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Home & Contents Insurance

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Prefer to speak to a real person?

Call us on 1300 1300 50

Reasons to choose COTA Home Insurance

  • new for old replacement, regardless of age*
  • pay by the month at no extra cost**
  • guaranteed renewal invitation***
  • choose from Classic Home or Prestige Home Insurance policies

Classic Home Insurance

provides cover for major events including …

  • firefire
  • stormstorm
  • earthquakeearthquake
  • pipewater damage
  • glovestheft
  • legallegal liability
  • glass3accidental glass breakage

extra cover included as standard …

  • motorfusion
  • baghandbag snatch and grab
  • foodfood spoilage
  • lockreplacement of locks
  • vetvet costs
  • credit-cardfraudulent credit card use

Prestige Home Insurance

all of the benefits of the COTA Classic Home Insurance policy plus cover for …

  • tvaccidental damage
  • scaleslegal costs
  • box3contents in transit

Policy options

add cover for any of these to either your COTA Classic or COTA Prestige Home Insurance policy …

  • ringpersonal effects
  • floodflood
  • ladderdomestic workers compensation

Ways to save

Save with any of these discounts …

  • Combined building and contents discount 
    When you combine our building and contents covers on the one policy, you’ll be rewarded with a discount of up to 10%+.
  • Up to 30% No Claim Bonus
    We offer up to 30% No Claim Bonus on our home insurance policy, meaning you’ll save on your premium each year you don’t make a claim^+.
  • Increase your excess to reduce your premium
    Our home insurance allows you to increase the excess payable in the event of a claim and we’ll reduce your premium in return.+^^

Need to make a Claim?

Click here for details on how to lodge a home insurance claim

*At our discretion and subject to availability. Excludes fusion claims. **Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply. ***as long as this insurance has been issued in accordance with the terms and conditions set out under "Our agreement with you" and you remain a member of Insurance and Membership Services. ^To qualify for the maximum no claim bonus of 30% you must have had no home insurance claims in the preceding five years. However, customers who have had up to two claims may still qualify for a reduced No Claim Bonus. +Minimum premiums may apply. Any discounts/entitlements are subject to rounding and 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). ^^May not be available if an imposed excess applies.

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