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Home & Contents insurance, everything you need to know to help you save

The HIAIS Home & Contents Insurance policy has been designed to suit the common insurance needs of the average Australian homeowner, and provides members with the opportunity to save up to 50 per cent^ for their combined home and contents insurance, when purchasing online.

Protect your biggest asset

A home is one of the biggest investments you’ll ever make. Minor and inconvenient mishaps, such as a broken window, can happen without warning just as easily as major disasters. When you have worked hard to purchase your home, protecting it should be a top priority.

All-round protection

Insurance is an essential part of protecting your assets, such as a home and everything within, but it can come with a hefty price tag.

The HIA Insurance Services (HIAIS) Home & Contents Insurance policy, however, offers flexible options that provide more value for money, such as:

  • Online discount: If you take out or switch your policy to the new home and contents insurance from HIAIS online, you can save up to 50 per cent^. Buying online cuts out costs to insurers to pay for call-centre staff, so savings are passed onto the purchaser.
  • Theft protection: Protecting your home with anti-theft measures can reduce your premium. This policy recognises security measures such as alarms, deadlocks, smoke alarms, security screens on doors and windows, and home alarm monitoring to help homeowners save.
  • Increasing your excess: An excess is the amount you need to pay when you want to make a claim. Increasing this amount may lower your premium and ensure you have spare cash when you need it.

Value for money

HIAIS’ Home & Contents Insurance policy is designed to not only save members money, but provide a flexible, comprehensive policy with inclusions that offer peace of mind. It covers damage or loss caused by fire, earthquake, theft, storm or unexpected escape of liquid, as well as malicious damage and vandalism to a home residence, garage, deck, and more. The product is also designed so homeowners don’t pay for cover that is not required.

The policy includes:

  • Up to $20 million legal liability cover: this provides protection against the financial risk of being found liable to a third party for death or injury and/or loss or damage to property.
  • Contents in open air: a large differentiator between policies is the level of cover for contents that are damaged or stolen when left outside.
  • Temporary accommodation: if disaster strikes, such as flood or fire, accommodation costs in the meantime can amount to thousands.
  • Contents temporarily removed from the insured address: this covers loss or damage as a result of an insured event (limits apply).
  • Debris removal: this can cost thousands and is often overlooked when buying insurance.
  • 24-hour claim service: this provides customers with quick and efficient claim resolutions.

Save on your premium

The insurance cover is designed to be flexible with optional extras, which can help you save extra on your premium if they are not required.


^ Off the standard base rate when purchased online. Insurance is not available in the NT, and selected locations in North QLD and Northern WA, and for homes with a replacement value of greater than $1.5 million. We reserve the right to change the offer without notice. Base rate premiums subject to change. The discount does not apply to any renewal offer of insurance.


1800 762 872