles Home & Contents Insurance
- The Best Home & Contents Insurance
- Smart Homes
Coles Home and Contents Insurance
|iSelect does not compare or sell Coles products. Coles is not an iSelect partner, nor is iSelect commercially affiliated with Coles in any way. For a full list of the providers iSelect does compare, please visit our partners page.|
Coles Financial Services offers a range of everyday financial products1, such as insurance and credit cards. As a company, Coles has been operating for over 100 years1, and Coles Financial Services is backed by some of Australia’s largest financial service providers1.
Coles Insurance provides car insurance, home, and landlord insurance products1, including combined Building and Contents insurance. In this article, we’ll explore some of the features and benefits of Coles’ home and contents offering.
What is Coles Building and Contents insurance?
Coles Building and Contents insurance is a combined insurance policy that comes under Coles’ home insurance products. This insurance is designed to cover you for damage to your home2, as well as covering your personal belongings inside.
You can choose a standard Building and Contents policy, or upgrade to Building and Contents PLUS cover for additional benefits2.
What are the benefits of purchasing home insurance from Coles?
When you purchase a home insurance policy from Coles, you get a range of additional benefits2, including money off your supermarket spending when you shop at Coles.
What’s covered by Coles Building and Contents insurance?
If you’re considering purchasing a home and contents insurance policy from Coles Insurance, it’s important to understand what you’re covered for.
Here’s an overview of what’s included in a standard policy3:
- Weather events: You’re covered for damage caused by events such as fire, floods, earthquakes, lightning, and storms
- New for old replacement: This applies to furniture and most electronic products
- Theft, vandalism, and water damage: Be covered in the event of an unexpected incident
- Temporary accommodation: Your family can be covered for temporary accommodation costs for up to 12 months if you can’t live in your home
- Legal liability cover: Be covered for up to $20 million in legal liabilities
- Specified high value items: Include items like jewellery, watches, electronic equipment, artworks and musical instruments up to policy limits at no extra cost
- Accidental glass breakage: You’re covered for accidental breakage of glass that’s a fixed part of your building or furniture
- Frozen or refrigerated grocery loss: If your fridge stops working following a power supply interruption, you could be covered for up to $500 for food spoilage
- Emergency grocery cover: If you can’t access your home following an insured event, you’re covered for up to $250 for emergency groceries
- Emergency repairs: You’ll be covered if your home needs urgent repairs after an insured event
- Rebuilding costs: These include professional fees and local and state fees for rebuilding your home after an insured event
- Key and lock replacement: Your policy covers the cost of replacing keys and locks, up to $500
- Demolition and debris removal: If your home is destroyed by an insured event, Coles Insurance will cover the cost of demolition and removal of debris
- Open air contents: Your outdoor items such as BBQs and garden furniture are also covered
Remember, it’s important you read the Product Disclosure Statement (PDS)3 to understand the terms, exclusions, limitations and any other conditions that apply to your policy.
What optional extras are available to add to my policy?
You can choose to add the following optional extras2 to your standard Building and Contents insurance policy:
- Motor burn out: Claim up to $2,000 per claim for motor appliances that are in your home or part of your building
- Contents outside your home: Add cover for unintentional loss or damage of contents outside your home
- Accidental damage to your contents: Choose to add accidental damage cover up to your insured amount
What is Coles Building and Contents PLUS cover?
You can choose to upgrade your standard policy to Coles Building and Contents PLUS cover2. This level of cover provides additional inclusions and benefits, such as:
- Household appliance cover: This includes ovens, dishwashers, refrigerators, washing machines and other appliances
- Building safety net: Get up to 30% on top of your building sum insured
- Accidental damage cover for building and contents: Be covered for accidental damage, up to your insured amount
- Motor burnout cover: Be covered for up to $2,500 per claim for motors under 10 years old
Need help finding a Home & Contents policy?
At iSelect we’re here to make your life easier. While we don’t compare Coles home and contents policies, you can use our free service to compare home & contents policies from our range* of available policies and select the policy that suits you. Compare online today, or call us today on 13 19 20.
*iSelect does not compare all home and contents insurance providers or policies in the market. The availability of policies will change from time to time. Some policies may only be available through iSelect’s contact centre. Not all policies available from our providers are compared by iSelect and due to commercial arrangements, your stated needs and circumstances, not all policies compared by iSelect will be available to all customers. Click here to iSelect’s range of providers.
iSelect General Pty Limited ABN 90 131 798 126, AFS Licence Number: 334115. Any advice provided by iSelect is of a general nature and does not take into account your objectives, financial situation or needs. You need to consider the appropriateness of any information or general advice iSelect gives you, having regard to your personal situation, before acting on iSelect’s advice or purchasing any product. You should consider iSelect’s Financial Services Guide which provides information about our services and your rights as a client of iSelect. iSelect receives commission for each product sold.