Home and Contents Insurance
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Protect your home and precious possessions
Your home and its contents are among your most valuable assets, and you’ve worked hard to accumulate them. This is why our home building and contents insurance includes a range of features and benefits, to give you the peace of mind that Hume is here to help should the unexpected happen.
Get a quote online today, call us on 02 6051 3299, or ask at your local Hume branch
Get a quote
Benefits of home insurance with Hume:
| Simple - Get a quote and buy online. |
| Affordable - Competitive prices with no additional policy fee to pay by the month#. |
| Choice - A comprehensive range of home and contents insurance products to suit different budgets and needs. |
| Easy claims process - We understand that if you need to make a claim, you want to be able to settle it quickly and with a minimum of fuss. |
Save on your Home Insurance
Through Allianz, Hume offers a variety of discounts to help you save even more
| Combined building and contents discount - When you combine your building and contents cover on the one policy, you’ll be rewarded with a discount of up to 10%+. |
| 30% no-claim bonus discount - 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, up to a maximum 30% *@+. |
| 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. |
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Home and Contents Insurance
| Features and benefits | Prestige Home | Classic Home | Vital Home |
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| Insured events cover |
N |
Y |
Y |
| Accidental loss or damage |
Y |
N |
N |
| Accidental breakage of glass |
Y |
Y |
Y |
| Additional cost of temporary accommodation |
Up to 10% of contents sum insured combined with 'Removal of debris, professional fees, and extra costs' |
Up to 10% of contents sum insured combined with 'Removal of debris, professional fees, and extra costs' |
Up to 10% of contents sum insured combined with 'Removal of debris, professional fees, and extra costs' |
| Automatic indexation of sum insured |
Y |
Y |
Y |
| Compensation for death |
Up to $10,000 |
Up to $10,000 |
Up to $10,000 |
| Contents in open air at the risk address |
Sub-limits for selected contents based on insured events loss or damage |
Sub-limits for selected contents based on insured events loss or damage |
Sub-limits for selected contents based on insured events loss or damage |
| Contents in safe deposit box – Accidental loss or damage, excluding theft |
Up to 20% of contents sum insured |
Up to 20% of contents sum insured |
Up to 20% of contents sum insured |
| Credit cards - cover for loss or theft |
Up to $5,000 |
Up to $5,000 |
Up to $2,500 |
| Fusion of electric motors |
Motors up to 12 years old |
Motors up to 10 years old |
N |
| Guests', visitors' and domestic helpers' property |
Up to $5,000 |
Up to $5,000 |
Up to $5,000 |
| Landlords' contents |
N |
Up to $10,000 |
Up to $10,000 |
| Legal liability cover |
Up to $20,000,000 |
Up to $20,000,000 |
Up to $10,000,000 |
| Modifications to buildings for paraplegia and quadriplegia |
Up to $10,000 |
Up to $10,000 |
Up to $10,000 |
| Replacement of locks and cylinders |
Up to $2,000 |
Up to $1,000 |
Up to $1,000 |
| Security firm attendance |
Up to $500 |
Up to $500 |
Up to $500 |
| Spoilage of refrigerated/freezer food |
No specific limit |
Up to $500 |
N |
| Temporary removal of Contents from your risk address |
Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing / or up to $7,500 for contents anywhere else in Australia or NZ. |
Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing |
Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing |
| Title deeds |
Up to $2,000 |
Up to $2,000 |
Up to $2,000 |
| Veterinary costs |
Up to $500 |
Up to $500 |
Up to $500 |
The above table is a summary only
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For full details of conditions and exclusions of all our cover options, please refer to the Prestige Home Insurance, Classic Home Insurance and Vital Home Insurance Product Disclosure Statements.
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#Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.
* Minimum premiums may apply. Any discounts/entitlements 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.
@ To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However customers who have had up to two claims may still qualify for reduced No Claim Bonus.
+ Discounts may not be applied to any flood component of the premium (if applicable)
Hume Building Society Limited arranges this insurance as agent for the insurer Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFS Licence No. 234708. We do not provide advice on this insurance based on any consideration of your objectives financial situation or needs. Terms, conditions and exclusions apply. Before making a decision please read the Product Disclosure Statement available here or by calling Hume on 02 6051 3299.If you purchase this insurance, Hume Building Society Limited will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.
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