Why choose Bupa Home and Contents 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
You choose your level of cover
| Because there’s a Home Insurance option to suit most budgets | Bupa Ultimate Cover Our highest level of Bupa Home and Contents Insurance Get a quote |
Bupa Comprehensive Cover Our mid-range level of Bupa Home and Contents Insurance Get a quote |
Bupa Basic Cover Our basic level of Bupa Home and Contents Insurance that helps cover the essentials Get a quote |
|---|---|---|---|
| Cover for loss or damage due to fires (including bushfires), floods, storms or rain | |||
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Escape of liquid Cover for loss or damage to your building caused by the unexpected escape of liquids from sudden burst pipes, taps, dishwashers and more. |
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| Accidental damage | |||
| Emergency accommodation Cover for emergency accommodation if you can’t safely stay at home because of loss or damage caused by a covered event. |
20% of your home sum insured |
Lesser of 12 months of rent or 10% of sum insured |
Lesser of 12 months of rent or 10% of sum insured |
| Costs to demolish and remove debris including cover for any architectural or council fees |
Up to 20% of sum insured |
Up to 10% of sum insured |
Up to 10% of sum insured |
| New-for-old contents replacements cover | |||
| Contents in the open air at home |
Up to $2,000 per item (and up to contents sum insured for garden furniture and BBQs) and $8,000 per claim |
Up to $2,000 per item (and up to contents sum insured for garden furniture and BBQs) and $8,000 per claim |
Up to $1,000 per item (and up to contents sum insured for garden furniture and BBQs) and $4,000 per claim |
| Contents in your home office |
Up to $10,000 |
Up to $5,000 |
Up to $2,500 |
| Jewellery and watches |
$10,000 per item, pair or set up to 20% of your contents sum insured in total |
$1,000 per item, up to $5,000 per collection per insured event |
$1,000 per item, up to $2,500 per collection per insured event |
| Replacement locks |
Up to $1,500 |
Up to $1,500 |
Up to $750 |
| Spoilage of food in the fridge or freezer |
Up to $2,000 |
Up to $1,000 |
Up to $500 |
| Optional Portable Valuables Cover (with a reduced excess of $100) |
Covered anywhere in Australia and New Zealand |
Covered anywhere in Australia |
Covered anywhere in Australia |
| Electrical motor burnout We’ll pay the cost of repairing or replacing a motor which forms part of your home e.g. automatic garage door. |
Up to $2,000 |
||
| Liability cover |
Up to $30 million |
Up to $20 million |
Up to $20 million |
Looking for a different type of cover?
Compare our home insurance policies and find the best fit for you.
Want to know more about the different kinds of cover we offer?
Learn more about our Home and Contents Insurance options.
The important bits you'll need to know
Click here to access the Bupa Home Insurance Product Disclosure Statement (PDS) for full terms, conditions, inclusions, and exclusions.
View the Target Market Determination (TMD) here.
| Key Contact Numbers | |
|---|---|
| Get in touch (during business hours): |
Sales, Service – 1300 556 721 |
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If you have purchased Bupa Roadside Emergency Assist along with your Bupa Car or Bupa Ultimate Car Insurance policy • Car broken down • Flat battery • Out of Fuel • Electric vehicle out of charge • Minor roadside repairs • Lost or locked keys • Towing • Caravan and trailer assistance |
Bupa Roadside Emergency Assist |
|
If you have purchased Bupa Home Emergency Assist along with your Bupa Home or Bupa Landlords Insurance policy • Electricity Supply System Failure • Gas Supply System Failure • Locked Door • Main Air Conditioning System breakdown • Main Heating System breakdown • Broken external door and window • Plumbing failure |
Bupa Home Emergency Assist Call 1300 925 772 |
|
24/7 Emergency Claims assistance. For immediate problems including (but not limited to) • Travel emergencies • Road accident • Car theft • Fire • Flood damage • Emergency accommodation |
Call (02) 7201 5060
|
Need to make a claim? You’ll find everything you need to make a claim here.
If you have feedback or a complaint about a Bupa Home, Car or Landlord Insurance product find out more here.
Looking for more than just home insurance?
Landlords insurance
Safeguard your most valuable investment against theft and damage due to natural disasters with optional extras to cover your property, its contents, or both. Plus, Bupa Health Insurance members get 10% off+ and Bupa Ultimate Health Insurance members get 15% off+.
Terms and Conditions apply.
+ Current Bupa Health members with an active membership get a 10% premium discount that applies to their Bupa Home, Contents, Landlords, Car, Phone & Cyber and Pet Insurance policies and Bupa Ultimate Health members get a 15% premium discount that applies to their Bupa Home, Contents, Landlords and Car Insurance. These member discounts apply to each policy term while remaining a Bupa Health member. Minimum premiums may reduce the full advertised discount. Discount(s) does not apply to taxes, government charges, fees or optional non-insurance services (e.g. roadside assistance). We reserve the right to withdraw this discount at any time.
Car insurance
Getting you back on track
Choose a cover that suits you with options such as Excess-Free Windscreen and Pay As You Drive on Comprehensive cover. T&Cs apply.
Plus, Bupa Health Members get up to 15% off+ on their premium each year.
Terms and Conditions apply.
^ Bupa [$100] Visa eGift Card promotional terms for new comprehensive and ultimate car insurance customers. Offer Period: Promotion starts 12:01am AEDT 1 May 2026 and ends 11:59pm AEDT 31 July 2026. Bupa reserves the right to withdraw, change or extend this offer at any time. Eligible Policies: 1) Bupa Ultimate Comprehensive Car Insurance Cover, and 2) Bupa Comprehensive Car Insurance Cover only Eligible Customers: Australian Residents aged 18 or over, who are not Bupa staff and who do not hold or have not held an Eligible Policy for the same risk in the past12 months. Eligible quotes: Eligible Customers who commence a quote for an Eligible Policy during the Offer Period, purchase a new Eligible Policy during the quote’s validity, and provide Bupa with a valid email address. Quotes are valid for 30 days from the quote start date. Offer: Eligible Customers will receive a [$100] Visa eGift Card on or before 100 days after the commencement date of their Eligible Policy. Eligible Customers must maintain their policy for a minimum of 60 days from the day the policy commences to receive the offer. Other Promotional Terms: The offer is automatically applied during a quote if eligibility criteria is satisfied. The offer is not available in conjunction with any other Bupa promotional offer(s). The Visa eGift Card will be emailed to you once the Offer eligibility criteria has been satisfied. View full terms and conditions of the Visa eGift Card at https://eftposgiftcard.com.au/visa-cardholders-terms-conditions
+ Current Bupa Health members with an active membership get a 10% premium discount that applies to their Bupa Home, Contents, Landlords, Car, Phone & Cyber and Pet Insurance policies and Bupa Ultimate Health members get a 15% premium discount that applies to their Bupa Home, Contents, Landlords and Car Insurance. These member discounts apply to each policy term while remaining a Bupa Health member. Minimum premiums may reduce the full advertised discount. Discount(s) does not apply to taxes, government charges, fees or optional non-insurance services (e.g. roadside assistance). We reserve the right to withdraw this discount at any time.
Travel insurance
Protection that travels with you
Bupa Travel Insurance offers cover for the unexpected, like an overseas medical emergency or unexpected trip cancellation‡.
Plus, Bupa health insurance members can save 15%# off our travel cover, which can protect you from lost luggage, delays and more‡.
Terms and Conditions apply.
‡ Limits, sub-limits, conditions and exclusions apply. For details refer to the Travel Insurance Product Disclosure Statement (PDS) and Financial Services Guide (FSG).
+ Current Bupa Health members with an active membership get a 10% premium discount that applies to their Bupa Home, Contents, Landlords, Car, Phone & Cyber and Pet Insurance policies and Bupa Ultimate Health members get a 15% premium discount that applies to their Bupa Home, Contents, Landlords and Car Insurance. These member discounts apply to each policy term while remaining a Bupa Health member. Minimum premiums may reduce the full advertised discount. Discount(s) does not apply to taxes, government charges, fees or optional non-insurance services (e.g. roadside assistance). We reserve the right to withdraw this discount at any time.
Phone & Cyber insurance
Your mobile phone is part of your everyday life. Keeping it safe matters. So does protecting your online identity from cyber threats and fraud.
Bupa combines both in one simple, affordable cover for you and your household.
Bupa Health members get 10% off*
Terms and Conditions apply.
* Existing Bupa health members only. T&Cs apply. Policies are issued by Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507 Consider the PDS & TMD before purchasing: bupa.com. au/mobile-phone cyber-insurance
+ Current Bupa Health members with an active membership get a 10% premium discount that applies to their Bupa Home, Contents, Landlords, Car, Phone & Cyber and Pet Insurance policies and Bupa Ultimate Health members get a 15% premium discount that applies to their Bupa Home, Contents, Landlords and Car Insurance. These member discounts apply to each policy term while remaining a Bupa Health member. Minimum premiums may reduce the full advertised discount. Discount(s) does not apply to taxes, government charges, fees or optional non-insurance services (e.g. roadside assistance). We reserve the right to withdraw this discount at any time.
Pet insurance
Get cover for every-family member
Bupa’s Pet Insurance can lend a helping hand in those furry moments. Choose a cover that suits you and your family. Bupa Health Insurance members get 10% off each year+. T&C’s apply.
Terms and Conditions apply.
+ Current Bupa Health members with an active membership get a 10% premium discount that applies to their Bupa Home, Contents, Landlords, Car, Phone & Cyber and Pet Insurance policies and Bupa Ultimate Health members get a 15% premium discount that applies to their Bupa Home, Contents, Landlords and Car Insurance. These member discounts apply to each policy term while remaining a Bupa Health member. Minimum premiums may reduce the full advertised discount. Discount(s) does not apply to taxes, government charges, fees or optional non-insurance services (e.g. roadside assistance). We reserve the right to withdraw this discount at any time.
For details of product terms, conditions, limits, sub-limits & exclusions, please read the relevant Product Disclosure Statement before buying: Home, Landlords & Car Insurance PDS; Travel Insurance PDS; Pet Insurance PDS; Phone and Cyber Insurance PDS.
If you have questions, we have answers
So, you’ve read our Home Insurance FAQs but still have some burning questions?
Call us on 1300 556 721 and chat to one of our helpful team members about which Bupa Home insurance cover could be right for you.
Disclaimer
^ Bupa $200 Visa eGift Card promotional terms for new Combined Home and Contents insurance customers. Offer Period: Promotion starts 12:01am AEDT 1 May 2026 and ends 11:59pm AEDT 31 July 2026. Bupa reserves the right to withdraw, change or extend this offer at any time. Eligible Policies: 1) Bupa Combined Home and Contents Cover, 2) Bupa Ultimate Combined Home and Contents Cover, and 3) Bupa Landlords Combined Building and Contents Cover Eligible Customers: Australian Residents aged 18 or over, who are not Bupa staff and who do not hold or have not held an Eligible Policy for the same risk in the past 12 months. Eligible quotes: Eligible Customers who commence a quote for an Eligible Policy during the Offer Period, purchase a new Eligible Policy during the quote’s validity, and provide Bupa with a valid email address. Quotes are valid for 30 days from the quote start date. Offer: Eligible Customers will receive a $200 Visa eGift Card on or before 100 days after the commencement date of their Eligible Policy. Eligible Customers must maintain their policy for a minimum of 60 days from the day the policy commences to receive the offer. Other Promotional Terms: The offer is automatically applied during a quote if eligibility criteria is satisfied. The offer is not available in conjunction with any other Bupa promotional offer(s). The Visa eGift Card will be emailed to you once the Offer eligibility criteria has been satisfied. View full terms and conditions of the Visa eGift Card at https://eftposgiftcard.com.au/visa-cardholders-terms-conditions/
+ Current Bupa Health members with an active membership get a 10% premium discount that applies to their Bupa Home, Contents, Landlords, Car, Pet and Phone & Cyber Insurance policies and Bupa Ultimate Health members get a 15% premium discount that applies to their Bupa Home, Contents and Landlords and Car Insurance. These member discounts apply to each policy term providing a Bupa Health membership continues to be held. A further 10% discount to premium applies where a combined Home & Contents policy is purchased and for each policy term thereafter providing the combined policy continues to be held. When more than one discount applies, we’ll apply them in a set order to the already discounted premium. Discount(s) does not apply to taxes, government charges, fees or optional non-insurance services (e.g. roadside assistance). Minimum premiums may reduce the full advertised discount. We reserve the right to withdraw or extend this discount at any time.
# Current Bupa Health members with an active membership are able to obtain a 15% discount on Bupa Travel Insurance. This discount applies to new policy purchases and is based on standard premium rates (including optional extras). Discounts only apply to the insurance portion of the premium and are applied before government charges, taxes, levies and fees. The full extent of discounts may, therefore, be impacted. It applies automatically upon successful input of the membership number and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Travel Insurance Partners to find out more. Not to be used in conjunction with any other offer.
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) (ABN 81 000 057 590, AR 354269), an authorised representative of Open Insurance Pty Ltd, ABN 23 166 949 444, AFSL 451712 (Open). Open arranges this insurance as agent for Travel Insurance Partners Pty Ltd (ABN 73 144 049 230, AFSL 360138) who manage and administer travel insurance issued by Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Any information is general advice only and does not take into account your individual situation, needs or objectives. Consider the PDS & TMD.
Bupa Pet Insurance policies entered into for the first time prior to 18 April 2024 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s Authorised Representative (AR) Bupa HI Pty Limited ABN 81 000 057 590, AR 354269 (Bupa). Bupa Pet Insurance policies entered in to for the first time on or after 18 April 2024 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by PetSure’s AR, Bupa. 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 or choosing to continue with the product. PDS and Target Market Determination available at https://www.bupa.com.au/pet-insurance.
Bupa Phone and Cyber Insurance is distributed by Bupa HI Pty Ltd ABN 81 000 057 590 (Bupa), an authorised representative (no. 354269) of Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507 (Zurich). This insurance is arranged by Likewize Services Pty Ltd ABN 23 090 918 399, AFSL 230163 as agent for Zurich. Any advice provided is general advice only and does not take into account your personal objectives, financial situation or needs. Consider the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) and Target Market Determination (TMD) to help you decide if a product is 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:- Open's Domestic and Family Violence and Financial Hardship policy (Home, Landlord and Car Insurance)
- Travel Insurance Partners' Family Violence Policy (Travel Insurance)
- PetSure Family Violence Policy (Pet Insurance)
- Supporting customers experiencing vulnerability – Zurich Australia (Phone and Cyber Insurance)
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.