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
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 |
|
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, and Pet 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.
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.
^Saving of up to 30% derived from premium comparisons between Bupa unlimited kilometre comprehensive car cover
option and Bupa Pay As You Drive comprehensive car cover option. Calculations based on a sample of profiles of existing
Bupa car insurance customers who advised they drive 15,000km, or less, per year. Current as at 3 September 2025.
Actual savings are determined by your individual circumstances, including the kilometres selected, excess chosen and
other risk factors. Minimum premiums may reduce savings. Kilometres can be increased during the policy period, an
additional premium is payable. In event of an accident and the end odometer reading is exceeded or is below the start
odometer reading on your Certificate of Insurance, an additional excess is applied.
+Current Bupa Health members with an active membership get a 10% premium discount that applies to their
Bupa Home, Contents, Landlords, Car, 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 noninsurance
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 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.
*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.
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
+ Current Bupa Health members with an active membership get a 10% premium discount that applies to their Bupa Home, Contents, Landlords, Car, and Pet 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 into 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.
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)
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.