HBF Home & Contents Insurance

HBF : Outstanding Value Award Winner

HBF is a provider of home and contents insurance, car insurance, travel insurance and life insurance.

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The table below displays a snapshot of HBF’s home and contents insurance policies on Canstar’s database. The results are based on a policyholder under 50 years of age in Victoria for building and contents worth less than $550,000. If you are considering a HBF home and contents insurance policy, check upfront with HBF and read the PDS to confirm the details of the policy and whether it meets your needs before committing to it.

What do HBF Home and Contents Insurance policies cover?

HBF offers building insurance, contents insurance, and combined buildings and contents insurance.

For all policies, HBF offers three levels of coverage with different features and insured amounts:

  • Premium cover – accidental damage
  • Quality cover – listed events
  • Basic cover – fundamentals

Building Insurance

According to HBF its building insurance coverage includes:

  • Flood cover
  • Alternative accommodation
  • Removal of debris and demolition costs
  • Architects, surveyors and legal fees
  • Replacing keys and recoding of locks and barrels
  • Liability cover
  • Storm cover to wooden gates, fences etc.

Contents Insurance

HBF says its contents-only insurance cover includes:

  • Valuable items
  • Contents at home in the open air
  • Liability cover
  • Bicycle cover
  • Flood cover
  • New for old replacement cover
  • Credit card and transaction card misuse
  • Small boats and watercraft

Building and Contents Insurance

HBF says its building and contents insurance offers the benefits of both building insurance and contents insurance in a combined package.

For a complete list of inclusions and exclusions, make sure to read the Product Disclosure Statement (PDS).

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HBF Home and Contents Insurance FAQs

As a renter, you generally 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 consider getting contents insurance to protect your own possessions.

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For landlords, you can consider home or landlord insurance. Landlord insurance is designed to cover you for many of the same things as a home insurance policy, but with several additions to cover you against risks related to having tenants occupying your property.

HBF’s landlord insurance policies offer cover you for a range of insured events (such as burning out an electronic motor and deliberate acts of damage by a tenant). You can also add rent default and theft by a tenant and loss of rent cover as optional extras.

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If you have a recent and accurate estimate of the value of your home and contents, then you could consider insuring up to that particular sum.

If you don’t have an accurate idea of the above value, then you could consider insuring for a complete replacement.

You can lodge a claim with HBF by calling its 24/7 number 1300 559 867.

HBF says it normally gets back to those who make a claim with a plan within 48 hours.

HBF was established as the Metropolitan Hospital Benefit Fund in 1941 to help Western Australians cover the cost of hospital treatment. HBF is now an Australia-wide health fund that covers over 900,000 members, and also offers a variety of other insurance products.

HBF is a not-for-profit organisation and says it is Western Australia’s leading health insurer and one of the leading providers of home, car and travel insurance.

HBF Fundamentals Home & Contents Insurance

Canstar Research (based on Victoria Home & Contents Low Sum Insured General)
Rating:
Award: Outstanding Value

Written by: Tamika Seeto | Last updated: February 7, 2019