ING Home & Contents Insurance

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ING is a provider of home and contents insurance as well as other products such as home loans, transactional banking, superannuation, credit cards, personal lending and insurance.

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What do ING home and contents insurance policies cover?

ING lets you choose from home insurance, contents insurance or a combined home and contents insurance policy. The ten events that home and contents are covered for include:

  • Fire
  • Theft or attempted theft
  • Malicious damage, vandalism, riot or civil commotion
  • Breakage of glass, ceramic and sanitary fixtures
  • Storms and rainwater
  • Escape of liquid
  • Lightning
  • Explosion
  • Earthquake or tsunami
  • Impact at home, such as a vehicle or falling tree

Home insurance

ING home insurance covers you for:

  • Some of the costs of rebuilding including demolition, and legal liability cover
  • Natural disasters and extreme weather
  • Accidental breakage, theft or vandalism
  • Motor burnout
  • Funeral expenses
  • Temporary accommodation/rental costs
  • Glass breakage
  • Damage from a riot or civil commotion

Contents insurance

ING contents insurance covers:

  • Theft, loss or damage of items including furniture, household goods, electrical appliances, furnishings, clothing and personal belongings
  • Credit card theft/misuse
  • Damage due to extreme weather
  • Accidental damage
  • Specified items away from home, anywhere in Australia and New Zealand
  • Replacement of locks and keys

Home insurance

ING says its home insurance is designed to protect the structure of your home, inside and out. Coverage may include the physical structures that make up the home, like the walls and roof, as well as other fixtures on your property such as your garage, fence or in-ground swimming pool.

Features of ING home insurance include cover for:

  • Some of the costs of rebuilding including demolition, and legal liability cover
  • Some of the legal and administration costs to discharge your mortgage
  • Home modifications to support paraplegia or quadriplegia
  • Funeral expenses
  • Temporary accommodation/rental costs
  • Lost rental income for landlords

New ING Home Insurance policyholders may be eligible for a discount of up to 15% on their first year’s base premium when they apply online.

Contents insurance

ING says its contents insurance is designed to protect your belongings at your home, such as furniture, appliances, computers and personal effects like clothing, from the events listed above.

Features of ING’s contents insurance include cover for:

  • Some of the costs of rebuilding including demolition, and legal liability cover
  • Specified items away from home, anywhere in Australia
  • Unattached equipment, spare parts, or accessories such as motor vehicles
  • Replacement of locks and keys
  • Food spoilage
  • Uninsured contents belonging to guests and visitors

New ING Contents Insurance policyholders may be eligible for a discount of up to 15% on their first year’s base premium when they apply online.

Combined home and contents insurance

ING home and contents insurance offers all of the above benefits and inclusions of both home insurance and contents insurance in a combined package. At the time of writing, ING says policyholders may be eligible for a discount of up to 30% on their first year’s base premium when they combine home and contents insurance online.

Optional cover

ING also provides additional cover options to suit your situation, including cover for:

  • Unspecified personal effects and higher value specified personal effects
  • Motor burnout
  • Commercial storage
  • Flood
  • Accidental damage
  • Landlord expenses

How do I apply for an ING home and contents insurance policy?

To apply for an ING home and contents insurance policy, you can get a quote from ING by either calling them directly on 1800 456 406, or requesting one online via their website.

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ING FAQs

What’s the difference between ING building insurance and ING contents insurance?

Building 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.

How much ING home insurance should I take out?

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 this value, then you could look for a complete replacement home insurance policy to give yourself peace of mind, though bear in mind that while you’re less likely to be underinsured, the premiums for a total replacement may be more expensive than for a sum-insured one. Find out how much home insurance you need and how much contents insurance you need.

How do I make a claim with ING?

You can make an insurance claim either by calling ING’s phone hotline on 1800 611 422, or by submitting a claim online.

After you have lodged your claim, the claims team may visit your home to inspect the damages and assess what’s required to repair or replace your home.

I’m currently renting. Do I need ING home insurance?

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.

I’m a landlord. Do I need ING home insurance?

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.

ING home insurance may cover lost rental income and damage to some contents for landlords whose tenanted home is damaged by an insured event. There are also additional landlord cover options for which can be added to the policy, such as tenant default cover and cover for legal expenses.

About ING

ING is a wholly owned subsidiary of Dutch multinational bank, ING Group. Australia’s first direct bank, ING is now Australia’s fifth largest bank with over 2 million customers. As a direct bank, ING has no branches, operating primarily via phone and online banking. It is headquartered in Sydney.

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Written by: Alasdair Duncan | Last updated: October 1, 2021