one direct home insurance
Protect your investment with smart, simple home insurance from one direct.
You can choose from buildings cover, contents cover or both - and just like our award-winning one direct home loans, you'll pay less and get more including:
BUILDINGS COVER
A place to stay - if your home needs to be repaired or rebuilt and you need to stay elsewhere temporarily, the cost of your accommodation will be covered up to specified limits.
Accidental breakage - coverage for glass or mirrors fixed to the building (such as shower bases) or freestanding glassware, crystal, crockery and china - as long as the items were not being used, cleaned or carried at the time.
Architect, surveyor and legal fees - up to 10% of the sum insured, in addition to the sum insured, if you need to rebuild following a total loss (and up to $5,000 in legal expenses for proceedings brought by or against you in Australia).
CONTENTS COVER
New for old - replacement cover on most contents. When you make a claim, you will receive the full amount required to replace your item/s at today's prices - not just a fraction.
Cover for valuable items - such as jewellery, gold and silver items, collections of coins and medals, watches, cameras, video cameras, sporting gear and portable computers up to specified limits.
Home office - if you earn an income from home, you are covered for up to $10,000 to replace work-related equipment and up to $5,000 for employee contents stolen or damaged.
Stolen keys and credit cards - up to $5,000 to cover misuse of a stolen credit card, and $1,000 to replace locks in the event that your keys are stolen.
Open air cover - you are covered for repair work following storm, rainwater, wind, theft or attempted theft damage to your contents in the open air up to a specified maximum.
Inflation indexation - the value of the sum insured will be automatically adjusted each year to account for the effects of inflation.
And much more - including the cost of a private security firm to attend an alarm call, coverage for visitor contents, and up to $500 to replace food lost if your freezer breaks down!
To apply for one direct home insurance, please call one of our Insurance Specialists on
Please read the product disclosure statement (PDF, 196kb), which sets out the full details of cover plus explanations and any applicable limits and exclusions.