Home & Contents Insurance
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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 …
- water damage
- legal liability
- accidental glass breakage
extra cover included as standard …
- handbag snatch and grab
- food spoilage
- replacement of locks
- vet costs
- fraudulent credit card use
Prestige Home Insurance
all of the benefits of the COTA Classic Home Insurance policy plus cover for …
- accidental damage
- legal costs
- contents in transit
add cover for any of these to either your COTA Classic or COTA Prestige Home Insurance policy …
- personal effects
- domestic workers compensation
Home Building replacement calculatorValue my Home Home Contents replacement calculatorValue my Contents
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
*As long as our insurer agrees to replacement and subject to availability of the item. 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.