1300 Insurance Home & Contents Insurance

1300 insurance

1300 Insurance is an Australian provider of home insurance, life insurance, pet insurance, travel insurance, car insurance and business insurance.

What do the home and contents insurance policies of 1300 Insurance cover?

Home Building Insurance

1300 Insurance’s Home Insurance policy covers you for:

  • All permanent fixtures of your home, including external fixtures such as in-ground pools, window awnings, decks and fences
  • Natural disasters and extreme weather, including fire or storm damage
  • Vandalism, theft and optional accidental damage cover
  • Legal liability cover
  • Costs of demolishing unsafe buildings, removing debris and temporary accommodation in the event of an emergency
  • Optional landlord cover if you rent your home out to tenants
  • Optional Sum Insured Safeguard, which extends your covered amount by up to 25% if your current Sum Insured is insufficient

Contents Insurance

1300 Insurance’s Contents Insurance policy covers you for:

  • Protection for contents anywhere on your property, including outdoor furniture, tools and pot plants
  • Natural disasters, including earthquakes, storms, lightning strikes and fires
  • Theft, vandalism and falling damage
  • Accidental glass breakage
  • Lock replacement in the event of stolen keys
  • Insurance against fraud in the event of your credit card(s) being stolen

Home and Contents Insurance

1300 Insurance’s Home and Contents Insurance covers you for all of the above scenarios in one combined package.

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Here’s a snapshot of 1300 Insurance Home and Contents Insurance to replace a building and contents of below $550K in QLD. To compare other home and contents insurance policies, click here.

Based upon the home insurance product features you searched for, Canstar’s database has found only one product with those features. Canstar is providing you with information only; it is not a credit provider and is not making a suggestion or recommendation to you about this product.

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1300 Insurance Car Insurance FAQs

Building or home insurance covers any part of your house that is permanently fixed and not intended to move, such as your walls and roof, and even the light on your front porch.

Contents insurance covers all the items within your house that are not permanent fixtures, i.e. you could move them between houses. Find out more about home and contents insurance here.

As a renter, you don’t need home insurance because your landlord should have insurance for the building you live in, and if you live in a unit/apartment or townhouse, the body corporate is legally required to have building insurance for the building.

But you should certainly get contents insurance to protect your own possessions. Many providers offer specialised renters’ insurance policies.

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For landlords, a better option than home insurance is landlord insurance. Landlord insurance covers you for the same things as a home insurance policy, but with several important additions to cover you against risks from your tenants.

As mentioned above, 1300 Insurance offers landlord insurance as an optional extra under your home insurance policy. Depending on your choice of cover, 1300 Insurance’s home insurance may cover repairs for damage caused by your tenants, or your legal fees if you need to sue tenants who are not paying rent. Compare landlord insurance here:

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If you have a recent and accurate estimate for the value of your home and contents, then it’s often a good idea to insure up to that particular sum to get your exact money’s worth.

If you don’t have an accurate idea of the above value, then you could insure for a complete replacement to give yourself peace of mind. Find out how much home insurance you need and how much contents insurance you need.

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1300 Insurance offers one main avenue for you to lodge an insurance claim. You simply have to call 1300 INSURA (1300 467 872), which is the company’s name with the last three letters omitted – pretty easy to remember!

After calling, you can follow the prompts to get your claim processed by a member of the 1300 Insurance team. To find out more about what details you’ll need to have on hand, you can visit the 1300 Insurance online claim page for more information.

1300 Insurance is wholly owned by 1300 Group Pty Ltd, a company that is fully Australian-owned and operated. 1300 aims to offer affordable insurance policies to individuals, families and businesses across a wide range of sectors, allowing all Australians to find an insurance policy that fits their needs.

1300 Home & Contents

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Home & Contents Insurance

1300 Home & Contents

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Written by: Sam Bloom | Last updated: November 27, 2017