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Home Buildings and Contents insurance

Mortgage Choice offers Home Buildings and Contents insurance with a range of features and benefits to give you peace of mind, should the unexpected happen.


Why choose to buy your home insurance through us?

1
Simple

Get a quote and buy online today!

2
Flexible

Option to pay by the month at no extra cost 1.

3
Choice

A range of buildings and contents insurance products to suit different budgets and needs.

4
An easy claim process

We understand that if you need to make a claim, you want to be able to settle it quickly and with a minimum of fuss.

5
Combined buildings and contents discount

When you combine your buildings and contents covers on the same policy, you’ll be rewarded with a discount of up to 10% 2.

6
You may be able to increase your excess to reduce your premium

You may be able to increase the excess payable in the event of a claim to reduce your premium2.

7
Up to 30%3 No Claim Bonus2,3

You can get up to 30% No Claim Bonus on home insurance policies purchased through us, meaning you can save on your premium each year you don't make a claim, up to a maximum 30% 2,3.

Get a quote & buy online today

Retrieve an existing quote

Protect your valuable assets

Don't leave your things to chance

Home insurance protects your home and belongings against a whole range of threats – from theft through burglary to fire.

Contents count too

Your possessions – everything from furniture through to whitegoods and electrical items are probably worth more than you realise, especially if you had to replace them.

Know what you’re covered for

It may be tempting to choose your buildings and contents insurance based on the premium alone. But the last thing you need is to discover that you are underinsured at claims time.

Peace of mind

That's why buildings and contents insurance is so important for home owners. It covers your home against the unexpected and gives you and your family peace of mind.

Make renewal time review time

If you upgrade your home with renovations or improvements, you should review your insurance policy and increase your cover to ensure you have adequate cover.

Home Buildings and Contents features

Compare the features of the Home Buildings and Contents covers offered by Mortgage Choice to see if there is a product suitable to you. To review the Key Facts Sheet available for Home Buildings and / or Contents cover, click here.

The below table is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Prestige Home Insurance Product Disclosure StatementClassic Home Insurance Product Disclosure Statement and Vital Home Insurance Product Disclosure Statement.

 

Features: Prestige Home Classic Home Vital Home
Cover for accidental loss of or damage to your vehicle caused by fire or theft
Accidental loss or damage
Accidental glass breakage
       
Automatic indexation of sums insured
Compensation for death  $10,000 $10,000 $10,000
Contents in open air at the risk address (available only with contents cover) Sub-limits apply for selected contents based on event-causing loss or damage Sub-limits apply for selected contents based on event-causing loss or damage Sub-limits apply for selected contents based on event-causing loss or damage
Contents in safe deposit box (available only with contents cover) Up to $1,000 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents. Sub-limits apply for selected contents. Up to $500 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents. Sub-limits apply for selected contents. Up to $250 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents. Sub-limits apply for selected contents.
Credit cards - cover for fraudulent use of lost or stolen cards (available only with contents cover) Up to $5,000 Up to $5,000 Up to $5,000
Fusion of electric motors Motors up to 12 years old Motors up to 10 years old
Guests', visitors' and domestic helpers' property Up to $5,000 Up to $5,000 Up to $5,000
Landlords' contents (available only when the policy only insures buildings) Up to 10,000 Up to $10,000
Legal liability Up to $20,000,000 Up to $20,000,000 Up to $10,000,000
Modifications to buildings for paraplegia & quadriplegia (available only with buildings cover) Up to $10,000 Up to $10,000 Up to $10,000
Replacement of locks or cylinders Up to $2,000 Up to $1,000 Up to $1,000
Security firm attendance (available only with contents cover) Up to $500 Up to $500 Up to $500
Spoilage of refrigerated / freezer food (available only with contents cover) Up to contents sum insured. However, if the event causing the spoilage of perishable food is declared a natural disaster by the government or the Insurance Council of Australia, the maximum payable under this benefit is $500. Up to $500
Temporary removal of contents from your risk address (available only with contents cover) Up to 20% of contents sum insured for contents while kept inside where you are temporarily residing; or up to $7,500 for contents elsewhere in Australia and New Zealand. Sub-limits apply for selected contents.   Up to 20% of contents sum insured for contents: while kept inside where you are residing; or anywhere else in Australia or New Zealand but excluding theft. Sub-limits apply for selected content.  Up to 20% of contents sum insured for contents: while kept inside where you are residing; or anywhere else in Australia or New Zealand but excluding theft. Sub-limits apply for selected content.
Title deeds (available only with contents cover) Up to $2,000 Up to $2,000 Up to $2,000
Veterinary costs (available only with contents cover) Up to $500 Up to $500 Up to $500



Mortgage Choice Limited ABN 57 009 161 979 AR No. 435921 arranges this insurance as agent and authorised representative for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available on this website, by visiting a Mortgage Choice branch or by calling 1300 736 085. If you purchase this insurance, we will receive a commission that is a percentage of the premium. If the agreed premium threshold is met, we will also receive a percentage of the profit which exceeds the agreed profit threshold for Householders (excluding flood) and Domestic Motor insurance policies arranged or referred by us or Mortgage Choice Financial Planning Pty Limited ABN 97 158 645 624 (or renewed with Allianz) in each calendar year. Ask us for details before we provide you with any services. The Financial Services Guide – Mortgage Choice Insurances can be viewed here.

1Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

2Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers, including flood (where relevant). 

3To qualify for the maximum No Claim Bonus of 30%, customers must have had no home  insurance claims in the preceding five years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus. 

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