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Building and Contents Insurance

Because home will always be our castle.

With Bupa Building and Contents Insurance, you can be prepared for whenever the unexpected happens at home, including the things you treasure.

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Bupa Health members save 10% each year

Why Bupa Building and Contents Insurance?

Like any castle, yours is best kept safe. From protecting its roof and four walls, to making sure what you have inside and out – everything that helps make your house a home – is covered.

No matter which level of cover you choose – Gold, Silver or Bronze – you can enjoy peace of mind knowing that your Bupa Home Insurance has your back.

Plus, there’s 24/7 emergency claims assistance for whenever you need a helping hand – day or night.

Already with Bupa? Get rewarded with a discount on your policy because of your Health membership+.

10% OFF+

for Bupa Health
members

15% OFF+

for Bupa Ultimate Health
members

You choose your level of cover

Because there’s a home and contents insurance option to suit almost any budget Gold

Accidental Damage

The highest level of Bupa Home Insurance

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Silver

Listed Events

A great mid-range level of Bupa Home Insurance

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Bronze

Fundamentals

Bupa Home Insurance that helps cover the essentials

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Automatic Flood Cover
New-for-old contents replacement cover
Alternative accommodation
Paid on top of the sum insured (Up to 10% sum insured)
Costs for demolishing and to remove debris
Paid on top of the sum insured (Up to 10% sum insured)
Architects, surveyors and legal fees if your home needs to be rebuilt
Paid on top of the sums insured (Up to 10% sum insured)
Credit card and transaction card misuse Up to $5,000 Up to $5,000 Up to $1,000
Replacing keys and recoding of locks and barrels No limit Up to $1,000 Up to $1,000
Paintings, fine art and works of art
Up to $20,000 per item unless specified
CDs, DVDs, Blu-Ray discs and software
Up to $20,000 per item or boxed set
Frozen food
Should your freezer breakdown
Includes accidents Up to $500
Vet expenses if your pet is injured as a result of aroad accident Up to $500 Up to $500
Optional additional valuables cover
Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)
Contents at home in the open air Up to $2,000 for the events listed Up to $1,000 for the events listed
Burning out of electrical motors
for motors less than 15 years old
Valuable items
Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc
20% of sums insured or $7,500 whichever is greater (up to $2,500 per item) 20% of sums insured or $5,000 whichever is greater (up to $2,500 per item) 20% of sums insured or $2,000 whichever is greater (up to $1,000 per item)
Accidental damage or accidental loss
*Please read the Product Disclosure Statement (PDS) for terms, conditions, limits and exclusions that apply.

The important bits to know

*Read the Target Market Determination (TMD) plus the relevant Product Disclosure Statement (PDS) for full terms, conditions, limits, inclusions and exclusions.

Gold -
Accidental Damage PDS

The highest level of Bupa Home Insurance includes the usual things, plus cover for items that you accidentally break or lose.*

Silver -
Listed Events PDS

Quality is a great mid-range level of Bupa Home Insurance, with the option to add extra valuables cover and more.*

Bronze -
Fundamentals PDS

Offering protection from floods, fires, break-ins and more, this level of Bupa Home Insurance helps cover the essentials.*


Read the Bupa Home Building Key Facts Sheet and the Bupa Home Contents Key Facts Sheet.

Need to make a claim? You’ll find everything you need to know here.

Looking for more than just home insurance?

Landlords Insurance tile

Landlords insurance

Choose from three levels of cover to help keep your investment rental properties safe and sound. Plus, Bupa Health members get 10% off+.
Car Insurance tile

Car insurance

Get back on the road sooner with our 24/7 claims assistance and trusted repairer network. Plus, Bupa Health members get 10% off+.
Travel Insurance tile

Travel insurance

Feel protected and prepared for the unexpected while you’re away from home – here or overseas. Plus, Bupa Health members get 15% off+.
Please read the Product Disclosure Statement (PDS) for terms, conditions, limits and exclusions that apply.

If you have questions, we have answers

And if you can’t find what you’re looking for about Bupa Home Insurance in our FAQs, speak with one of our helpful team members on 1300 963 952

Read our FAQs

Customer support for family and domestic violence situations

At Bupa, our Travel, Motor Vehicle and Home Insurance policies are issued and underwritten by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 (IAL), who also manage our insurance claims. If you’re suffering from a family and domestic violence situation, please read IAL’s Family and Domestic Violence Policy to understand the ways they can support and assist you.
Disclaimer

+Minimum premiums may apply. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium, we may also limit any increases or decreases in your premium by considering factors including at renewal your previous year's premium amount. When you purchase your policy and at renewal you may not receive the full discount based on the premium calculation process. For Landlord policies, this discount will not apply to the cost of the liability cover under those policies. This offer can change or be removed at the renewal of a Bupa Home, Car, Landlords, Valuables or Travel policy.

The General Insurance Code of Practice

We proudly support the General Insurance Code of Practice, which aims to raise the standards of practice and service in the general insurance industry. This includes car insurance, travel insurance and home insurance. For more information, please download a copy of the General Insurance Code of Practice (PDF 140kB) or the Financial Services Guide (FSG) (PDF 258kB).

Bupa Home Insurance is distributed by Bupa HI Pty Ltd ABN 81 000 057 590 an authorised representative of the issuer, Insurance Australia Limited ABN 11 000 016 722 AFSL 227681, trading as CGU Insurance. Any advice is general only and does not take into account your personal circumstances. Consider the relevant Product Disclosure Statement (PDS) available at bupa.com.au/home-insurance and Target Market Determination (TMD) to see if these products are right for you.

Bupa Car Insurance, Bupa Travel Insurance and Bupa Landlords Insurance is distributed by Bupa HI Pty Ltd ABN 81 000 057 590 an authorised representative of the issuer, Insurance Australia Limited ABN 11 000 016 722 AFSL 227681, trading as CGU Insurance. Any advice is general only and does not take into account your personal circumstances. Consider the relevant Product Disclosure Statement (PDS) (Car InsuranceTravel Insurance and Landlords Insurance) and Target Market Determination (TMD) (Car Insurance, Travel Insurance and Landlords Insurance) to see if the product is right for you.