Home Insurance

For many of us our Home is our most valuable asset. So insurance to cover your building, contents and personal effects is a necessary part of life. With this in mind COTA Insurance offers a comprehensive range of covers that give real value for money.

   New for old replacement cover on all contents items regardless of age.

   A no claim bonus discount of up to 30%**.

   Option to insure for Defined Events (CLASSIC Home Insurance) or Accidental Loss or Damage (PRESTIGE Home Insurance).

   Temporary removal of contents from your risk address*.

   A number of excesses you can choose from to suit your needs.

   Guaranteed offer to renew your policy regardless of your age or claims history.

   No depreciation for fusion to motors up to 10 years (12 years for PRESTIGE cover).

   $20 Million Legal Liability cover.

   Veterinary costs following road accident to your dog or cat up to $500.

   Handbag snatch & grab outside of your home up to $1,000.

   $5,000 cover for guests', visitors' & domestic helpers' property.

   Personal effects cover available for items away from home.

   Cover for money, cheques & other negotiable instruments up to $500 ($1,000 for PRESTIGE cover).

   Up to 12 months cover for temporary accommodations costs*.

   Up to $1,000 cover for replacement of locks or cylinders if your keys are stolen ($2,000 for PRESTIGE cover).

   Spoilage of perishable food in refrigerator or freezer up to $500 (no specific limit for PRESTIGE cover).

   Cover for contents in the open air at your risk address*.

   Cover up to $2,000 for landscaping at your risk address ($5,000 for PRESTIGE cover).

   24 hour 7 day telephone claims services hotline available. In most instances no written claim form to complete.

Insurance and Membership Services Ltd ABN  59 05 7159 743 trading as COTA Insurance is underwritten by Allianz Australia Insurance Ltd AFSL No 234708, ABN 15 000 122 850 (Allianz). In arranging this insurance, COTA Insurance acts as an agent for Allianz, not as your agent. It is important that you understand and are satisfied with the suitability of the policies we can arrange. We can give you general information to help you in your decision but cannot advise you on whether the terms are specifically appropriate for your individual objectives, financial situation or needs. We therefore recommend that you should carefully read the relevant Product Disclosure Statement and other information we provide before making your decision, available from COTA Insurance. *Sub-limits apply. ** Minimum premiums may apply. Any discounts/entitlements only ‎apply to the extent any minimum premium is not reached. If you ‎are eligible for more than one, we also apply each of them in a ‎predetermined order to the premium (excluding taxes and ‎government charges) as reduced by any prior applied ‎discounts/entitlements.‎ Discounts may not be applied to any flood component of the premium (if applicable).