Shannons Home & Contents Insurance

Shannons is a provider of comprehensive car and bike insurance to motor enthusiasts around Australia, in addition to being a home insurance provider.

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What do Shannons home and contents insurance policies cover?
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Shannons offers home insurance, contents insurance and a combined home and contents insurance policy which provides cover for loss or damage caused by an insured event. The policies have the option to include accidental cover, which extends the cover to the accidental breakage, loss or damage of insured home, contents or enthusiast items.

Insured events include:

  • Fire and explosions
  • Floods and storms
  • Earthquakes and lightning
  • Theft, burglary, malicious acts and vandalism
  • Escape of liquid
  • Impact
  • Damage by animal
  • Riot, civil commotion or public disturbance

Optional cover can also be added to the policy to insure for the following events:

  • Accidental breakage of glass
  • Motor burnout
  • Removal of debris (up to 10% of your contents sum insured)

Home insurance

Shannons 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 swimming pool.

In addition to the insured events listed above, additional cover for home insurance can be provided for:

  • Loss of rent due to an insured event
  • Repair/rebuilding costs (up to 10% of your contents sum insured)
  • Temporary accommodation for up to 4 weeks
  • Home modifications to support paraplegia or quadriplegia
  • Damage to garden and plants
  • Environmental improvements
  • Lock replacement

Contents insurance

Shannons says its contents insurance is designed to protect your belongings that are permanently attached to your home, such as furniture, appliances, computers, clothing and textiles. In addition, it also covers contents that are vehicles, watercraft or aircraft such as golf carts, ride-on mowers and watersport equipment. Shannons provides contents insurance only if you live in a unit or if you are a tenant.

In addition to the insured events listed above, Shannons provide additional optional cover for:

  • Temporary accommodation for tenants
  • Costs to re-establish important documents
  • Storage of undamaged contents
  • Enthusiast items such as automotive memorabilia, spare parts and accessories
  • Contents in commercial storage
  • Vehicle injury to dogs or cats
  • Specified items away from home, anywhere in Australia

Home and contents insurance

Features of Shannons home and contents insurance include:

  • Annual premiums with the ability to pay monthly quarterly or half yearly without extra charges
  • Eligibility for existing Shannons motor insurance policy holders to receive a discount of up to 10% on their home and contents insurance premium (at the time of writing)

How do I apply for a Shannons home and contents insurance policy?

To apply for Shannons home insurance policy, first compare your options in Canstar’s home insurance comparison tables. To apply for an ING home and contents insurance policy, you can get a quote from  Shannons by either calling them directly on 13 46 46, or requesting one online via their website.

Shannons Insurance FAQs

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

As a general rule, building insurance covers any part of your house that is permanently fixed and not intended to move, such as your walls and roof, or kitchen benchtops. 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 Shannons 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 Shannons?

Claims on a Shannons policy can be made via:

  • Phone
  • Online – Shannons states they will contact you within two days to discuss the next steps
  • Suncorp app (as the company is part of the Suncorp Group)

I’m current renting. Do I need Shannons home insurance?

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. However, as a renter you can still consider contents insurance if you want to protect your own possessions.

Some providers offer specialised renters insurance policies. In many cases, though, renters insurance is the same or very similar to a contents insurance policy. It may be the case that when applying for a standard contents insurance policy, you simply need to specify to the insurer that you’re a tenant.

If you are a renter, you can purchase a contents-only policy from Shannons.

I’m a landlord. Do I need Shannons 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.

Shannons has additional options available to landlords to cover furnishings, loss or rent and legal costs but does not offer separate policies. Check out the landlord insurance providers rated by Canstar for more information.

About Shannons

Shannons specialises in providing insurance to motor enthusiasts. The company also runs Shannons Auctions, which is a large auction house for ‘veteran, vintage, classic, sporting and modified vehicles’, as well as motorcycles, memorabilia and number plates. The company states that it sponsored more than 1,200 enthusiast events in Australia each year, and runs Shannons Club, which it bills as ‘Australia’s largest online motoring enthusiast community’.

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Suncorp Group offers insurance, banking and wealth products and services throughout Australia and New Zealand. Formed in 1902, it now includes brands such as AAMI, GIO, Bingle, Apia, and Shannons.

This content was reviewed as part of our fact-checking process.

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