Home and Contents Insurance

Our Home and Contents policies provide financial security against the consequence of loss and damage from insured events and legal liability.

To calculate the cost of insuring your home and/or contents with our policies you can get a quote now! If you have saved a quote here during the last 2 weeks you can retrieve a saved quote.  

We offer an online purchase discount of 10% which is retained upon renewal, as well as other discounts which can add up to 40% off*.

To help estimate the amount you should insure your home and contents for, you can use our home value calculator and contents value calculator.

*Please read the discount terms before applying.

Policy Options

Everyday Care

A quality, yet economical policy providing essential insurance protection. 

pdf Product Disclosure Statement 

pdf Key Facts Sheet - Building insurance

pdf Key Facts Sheet - Contents insurance

pdf Everyday Care application form 

Extra Care

Receive all the cover of Everyday Care plus extra protection through additional benefits and higher claimable amounts.

pdf Product Disclosure Statement

pdf Key Facts Sheet - Building insurance

pdf Key Facts Sheet - Contents insurance

pdf Extra Care application       form

Elite Care

Outstanding protection and in addition to the cover noted in the Everyday and Extra Care policies, Elite Care gives you cover for accidental loss or damage.

pdf Product Disclosure Statement

pdf Key Facts Sheet - Building insurance 

pdf Key Facts Sheet - Contents insurance

pdf Elite Care application form

Summary of Benefits

  Everyday Care Extra Care Elite Care
Specific Cover
Insured Events
(see below)
Insured Events
(see below)
Insured Events
& Accidental Loss or Damage
New for old* Yes Yes Yes
Flood cover Yes Yes Yes
Legal liability $10 million $20 million $20 million
Computers and home office equipment $15,000 $15,000 $15,000
Aggravated theft No $1,000 $1,000
Fusion or power surge * Yes Yes Yes
Change of site No 30 days 30 days
Pictures and works of art $1,000 per item or
25% of sum insured
$5,000 per item $10,000 per item
Jewellery, furs, gold and silver objects $1,000 per item or
25% of sum insured
$2,500 per item or
25% of sum insured
$2,500 per item or
25% of sum insured
Breakage of fixed glass Yes Yes Yes
Theft and misuse of credit cards $500 $5,000 $5,000
Theft or damage to trees, plants or shrubs No $500 per item $500 per item
Tools and equipment used for business $500 $5,000 $5,000
Spoilage of perishable food $500 $750 $1,000
Cash $200 $750 $1,000
Veterinary expenses for pet injured in a road accident No $500 $500
Locks replacement No $1,000 $1,000
Temporary accommodation ** Yes Yes Yes
Temporary removal of contents ** 10% of sum insured 20% of sum insured 20% of sum insured
Contents in the open air ** 10% of sum insured 20% of sum insured 20% of sum insured
Visitors possessions $200 $5,000 $5,000
Legal costs to discharge mortgage for a total loss No Yes Yes
Fatal injury $10,000 $15,000 $15,000
Exploratory costs e.g. find leaking pipes $1,000 $2,000 $2,000
Costs of security firm attendance $500 $1,000 $1,000
Motor accessories No $1,000 $1,000
EXCESS OPTIONS $300, $500 or $1000 $300, $500 or $1000 $300, $500 or $1000

Insured Events

  • Fire
  • Theft or attempted theft
  • Storm and/or rainwater/flood
  • Bursting, leaking of pipes or fixed apparatus
  • Lightning or thunderbolt
  • Riot or civil commotion
  • Accidental breakage of glass
  • Power surge or fusion in domestic appliances
  • Impact
  • Explosion
  • Earthquake
  • Malicious damage

NOTE: Conditions apply. Full details can be obtained from the PDS.
Higher limits may be obtained under specified contents or specified personal property.

* Depreciation applied to electric motors over 10 years old only.
** Limitations apply.

Selecting your excess

You can now select your level of excess. The higher the level of excess you choose the bigger the discount you will receive.

Australian Unity does not offer Everyday, Extra or Elite Care Insurance for properties rented out to tenants. Instead we offer Landlords Insurance which includes optional loss of rent cover and much more. 

Calliden Insurance Limited (ABN 47 004 125 268, AFSL 234438) (“Calliden”) is the insurer of the Home and Contents, and Landlords insurance products available from Australian Unity Personal Financial Services Ltd (ABN 26 098 725 145, AFSL 234459) (“Australian Unity”).  Australian Unity acts as an agent for Calliden Agency Services Limited (ABN 15 096 726 895, AFSL 234437) (“CASL”) who in turn acts as an agent on behalf of Calliden, and does not act as your agent.  A Product Disclosure Statement for each of these products can be obtained by downloading it from this website or by calling 13 29 39 and should be considered when deciding whether to acquire, or to continue to hold, that product. Click here to view Calliden’s privacy policy.

Important Information

Please note that following the implementation of the Calliden members’ scheme of arrangement on 23 December 2014, Steadfast Group Limited now wholly owns the Calliden group of companies except for Calliden Insurance Limited (CIL). CIL is now a wholly owned subsidiary of the Munich Re group of companies. We are in the process of updating our publications to reflect this change in ownership. You can read more about this change here.

Financial Services Guides - Australian Unity Personal Financial Services

PLEASE NOTE: It is important that you read the Financial Services Guides (FSGs) of both Calliden Agency Services Ltd (agent for the insurer) and Australian Unity Personal Financial Services before acting on any advice or taking out a Calliden insurance product. Each of the FSGs is available here: FSG 1 of 2 - Calliden; FSG 2 of 2 - AUPFS.

pdf  Download PDF 186kb

Financial Services Guides - Calliden

pdf Download PDF 81kb

Everyday Care Product Disclosure Statement

pdf Download PDF 560kb

Extra Care Product Disclosure Statement

pdf Download PDF 383kb

Elite Care Product Disclosure Statement

pdf Download PDF 394kb