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Home & Contents Insurance

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Call us on 1300 1300 50

Reasons to choose COTA Home Insurance

ico-checknew for old replacement, regardless of age

We will replace your item with an equivalent brand new one, no matter how old*.

ico-checkpay by the month at no extra cost

We don’t charge you any extra to pay your premium in monthly instalments**.

ico-checkguaranteed renewal invitation

We will offer you renewal of your policy each year regardless of your age or claims experience***.

ico-checkchoose from Classic Home or Prestige Home Insurance policies

Our Classic Home policy covers you for a broad range of events such as fire, storm and theft. Our Prestige Home policy doesn’t just cover you for a specific list of events, it covers you for any accidental loss or damage unless it’s specifically excluded. This policy also has some higher limits than the Classic policy and some additional features listed in the table below. With either of these policies you can choose to cover just your building (home), just your contents, or both your building and contents.

Features

 

Cover

Description

Classic

Prestige

fire Loss or damage caused by fire or smoke. Including bushfire. check check
storm, rainwater or run-off Loss or damage caused by violent wind (including cyclones and tornadoes), thunderstorms or hail. Rainwater or run-off including overflow from swimming pools or spas. check check
earthquake and tsunami Loss or damage caused by earthquake or tsunami. check check
water damage Water or other liquid damage from the bursting, leaking or overflow of items such as dishwashers, washing machines, fixed tanks, fixed pipes, waterbeds or aquariums designed to hold more than 20 litres of water. check check
theft Theft, burglary or housebreaking. check check
legal liability Cover for injury to other people or damage to their property. Up to $20,000,000. check check
riot Riot or civil commotion. check check
lightning Lightning or thunderbolt. check check
malicious acts Vandalism or a malicious act. check check
impact damage Impact from such things as a road or rail vehicle, a watercraft, an external aerial which collapses or breaks, an animal other than a pet, falling trees, an aircraft or space debris. check check
explosion Explosion. check check
accidental glass breakage If you have buildings cover - breakage of glass or ceramic items permanently fixed to the building, such as glass or ceramic cooktops, basins, baths, toilets. If you have contents cover – glass forming part of your furniture.

check

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accidental damage Accidental loss or damage to your buildings or contents.

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Included extras

Description

Classic

Prestige

fusion If an electrical current damages a household electrical motor. checkmotors up to 10 years old checkmotors up to 12 years old
handbag snatch and grab If your handbag is snatched from you while you are wearing or carrying it, while you are away from home, we will pay up to $1000. And you won’t need to pay an excess. (When you have contents cover). check check
food spoilage Spoilage of perishable food in a domestic refrigerator or freezer if it breaks down, it’s refrigerant or fumes escape, or from the accidental failure of the electricity supply. (When you have contents cover). checkup to $500 checkno specified limit
replacement of locks Replacement of external locks or cylinders of external doors or windows in the home. No excess applies to this benefit. checkup to $1,000 checkup to $2,000
vet costs Up to $500 if your cat or dog is injured in a road accident. (When you have contents cover). check check
landscaping Including the replacement of fixed trees and plants lost or damaged by an insured event. (When you have buildings cover).  checkup to $2,000  checkup to $5,000
compensation for death Up to $10,000 paid to your estate. No excess applies. check check
tax audit Up to $5,000 for accountants fees as a result of your personal taxation affairs being audited by the Australian Taxation Office. (When you have contents cover).  check  check
security firm attendance Up to $500 towards fees incurred for a security firm to respond to a monitored alarm signal following burglary or housebreaking. (When you have contents cover). check check
contents in a safe deposit at a bank Cover for your contents when they are kept in a safe deposit box at a bank for loss or damage due to an insured event. (When you have contents cover).  check  check
title deeds If lost or damaged by an insured event at your risk address or safe deposit box. Up to $2,000. (When you have contents cover). check check
building modifications Up to $10,000. If required as a result of paraplegia or quadriplegia. (When you have buildings cover).  check  check
legal costs Up to $5,000 for legal fees in defending legal proceedings brought against you by a third party in Australia. (When you have contents cover).

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visitors’ property Guests’, visitors’ and domestic helpers’ property up to $5,000. (When you have contents cover).  check  check
contents in transit Loss or damage to your contents caused by fire, collision or theft from the vehicle, while they are in transit to your new address or storage facility. (When you have contents cover).

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contents outside Cover for items while they are outside, at your insured address. Such as in the open air or under a carport or patio/verandah. (When you have contents cover).   check  check
fraudulent credit card use If your credit card or cheques are lost or stolen and you are legally liable to pay for the credit fraudulently used. Up to $5,000. (When you have contents cover). check check

Policy options

 

Benefit

Description

Classic

Prestige

personal effects Accidental loss or damage to your personal effects anywhere in Australia, and for up to 35 days anywhere in the world. (When you have contents cover). optional optional
flood Where normally dry land is covered by water that has escaped or been released from the normal confines of any of the following: a lake (whether or not it has been modified), a river (whether or not it has been modified), a creek (whether or not it has been modified), another natural watercourse (whether or not it has been modified), a reservoir, a canal or a dam. Note: this is different from ‘storm’ and ‘water damage’ listed above.  optional

eligibility criteria apply

optional

eligibility criteria apply

domestic workers compensation The amount you are liable to pay if you employ a domestic worker and they are injured while working for you. (Not available in all states or territories). optional optional

This is a summary only. For full details of the conditions, limits and exclusions on all our cover options, please ‎refer to the Prestige Home Insurance and Classic Home Insurance Product Disclosure Statements and Supplementary Product Disclosure Statement. To review the Key Facts Sheets available for our home building and/or contents covers click here.

 

 

*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. Discounts may not be applied to any flood component of the premium (if applicable). ***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.

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