Compare Home Insurance
Compare home buildings insurance at a glance
If you are looking to purchase buildings cover only, the following table may assist you in deciding which 1300 Insurance Home Insurance product best suits your needs.
If you are looking to purchase contents cover only, please refer to the contents cover comparison table here.
If you are looking to purchase both buildings and contents covers, please refer to the buildings and contents cover comparison table here.
This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance Product Disclosure Statement (PDS), Key Fact Sheet (KFS).
| Vital | Classic | Prestige | |
|---|---|---|---|
| Get a quote | Get a quote | Get a quote | |
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By proceeding to get a quote, you agree to receive the Financial Services Guide (FSG) on this website. |
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Key Benefits |
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Events Covered |
Insured Events
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Insured Events
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Accidental loss or damage unless specifically excluded (Flood cover is optional, subject to eligibility) |
Automatic indexation of sums insured |
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Compensation for death |
$10,000 | $10,000 | $10,000 |
Compensation for Fracture (Limits apply depending on the bone(s) fractured – see PDS for details) |
- | Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance |
Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance |
Environmental benefits when rebuilding after a total loss |
Up to $5,000 |
Up to $5,000 |
Up to $5,000 |
Landscaping |
- | Up to $2,000 |
Up to $5,000 |
Fusion (burnout of household electric motors) |
- | Motors up to 10 years old |
Motors up to 12 years old |
See more benefits |
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Mortgage Discharge Costs |
Up to $5,000 |
Up to $5,000 |
Up to $5,000 |
Landlords' contents |
Up to $10,000 |
Up to $10,000 |
- |
Legal liability cover |
Up to $10,000,000 |
Up to $20,000,000 |
Up to $20,000,000 |
Modifications to buildings for paraplegia & quadriplegia |
Up to $10,000 |
Up to $10,000 |
Up to $10,000 |
Replacement of locks or cylinders |
Up to $1,000 |
Up to $1,000 |
Up to $2,000 |
| Get a quote | Get a quote | Get a quote | |
|
By proceeding to get a quote, you agree to receive the Financial Services Guide (FSG) on this website. |
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Important information
1300 Insurance Pty Ltd ABN 50 124 845 727 AR Number 327609 is authorised to arrange and provide written general advice on this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz). We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply.
Before making a decision, please consider the relevant Product Disclosure Statement available here. If you purchase this insurance, we will receive a commission that is a percentage of the premium. We will also receive a percentage of the profit which exceeds the profit threshold on Home (excluding flood), Landlord (excluding flood), Motor and Caravan and Trailer policies arranged or referred by us (or renewed with Allianz) in each calendar year, provided that the relevant premium threshold is met for those policies and Business insurance policies that we refer to Allianz. From 1 September 2018, we will also receive an annual marketing allowance from Allianz for promoting its products. This is calculated as a percentage of the premium on Home, Landlord, Motor, Caravan and Trailer and Business insurance policies arranged or referred by us to Allianz in the previous 12-month period. Ask us for more details before we provide you with services.