Home insurance

Home Insurance

At ING, we’ve got you covered. Thanks to our Full Building Replacement cover, we won’t leave you out of pocket.

 

To help you understand what’s covered with our home insurance, we have detailed the main benefits along with an example to demonstrate what this could mean to your property.

Benefit What this could mean to you Building Contents

Full building replacement - underinsurance protection

Your home which is insured for $200,000 is destroyed by fire and needs to be rebuilt from scratch. Upon lodging a claim, the rebuilding costs are estimated to be $250,000. We will cover the difference and rebuild for $250,000.

Automatic membership for Pride, ING Australia's insurance customer loyalty program

For every dollar of premium paid you will earn Pride Points which you can redeem for a wide range of quality merchandise and shopping vouchers.

Rebuilding fees*

Your home is destroyed by fire. Your professional fees, within reasonable limit, are covered and paid in addition to the rebuilding costs.

Demolition and removal of debris*

Your home is destroyed by fire. The cost of demolition and debris removal, within reasonable limits, is covered and paid in addition to the rebuilding cost.

Additional benefits for over 50s 

Customers aged 50 or over receive savings on their premium plus unique benefits

Pay by the month at no extra charge

You may find it difficult to pay for your insurance in a single annual premium, why not pay by the month at no extra charge.

Natural Events such as storm, rainwater, wind (except flood), landslide or subsidence

Buildings - Following a storm your 14 year old fence in your yard blows down. The repair cost is covered.

Contents - Tiles blow off your roof in a storm and rainwater enters your house, damaging your carpets and curtains. The cost of repair or replacement is covered.

Accidental glass breakage

Buildings – A cricket ball flies through the kitchen window. The repair cost or replacement is covered.

Contents - You trip and fall into a cabinet and break the glass in the cabinet doors. The cost of repair or replacement is covered.

Impact damage

You’re pruning your gum tree and a branch falls on your roof and damages the gutter. The repair cost is covered.

Electrical motor burnout (fusion) & power surge

The motor in your 14 year old inbuilt air conditioner burns out. The cost of repairing or replacing is covered.

Alternate temporary accommodation (including pets)

Your home is destroyed by fire. The cost of alternate accommodation is covered (including your pet cat) while your home is being repaired or rebuilt.

Personal liability

A visitor is injured in your house as a result of falling down some unstable stairs. You are covered for legal liability costs associated with your visitor’s injury up to $20 million.

Replacement of locks & keys

Your house is broken into and your keys are stolen and front door lock damaged. The cost of new locks and keys including any recoding of locks and barrels is covered.

Trees, plants and shrubs

Your newly planted trees are stolen from your front garden. The replacement costs are covered up to $1500.

Your expensive potted plants are stolen from your backyard. Their replacement costs are covered.

Water or liquid damage

The pipes leading to the dishwasher develop a leak and damage the floor boards in the living room. The cost of replacing the ruined floor boards is covered.

Contents in the open air

Your brand new $1,500 BBQ is stolen from your backyard. The cost of replacement is covered.

New for old replacement regardless of age

Your 15 year old TV is stolen. The cost of replacement is covered for an equivalent new TV with similar features.

Theft

Your house is broken into and your laptop ($2,500), CD collection ($1,500), TV ($1,999) and jewellery ($2,900) are stolen. The cost of replacement is covered.

Contents in transit

You’re moving house and the truck carrying your home contents is involved in an accident. As a result, your cupboard is damaged. The cost of repair or replacement is covered.

Storage cover

Your contents are covered up to your sum insured while in commercial storage for loss or damage as a result of an event we have agreed to cover.

Please note that if you only choose buildings insurance cover, your contents will not be covered if they are destroyed, lost or damaged. Similarly, if you only choose contents insurance cover, your building will not be covered if it is destroyed or damaged.

To understand more about the terms and conditions for each home and contents insurance benefit please refer to the Product Disclosure Statement (240kb PDF). Alternatively, read our customer quick reference guide (97kb PDF).

More information

Have you considered

* If the buildings needs to be rebuilt as a result of a total loss which we have agreed to cover.

Home, car, travel and landlord insurance products are underwritten and issued by ING General Insurance Pty Limited (ABN 56 072 892 365, AFSL 288 160) (ING General Insurance) and QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545) (QBE). The material provided is general advice and does not take into account your personal objectives, financial situation and needs and you should consider whether it is appropriate for you. Please refer to the relevant Product Disclosure Statement (240kb PDF) for further details.