How can we help?
Popular searches

Home and Contents Insurance

ING Home and Contents Insurance

Pay less to protect the heart of your home.

Save up to 30%

When you purchase new combined ING Home and Contents Insurance online.

Get a quote

Why insure with ING?

  • Save up to 30%

    Breathe easier and save up to 30% on new policies when you combine home with contents insurance online.

  • Flexible cover

    Choose the cover that's right for you - home, contents, home and contents, optional covers - and your preferred start date.

  • Comprehensive protection

    Fire, storm, theft, malicious damage, new for old replacement cover, $20 million liability cover and more.

  • 24/7 claims

    Claims can be made 24/7 online and over the phone, and there are no lengthy forms.

  • Money back guarantee

    Get a full refund if you need to cancel your policy within the first 21 days and haven't made a claim.

  • Here if you need

    Our customer care specialists are here 8am-6pm Mon-Fri and 8am-5pm Sat (AEDT) - 1800 456 406.

  • A simpler life

    Save yourself the insurance run-around by keeping everything under one roof with ING.

  • Convenient set-up

    Our new home loan customers receive an indicative estimate straight after formal approval - and you can tailor your cover in minutes.

Read the Product Disclosure Statement for all the detail on standard cover, optional covers and exclusions.

Important information

You could save up to 30% online.

For help call 1800 456 406, 8am-6pm Mon-Fri and 9am-5pm Sat (AEST).

Cover choices explained

Cover choices explained

Start with a standard policy and build around it to create the cover that's right for you.

Home insurance
Home and contents insurance
Contents insurance

Save up to 15% online - new policies

Also known as building or house insurance. Covers the building, domestic fixtures and permanent structural improvements.

Save up to 30% online - new policies

For your biggest and not-so-big assets. Combine your cover online and save 30%.

Save up to 15% online - new policies

For many of the things you own or are legally responsible for, including furniture, appliances and carpets.

Compare the benefits across home, contents and combined insurance policies

Up to $20m legal liability cover
Fire cover
Explosion cover
Theft or attempted theft
Malicious damage, vandalism, riot or civil commotion
Breakage of glass, ceramic and sanitary fixtures
Storm or rainwater damage
Lightning cover
Earthquake or Tsunami cover
Escape of liquid
Impact cover
Lump sum or instalment payments
Debris removal and extra costs of rebuilding
Temporary accommodation
Mortgage discharge costs
Funeral expenses up to $7,000
Replacement of locks and stolen keys up to $1,000
Uninsured guests' content cover up to $500
Unattached equipment cover up to $500

Depending on the cover you're looking at, these options are a great way to customise your policy to better suit your situation. Note that additional premiums and exclusions apply.

Personal effects

For personal possessions, including those taken outside of the home and higher value pieces like jewellery.

Motor burnout

For power surges that burn out or damage motors in electrical appliances.

Accidental damage

You can choose to extend your cover even further to include accidental damage to your home and contents.


Covers you for the cost of damage caused to your home by flooding rivers, creeks and other bodies of water. Flood cover may not be available for some addresses.

Home sum insured safeguard

Extends your home insured sum by up to 25% if your nominated sum isn't enough to replace or repair damage to your property.


Covers owners of investment properties for tenant default, theft and malicious damage.

Commercial Storage

We will cover loss or damage caused by an insured event to contents stored in a commercial storage facility for your period of insurance. This only includes contents covered under your Contents Insurance cover, and during the period of insurance.

Product Disclosure Statement (PDS)

All the detail to help you make an informed decision.

Key Facts Sheet - Home Building Insurance

Home/building insurance simply explained.

Key Facts Sheet - Contents Insurance

Contents insurance simply explained.

Financial Services Guide

Important information about Home and Contents Insurance.

Customer Eligibility and Name-Screening Document

A short explanation about your information and how we use it to comply with our regulatory obligations.

NSW Emergency Services Levy

A message from the NSW Emergency Services Levy Insurance Monitor.

You could save up to 30% online.

For help call 1800 456 406, 8am-6pm Mon-Fri and 9am-5pm Sat (AEST).

How to save on premiums

How to save on premiums

Apply online

Apply online to save up to 30% on ING Home and Contents Insurance.

Increase your excess

You could increase your excess to a level you are comfortable with to reduce your premium.

Insure smartly

For home insurance, don’t include the cost of your land – only your building’s replacement value. Consider the internal fixtures and fittings, and any structural improvements like in-ground swimming pool, awnings, fencing etc.

Increase your home security

Install security equipment around the house to potentially lower your risk and premiums.

You could save up to 30% online.

For help call 1800 456 406, 8am-6pm Mon-Fri and 9am-5pm Sat (AEST).

See what our customers told us
they saved

See what our customers told us they saved

Choose an insurance policy and state to find out how much our customers told us they saved on average.

Insurance Policy Please select insurance policy
Customers of ING, living in
State Please select your state
Told us they saved an average of

Figures represent average savings based on data provided to us by new customers who switched online to ING's combined Home & Contents Insurance between 27/03/2018 and 27/09/2018. Individual circumstances and policy terms may vary. Please compare for yourself. Subject to meeting Underwriting criteria.


Got a question about Home and Contents Insurance?

Chances are, you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

You could save up to 30% online.

For help call 1800 456 406, 8am-6pm Mon-Fri and 9am-5pm Sat (AEST).

How to get covered

How to get covered

We've made it simple to set up. Your property and possessions could be covered in minutes.

1. Get a quote

Answer a few simple questions online for an on-the-spot quote.

2. Review and purchase

Review your quote, add optional extras as required and purchase within 30 days.

3. It's that easy

We send you an email straight away confirming your policy – cover starts on your day of choice.

To request a quote, you need to be aged 16+ and have an email address. You'll need the following information lined up too:

Type of cover you want

The policy holder and your home and/or insurance history

The property in question

You could save up to 30% online.

For help call 1800 456 406, 8am-6pm Mon-Fri and 9am-5pm Sat (AEST).

Making a claim

Making a claim

These are your pointers for getting started.

1. Gather the facts

Gather as much information as possible about what happened and what you need.

2. Lodge your claim

You can lodge a claim 24/7 online or get help over the phone.

Lodge your claim now

3. Get your outcome

Once we have your claim and confirm we have everything we need, your outcome is advised within 10 business days.

It's important to have the following at hand when lodging your claim:

Policy number

Police report number (if applicable)

Damage reports (as required from roofers, technicians etc)

Repair or replacement quotes for damaged property

Incident details, such as time and place

Photos of damage or loss

Ownership of contents evidence (receipts, invoices, photos etc)

For the detail on cover and claims, please check the Product Disclosure Statement.

Ready to make a claim online?

There are no lengthy forms.

Need help? We're here 24/7 over the phone. Call 1800 611 422