Why Choose Bupa Home Insurance?
Bupa prides itself on helping customers deal with unwelcome damage caused by bushfires, storms, or floods. Our customer-first approach to service means we'll be here for you when you need us the most.
Our Australian-based customer care is here to lend a helping hand 24/7, so you're never alone when trouble comes knocking on your door.
Want to access your policy information anytime? You can, with our self-service portal.
Why not get a quote from Bupa today?
Find a flexible cover that fits your needs and budget.
So, you can get back to feeling right at home.
Already with Bupa? Get rewarded with a discount on your policy because of your Health Insurance membership+.
10% OFF+
for Bupa Health
Insurance members
15% OFF+
for Bupa Ultimate Health
Insurance members
What kind of home insurance do we offer?
If you're looking to compare home insurance, here's what's in and out across our three cover options.
| Because there’s a Home Insurance option to suit most budgets |
Bupa Home and Contents Cover Cover for your home and belongings with the flexibility to choose from three levels of protection with our Ultimate, Comprehensive and Basic cover. Find out more |
Bupa Home Cover Cover for the building you live in, plus other structures on your property like sheds and garages. Choose the right level of protection with our Ultimate, Comprehensive and Basic cover. Find out more |
Bupa Contents Cover Cover for your items at home, from jewellery to furniture and home fittings like carpet and curtains. Choose the right level of protection with our Ultimate, Comprehensive and Basic cover. Find out more |
|---|---|---|---|
| Residential buildings | |||
| Domestic outbuildings like garages and sheds | |||
| Permanently installed swimming pools and spas | |||
| Infrastructure supplying services like electricity and gas | |||
| Money | |||
| Furniture | |||
| Jewellery | |||
| Computer and software |
The important bits you’ll need to know
Prior to 1 July 2022, insurance was issued by Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance.
Need emergency home assistance?* Call us on 02 7201 506**
*Applies to customers with Home Emergency Assist cover included as part of their insurance policy.
**Call charges apply.
Need to make a claim? You'll find everything you need to know here.
If you have feedback or a complaint about a General Insurance product underwritten by CGU (policy issue date before 1 July 2022), find out more here. If you have a General Insurance product underwritten by Hollard and administered by Open (policy issue date on or after 1 July 2022), find out more here.
3 things to do when the unexpected happens:
Stay safe and prevent further damage
Your safety comes first. Once you and others involved are safe, do what you can to minimise or prevent further loss, damage, cost or liability. Call Emergency Services including the police if necessary.
Take notes
Carefully note what happened and when and make a list of damaged items. Take photos of any damage from different angles. Keep your policy number and receipts for damaged items handy before giving us a call.
Looking for more than just home insurance?
Landlords insurance
Car insurance
Travel insurance
~The term 'Unlimited' here means there is no capped dollar sum insured. Terms, conditions, limits and exclusions apply. Please refer to the Policy Benefits and General Exclusions Sections of the Product Disclosure Statement (PDS) for further details.
#Bupa Health members are able to obtain a 15% discount on Bupa Travel Insurance by successfully entering their membership number into the ‘Member Number’ section when entering trip details or by advising a consultant over the phone. This discount is based on standard premium rates. Not to be used in conjunction with any other offer. Terms, conditions, limits and exclusions apply. Refer to the Product Disclosure Statement (PDS).
Home Insurance FAQs
Can I take out Contents cover? Or Home cover?
You sure can. Like our Home and Contents Insurance, you can choose from three levels of cover (Ultimate, Comprehensive and Basic) when it comes to Contents and Home Insurance.
Which Bupa insurance will give me flood cover?
Bupa Home and Contents Insurance includes flood cover automatically. This means that you can rest assured knowing you’re covered for damage caused by flood except in the event of a storm surge.^
Does Bupa Home and Contents Insurance cover my mobile phone or tablet?
At Bupa, the cover available for your mobile phone or tablet under Bupa Home and Contents Insurance depends on the cover level selected. You can choose between Basic Cover or Comprehensive Cover or choose to upgrade to Bupa Ultimate Cover for extra protection. Your mobile phone or tablet cover is aligned to the cover type you have purchased. For example, Basic Cover provides cover for insured events, not accidental damage covered by Comprehensive Cover or Bupa Ultimate Cover.
Additionally, as part of our optional Portable Valuables cover, you can also cover your tablet anywhere in Australia for an additional premium but unfortunately not your mobile phone.
Does Bupa Home and Contents insurance cover renovations?
Bupa Home Insurance offers limited cover for buildings that are being renovated, however some restrictions apply.
- If the value of renovations is greater than $50,000 or is structural, we will not cover you for any legal liability arising from the renovations.
- We will not cover you for any water entering your home through an opening made for any renovations or repair work.
You must tell us if you are planning to renovate your property to ensure we can continue providing you with cover.
Disclaimer
*To be eligible for this offer from Bupa HI Pty Ltd (Bupa) you must reside in Australia, be over the age of 18, and take out a new Bupa Home Insurance policy between 12:00am AEST on 20 July 2022 and 11:59pm AEST on 31 August 2022 (Offer Period), online or over the phone, and pay upfront or via direct debit (Eligible Customer). An Eligible Home Insurance Policy is a Home & Contents, Home Only or Contents Only Insurance Policy (Eligible Policy). Eligible Customers will receive a digital $100 Visa Reward Card (for a Home & Contents Insurance Policy), or a digital $50 Visa Reward Card (for a Home Only or a Contents Only Insurance Policy) 60 days after taking out their Eligible Policy (Offer). Eligible Customers must hold their Eligible Policy at least 60 days from the day the policy commences to receive the Offer. Offer not available with any other Bupa promotional offer. Full Terms and Conditions at bupa.com.au/home-insurance/winter-terms. Bupa reserves the right to extend or replace this Offer at any time.
+Bupa Health members get a 10% discount and Bupa Ultimate Health members get a 15% discount that applies to their Bupa Home, Landlords, Car, and Pet Insurance policies for each year they are a Bupa Health member. Minimum premiums apply and may reduce the full advertised discount. We reserve the right to withdraw this discount at any time.
#Bupa Health members are able to obtain a 15% discount on Bupa Travel Insurance by successfully entering their membership number into the ‘Member Number’ section when entering trip details or by advising a consultant over the phone. This discount is based on standard premium rates. Not to be used in conjunction with any other offer. Terms, conditions, limits and exclusions apply. Refer to the Product Disclosure Statement (PDS).
^Please read the Product Disclosure Statement (PDS) on this website for terms, conditions, limits and exclusions that apply.
Bupa Home, Landlords, and Car Insurance is distributed by Bupa HI Pty Ltd ABN 81 000 057 590 (Bupa), an authorised representative (no. 354269) of Open Insurance Pty Ltd ABN 23 166 949 444, AFSL 451712 (Open). It is issued by Open on behalf of the insurer, The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436 (Hollard). Bupa and Open act as agents of Hollard and not on your behalf. Any advice is general only and does not take into account your personal circumstances. First read, on this website, the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) as well as the Target Market Determination (TMD) to help you decide if a product is right for you.
Bupa Travel Insurance is distributed by Bupa HI Pty Ltd (Bupa), an authorised representative of Open Insurance Pty Ltd, AFSL 451712 (Open). Open arranges this insurance as agent for AWP Australia Pty Ltd, AFSL 245631 trading as Allianz Global Assistance (AGA). AGA issues and manages travel insurance as agent for the insurer Allianz Australia Insurance Ltd, AFSL 234708. Terms, conditions, limits and exclusions apply. Any advice is general only and does not take into account your personal circumstances. Bupa, Open and AGA receive a percentage of the premium as commission. Before purchasing, consider the Product Disclosure Statement (PDS) and Financial Services Guide (FSG). Target Market Determination (TMD) available at bupatravelinsurance.com.au/tmd
Bupa Pet insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, is arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and is promoted and distributed by PetSure's Authorised Representative (AR) Bupa HI Pty Limited ABN 81 000 057 590, AR 354269. Any advice provided is general only, and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing. PDS and Target Market Determination (TMD) available at bupa.com.au/pet-insurance to see if these products are right for you.
Customer Support for family and domestic violence situations
If you are affected by a domestic or family violence situation, please read the applicable domestic and family violence policy here, to understand the ways they can support and assist you:The General Insurance Code of Practice
We proudly support the General Insurance Code of Practice, which sets out the standards that general insurance companies must meet when providing services to their customers. The Code covers car insurance, home insurance, travel insurance and pet insurance. You can read and download the Code at: codeofpractice.com.au.