Get a quote


Why Choose 1Cover Home Insurance? 

 

1 Million

1 Million Customers

1Cover has provided insurance to over 1 million customers. Founded in 2003, 1Cover has 10 years’ experience in insurance.

Reputable Underwriters

Reputable Underwriters

 Underwritten by Auto & General Insurance Company Limited, long-term security and protection are assured. 

Smart Benefits

Smart Benefits 

Including automatic sum-insured adjustment at renewal, fire & explosive cover, malicious damage, vandalism and more. 


 

Choose The Right Policy To Suit You

Combined Home and Contents

Combined Home and Contents

Protect your house, valuables and way of life with 1Cover's Combined Home & Contents Insurance.

Home Insurance

Home
Insurance

We pride ourselves on providing affordable home insurance with great benefits, get a quote and see how much you could save. 

Contents Insurance

Contents
Insurance

Cover the cost of replacing the valuable possessions in your home with 1Cover Contents Insurance.


What Your Policy Covers

Cover Item (Standard Benefits) Combined
Home & Contents
Home
Insurance
Contents
 Insurance

Up to $20 million legal liability cover

Yes Yes Yes

Fire Cover

Yes Yes Yes

Explosion Cover

Yes Yes Yes

Theft or Attempted Theft

Yes Yes Yes

Malicious Damage, Vandalism, Riot or Civil Commotion

Yes Yes Yes

Accidental Breakage of Glass, Ceramic & Sanitary fixtures

Yes Yes Yes

Storm & Rainwater Damage

Yes Yes Yes

Lightning Cover

Yes Yes Yes

Earthquake Cover

Yes Yes Yes

Escape Of Liquid

Yes Yes Yes

Impact Cover

Yes Yes Yes

Lump Sum or Instalment Payments

Yes Yes Yes

Debris Removal and Extra Costs of Rebuilding

Yes Yes Yes

Temporary Accommodation Costs

Yes Yes Yes

Mortgage Discharge Costs

Yes Yes No

Funeral Expenses up to $5,000

Yes Yes Yes

Replacement Of Locks Up To $500

Yes No Yes

Open Air Contents Cover - Contents In The Open At The Insured Address

Yes No Yes

Contents While Moving Address

Yes No Yes

Credit Card Cover Up To $1,000

Yes No Yes

Uninsured Guests' Contents Cover Up To $500

Yes No Yes

Unattached Equipment Cover Up To $500

Yes No Yes

Terms, Conditions & Limits apply, please see PDS for full details.


FAQs

 

  • Is My Jewellery Covered?
  • If the jewellery was at home when it was lost and/or damaged, it’s covered for the replacement value. If you’d like your jewellery covered away from the home, you need Personal Effects cover.

    You can choose from two types of cover:
    1. Unspecified Personal Effects covers items valued at less than $1,000 away from the home. You don’t need to specify the item’s type or value on the insurance certificate.
    2. Specified Personal Effects covers items valued at more than $1,000 away from the home. You need to specify each item and its value on the insurance certificate.

    Note: When you claim on these items you may need to provide proof of ownership and/or valuation of the items.

 

  • What Are My Home And/Or Contents Insured For?
  • Under a standard Home and/or Contents Insured policy we cover you for:
     - Fire
     - Explosion
     - Theft and attempted theft
     - Malicious damage, vandalism, riot or civil commotion
     - Accidental breakage of glass, ceramic and sanitary fixtures
     - Storm and rainwater
     - Lighting
     - Earthquake
     - Sudden and unexpected escape of liquid
     - Impact at the home

    Limits and exclusions may apply. 

 

  • Do You Have Flood Cover?
  • You will have the option of adding flood cover to your home insurance policy, however this will incur an additional premium. If you already have home insurance with 1Cover you will be able to add flood cover by paying the additional premium.

 

  • Who Is The Underwriter For 1Cover’s Home And Contents Insurance?
  • Auto & General Insurance Australia is the underwriter for 1Cover’s Home and Contents insurance policies. Auto & General Insurance Company is an Australian incorporated general insurer that has a long-term commitment to the Australian marketplace.

 

  • What Happens If I Don’t Tell You About My Past Claims When I Am Asked?
  • If you do not disclose any past claim history information, you will not be given an accurate quote. All major insurance companies reserve the right to enquire about your claims history, and if there is evidence to suggest that you were deceptive, the insurer can refuse a claim. This makes it very difficult to obtain insurance in the future. Also bear in mind, that if you do take out a policy of insurance under false information, the insurer has every right to investigate your history and refuse to pay you at a time of claim, meaning you forfeit any money you have paid, and you will more than likely be liable for legal action also.

 

  • What Factors Affect The Premium I Am Charged?
  • There are many different factors taken into account when your insurance quote is calculated. Some of these factors are things which you have no control over, such as your suburb, which might be a high-risk suburb based on claim information, or on the other hand could be more expensive because of the higher value of the third party risk. Other factors however, may give you more control over your premium price, such as making sure you have adequate security for your property, and making sure it is structurally safe and sound and in general good order.

 

  • Can I Buy Home And Contents Insurance Online?
  • Yes, of course! All you need are the details of your property and contents, a credit card or bank account details for direct debit, and a pen and paper! If you have any trouble getting a quote online, or prefer to talk to a consultant, just call us on 1300 126 837, Monday to Friday 9am - 6pm AEST.

 

  • What Are The Best Ways I Can Save Money On My Home And Contents Insurance?
  • When it comes to insurance, everyone loves to save a few dollars! Here are just a few ways you can save on your Home and Contents insurance policy:
     - Installing secure deadlocks on any entry doors to the property
     - Making sure the windows have security grills, or locks, and are closed when the property is vacant
     - Installing a local or monitored alarm system
     - Keeping your claims record clean

 

  • What If I Have To Make A Home And Contents Insurance Claim?
  • Making a claim with 1Cover is easy, quick and stress-free. There’s no paperwork to fill out, all you need to do is call the claims hotline from anywhere in Australia to get your claim assessment underway!

    *Tip: It always helps to make sure you can provide as much evidence as possible, so that in the event of a claim, it is assessed quickly! Things like receipts and photos of items will help significantly, come claim time! It never hurts to have some extra evidence!

 

  • How Long Does It Take To Get Home And Contents Insurance?
  • Not long at all! If you have all the details of the property and/or the contents to be insured ready, it shouldn’t take more than about 5 minutes! You will need to have the following details to get a quote:
     - The estimated replacement cost of your building and any contents
     - The address of the property to be insured.

 

  • How Can I Purchase A Home And Contents Insurance Policy?
  • It’s quick and easy to get a Home and Contents insurance quote. You can get an instant quote online or alternatively, call us on 1300 126 837, Monday to Friday, 9am to 6pm AEST, and a 1Cover consultant will be happy to help you.


 

More Info

Contact

Contact Us

If you have any questions about your home insurance policy or would like to purchase over the phone please call 1300 126 837.

Make A Claim

Make A Claim

To make a home insurance claim, simply call 1800 611 422 with your claim details and the friendly customer service staff will guide you through the process.

PDS'

PDS Documents

Part A
Part B 





 

 



 

 

           Get a quote

      1300 126 837

*Our online purchase discount offer only applies to the premium paid for a 1Cover home insurance policy purchased online.

^The above is a summary only, please refer to our product PDS for full terms and conditions.

1Cover General Insurance Pty Ltd (ACN 104 729 955 AR NO 269304) and 1Cover Pty Ltd (ACN 105 954 265 AR No 269304) (collectively known as 1Cover) are authorised representatives of Auto & General Services Pty Ltd (AGS) (AFSL 241 411, ACN 003 617 909). Auto & General Services arrange the Car and Home insurance on behalf of the insurer Auto & General Insurance Company Limited.  AGS pays 1Cover a commission which is a percentage of your premium. 1Cover acts as an agent for AGS not as your agent. Any advice here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on our recommendations. You should read and consider the Product Disclosure Statement and Financial Service Guide (FSG) before deciding whether to acquire any product mentioned here. For further details see our FSG. Terms & Conditions apply.