How can we help?
Popular searches
back to results
Related Questions
Need help?

If you don't find your answer here, get in touch with our insurance team.

1800 619 495

Home and Contents Insurance

  1. Home
  2. Insurance
  3. Home and Contents Insurance

Get cover. Get a chance to win $10K cash. T&Cs apply.

Get a quote Make a claim

Winning cover for the home you love

ING Home and Contents Insurance issued by Auto & General Insurance Company Limited not only helps protect what matters most to you. Because when you get new cover by 31 July 2026, it could put you in the running to win $10K cash too. So it really could pay to switch your cover to ING today.

Features
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 15% on your first year's premium online. T&Cs apply - see disclaimer below.

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

Save 30% on your first year's premium online. T&Cs apply - see disclaimer below.

For your biggest and not-so-big assets. Save 30% when you purchase combined Home and Contents Insurance.

Save 15% on your first year's premium online. T&Cs apply - see disclaimer below.

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

Get a quote
Get a quote
Get a quote

Compare the benefits across home, contents and combined insurance policies

Home insurance
Home and contents insurance
Contents insurance

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


The above is a summary only. Read the Product Disclosure Statements for full terms and conditions to help you make an informed product decision.

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. Please read the Product Disclosure Statement.

Home insurance
Home and contents insurance
Contents insurance

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.

Flood

Flood covers you for loss or damage caused by flood. Flood is the covering of normally dry land by water that has escaped or been released from the normal confines of: - a lake, river, creek, or other natural watercourse (whether or not any of them have been altered or modified) - a reservoir, canal or dam. Flood cover may not be available for some addresses.

Landlord options

For landlords who want extra cover - Tenant default and/or Theft and Malicious Damage by tenants.

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.

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.


The above is a summary only. Read the Product Disclosure Statements for full terms and conditions to help you make an informed product decision.

Documents and forms

Below are some of the documents important for you to consider. For the full list of documents click 'view more' below.

Product Disclosure Statement (PDS)

Applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023.


Key Facts Sheet - Home Building Insurance

Applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023.


Target Market Determination (TMD)

This TMD applies from 10 July 2025.

Key Facts Sheet - Contents Insurance

Applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023.


Privacy Policy

Customer Eligibility and Name Screening Document
How to save on premiums

How to save on premiums

Apply online

Apply online to save 30% on your first year's premium when you purchase combined Home and Contents Insurance. T&Cs apply - see disclaimer below.

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.

Save 30% on combined policies online (first year's premium only). T&Cs apply - see disclaimer below.

Get a quote

For help call 1800 619 495. For operating hours, contact us here.

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

Please note that Home & Contents Insurance is not available in NT, North QLD or Northern WA.

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

Save 30% on combined policies online (first year's premium only). T&Cs apply - see disclaimer below.

Get a quote

For help call 1800 619 495. For operating hours, contact us here.

Making a claim

Making a claim

Making a claim might feel a bit daunting, especially if you've never done it before. You can get an understanding of the claims process and start your claim by following these simple steps.

Step 1: Before you make a claim

  • What you need to do straight away,
  • emergency assistance and
  • understand your cover
Before a claim

Step 2: Making a claim

  • What do you need to make a claim?
  • Understanding your excess
  • Who will take care of your claim?
Making a claim

Step 3: After the lodgement

  • How the claims assessment works
  • Decision, settlement and repairs
  • Feedback and disputes
After lodgement
If you're ready to make a claim you can do it online or call 1800 619 495.
Start my claim
If you have an emergency, check the assistance action plan.
It's an emergency