Residential Home and Contents Insurance

3 easy steps to protect your home and contents

For peace of mind that you've covered your most important possessions, St.George offers comprehensive, flexible Home and Contents Insurance. Secure your finance and your insurance under the one roof with St.George and rest easy knowing you're protected.

Step 1: Choose which cover you need

Choose between Building and/or Contents insurance, depending on whether you own a home, a unit in a strata title, or are renting. For maximum flexibility these are separate policies, so you can choose one or both, and choose different levels of cover (see Step 2) for each.

• Building insurance – covers your home Building against loss or damage
• Contents insurance – covers your Contents against loss or damage
• Personal Valuables cover – can be added to Contents policy for items you consider to be valuable or take outside your home.  

Step 2: Choose the level of cover you want 

With Building and Contents cover you can choose from three levels of cover.

• Essential Care - provides a basic level of cover to protect your Building and/or Contents against loss or damage
• Quality Care - covers your Building and/or Contents against loss or damage from a wider range of events, with additional benefits and higher limits of cover for your valuables
• Premier Care - all the benefits of Quality Care with the extra protection of cover for accidental loss or damage anywhere in Australia, with more benefits and even higher limits of cover for your valuables.

See 'Cover level' for what's included and the limits in each level of cover. 

Step 3:  Apply 

It's easy to apply by calling us or applying online. We can assist you with the details to ensure you're protected today 

See How to apply or renew.

Step 2: Choose your level of cover 

To choose your level of cover, compare these key differences of the three levels of home and contents protection.

B = Included with Building cover

C = Included with Contents cover

Insured events/cover		Essential Care	Quality Care	Premier Care
Storm, fire, theft, flood, lightning, malicious damage, and more	BC
Legal liability cover up to $20 million	BC
Jewellery and watches2	C	Up to $500 per item, $3,000 in total	Up to $1,000 per item, $5,000 in total	Up to $2,000 per item, $10,000 in total
Artworks, collections and collectibles*	C	Up to $3,000	Up to $10,000	Up to $20,000
Cash, cheques and money orders	C		Up to $750	Up to $1,250
Electrical motor burnout	BC		For motors up to 15 years old	For motors up to 15 years old
Accidental breakage of glass	BC
Australia-wide cover for contents temporarily removed from your home	C		Up to 20% of the contents sum insured
Accidental loss or damage	BC

^*For more cover than the automatic limits, specify items or take out optional Personal Valuables cover.

Extra cover

In addition to the sum insured, your Building and/or Contents cover comes with additional benefits, making it easier for you to get your home back to normal. Amounts paid for additional benefits are on top of the sum insured.

Additional benefits		Essential Care	Quality Care	Premier Care
Demolition and removal of debris	BC
Professional fees	B
Costs to comply with Legal or State authority requirements	B
Fire Brigade and services charges	BC
Temporary repairs and protection	B
Purchasing a home	B
Mortgage discharge	B
External locks and keys	B		Up to $1,000	Up to $2,000
Rainwater tanks and solar hot water systems	B		Up to $3,000	Up to $5,000
Modifications to buildings for paraplegia and quadriplegia	B		Up to $5,000	Up to $10,000
Unsecured fixtures and materials during renovations	B			Up to $2,000
Landscaping and garden re-establishment costs	B			Up to $10,000
Emergency accommodation	C
Contents moved permanently to a new  site	C
Temporary accommodation for pets	C		Up to $5,000	Up to $5,000
Emergency storage of contents	C
Compensation for fatal injury	C		Up to $10,000	Up to $15,000
Frozen food loss	C		Up to $500	Up to $2,000
Credit card loss	C		Up to $1,000	Up to $5,000
Contents in the open air at the site	C		Limited cover
Contents temporarily removed to other places in Australia	C		Limited cover
Contents in transit	C			Limited cover
Veterinary expenses	C			Up to $500
Loss of computer records	C			Up to $3,000

Special contents and personal valuables

Within a Contents policy you have automatic, but limited cover, for jewellery, watches, artwork and collectibles that are usually kept in your home.

• To cover jewellery and watches totalling more than the limits, you can take out optional Personal Valuables cover. 
• To cover artwork, collections and collectibles totalling more than the limits, you can list them as 'specified items' within your Contents policy.

Need more detail?

It's important to understand what you are and aren't covered for. For the policy details, check the PDS.

How to apply

• Get a quote
• Call us on 13 33 30 and say 'new house insurance' when prompted
• Visit a branch
• Retrieve a quote

How to renew

• Renew now
• Call 13 33 30

How to make a claim

Claims

• Call us immediately on 1300 655 489 – this is the fastest way to claim
• If you prefer to lodge a written application yourself, you can download the Home and Contents Insurance claim form and send it to us with supporting documentation
• Advise the police immediately if the damage is malicious, property has been stolen or lost or your home has been illegally entered
• Do not allow anyone to repair the property until we have had a chance to inspect it.

Provide us with the following information

So we can assess your claim promptly, we may ask you to provide copies of:

• Original invoices and receipts for items you are claiming
• Police report number.

It may not be necessary to complete a claim form when you claim. However, if required, you can download the Home and Contents Insurance claim form and send to:

General Insurance
Home and Contents Claims
GPO Box 4451
Sydney NSW 2001.

How long does it take to settle a claim?

When we have all necessary information and have completed all investigation that was required to assess your claim, we will decide to accept or reject you claim and notify you of our decision within 10 business days.

Insurance claim help

If you need assistance, or want to track your claim, call us on 1300 655 489 and quote your case number.