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Home & Contents Insurance

Competitively priced home & contents insurances to suit every budget.

Whether you live in an inner-city apartment, a house in the suburbs, or even by the sea, there’s nothing more important than protecting your place.
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Call 1800 171 889 to discuss your requirements

With a Home and Contents Insurance plan from Australian Unity, you’ll get:

  • Cover for fire, flooding & other natural disasters
  • Cover for theft & vandalism  
  • 'New for Old' replacement on most items
  • $30 million of personal legal liability cover
  • Quick & easy claims

Peace of mind, that’s friendly to your budget

Competitive, convenient cover backed by QBE

We know insurance is the last thing anyone wants to think about. That’s why we do everything we can to make things easy. You can apply online or by phone. There are even flexible payment options including fortnightly, monthly, or annual direct debit or credit card payments (excluding Diners Club).

If an insured event occurs, we make claiming easy too. Australian Unity Home and Contents insurance policies are underwritten by QBE Insurance (Australia) Ltd, one of Australia’s leading insurers. You get QBE's experience, security and strength – as well as its prompt, efficient and friendly claims service.

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Important information

Getting the right cover is important. That’s why we’ve put all the extra information you need in one, easy to use place. 

Your home is unique, so when nominating your sum insured you should carefully consider the cost to remove debris and rebuild at today’s prices. To make things easy for you, QBE provides a useful Home Contents Calculator and a Home Building Calculator to help you determine your sum insured and you can contact us for assistance on 1800 171 889.

If you need to make a claim we won't make you wade through paperwork. QBE has a 24-hour emergency claims number. In most cases, you need just provide details over the phone. To make a claim, call 1300 734 729.

An excess may apply to a claim you make under your policy. The amount of the excess is shown on your Certificate of Insurance. This excess will apply to each event that results in a claim.

It’s important you read the relevant Financial Services Guide before acting on any advice or taking out insurance through us. You can download the FSG here.

There are various ways to enjoy discounts on your premium when you take out insurance through Australian Unity. See the PDS for terms and conditions.

Select your excess

Your excess is the initial amount you may have to pay yourself if you make a claim. To make life easier, you can choose your level of excess at the time of applying for cover. The higher the excess you choose, the lower the premium you’ll pay.

No claims bonus

A range of bonuses are available that reward you for not making a claim. Terms and conditions apply. To find out if you’re eligible, call us on 1800 171 889.

Seniors discount

Named policyholders over 50 years old are entitled to the over 50s discount.

Retirees' discount

If you are retired and no longer working more than 20 hours a week your premium will reflect the lower-risk nature of your circumstances.

Multi-policy discount#

If you hold one of our QBE-backed policies, you’ll receive a discount on each additional QBE Insurance policy you take out through us.

#Multi-policy discount is available on your first policy after renewal and is available for Home, Landlord and Motor vehicle policies that you purchase through Australian Unity.

Terms, conditions and acceptance criteria apply. Applicable cover limits and exclusions are specified in the combined PDS and policy wording.

Cover is subject to acceptance and terms and conditions apply.

Australian Unity home and contents insurance products are issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545). The promoter of Australian Unity Home Cover is Australian Unity Personal Financial Services Limited (AUPFS) (ABN 26 098 725 145, AFSL 234459), 114 Albert Road, South Melbourne, VIC 3205), a subsidiary of Australian Unity Limited. It is important that you read our Financial Services Guide before acting on any advice or acquiring any insurance product through AUPFS as agent of the insurer. The AUPFS FSG is available here.

Any statement on this site is general advice only and does not consider your personal situation or objectives. You should read the relevant Product Disclosure Statement (PDS) before deciding to acquire a product. Please review the cover limits, definitions and exclusions as set out in the combined PDS and policy wording to determine whether the product is right for you. This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether the product is appropriate for your needs.

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