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Home and Contents Insurance

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ING Home & Contents Insurance

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Save 30%

On your first year's premium when you purchase combined ING Home and Contents Insurance online.
T&Cs apply - see disclaimer below.

Features

Why insure with ING?

  • Save 30%

    Breathe easier and save 30% on your first year's premium when you purchase combined ING Home and Contents Insurance online. T&Cs apply - see disclaimer below.

  • Flexible cover

    Choose the cover that's right for you - home, contents, home and contents, optional covers - and your preferred start date.

  • Comprehensive protection

    Fire, storm, theft, malicious damage, new for old replacement cover, $20 million liability cover and more.

  • Claims

    Claims can be made online or over the phone and there are no lengthy forms.

  • Money back guarantee

    Get a full refund if you need to cancel your policy within the first 21 days and haven't made a claim.

  • Here if you need

    Our customer care specialists are here if you need us on 1800 619 495. For operating hours, contact us here.

  • A simpler life

    Save yourself the insurance run-around by keeping everything under one roof with ING.

Read the Product Disclosure Statement for all the detail on standard cover, optional covers and exclusions.

Important information

Save 30% on combined policies online (first year's premium only). T&Cs apply - see disclaimer below.

Get a quote

For help call 1800 619 495. For operating hours, contact us here.

Cover choices explained

Cover choices explained

Start with a standard policy and build around it to create the cover that's right for you.

Home insurance
Home and contents insurance
Contents insurance

Save 15% on your first year's premium online. T&Cs apply - see disclaimer below.

Also known as building or house insurance. Covers the building, domestic fixtures and permanent structural improvements.

Save 30% on your first year's premium online. T&Cs apply - see disclaimer below.

For your biggest and not-so-big assets. Save 30% when you purchase combined Home and Contents Insurance.

Save 15% on your first year's premium online. T&Cs apply - see disclaimer below.

For many of the things you own or are legally responsible for, including furniture, appliances and carpets.

Get a quote
Get a quote
Get a quote

Compare the benefits across home, contents and combined insurance policies

Home insurance
Home and contents insurance
Contents insurance
Up to $20m legal liability cover
Fire cover
Explosion cover
Theft or attempted theft
Malicious damage, vandalism, riot or civil commotion
Breakage of glass, ceramic and sanitary fixtures
Storm or rainwater damage
Lightning cover
Earthquake or Tsunami cover
Escape of liquid
Impact cover
Lump sum or instalment payments
Debris removal and extra costs of rebuilding
Temporary accommodation
Mortgage discharge costs
Funeral expenses up to $7,000
Replacement of locks and stolen keys up to $1,000
Uninsured guests' content cover up to $500
Unattached equipment cover up to $500

The above is a summary only. Read the Product Disclosure Statements for full terms and conditions to help you make an informed product decision.

Depending on the cover you're looking at, these options are a great way to customise your policy to better suit your situation. Note that additional premiums and exclusions apply. Please read the Product Disclosure Statement.

Home insurance
Home and contents insurance
Contents insurance
Personal effects

For personal possessions, including those taken outside of the home and higher value pieces like jewellery.

Motor burnout

For power surges that burn out or damage motors in electrical appliances.

Accidental damage

You can choose to extend your cover even further to include accidental damage to your home and contents.

Flood

Covers you for the cost of damage caused to your home by flooding rivers, creeks and other bodies of water. Flood cover may not be available for some addresses.

Landlord options

For landlords who want extra cover - Tenant default and/or Theft and Malicious Damage by tenants.

Home sum insured safeguard

Extends your home insured sum by up to 25% if your nominated sum isn't enough to replace or repair damage to your property.

Commercial Storage

We will cover loss or damage caused by an insured event to contents stored in a commercial storage facility for your period of insurance. This only includes contents covered under your Contents Insurance cover, and during the period of insurance.


The above is a summary only. Read the Product Disclosure Statements for full terms and conditions to help you make an informed product decision.

Documents and forms

Below are some of the documents important for you to consider. For the full list of documents click 'view more' below.

Product Disclosure Statement (PDS)

Applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023.


Key Facts Sheet - Home Building Insurance

Applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023.


Target Market Determination (TMD)

This TMD applies from 27 June 2024.

Key Facts Sheet - Contents Insurance

Applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023.


Privacy Policy

Customer Eligibility and Name Screening Document
How to save on premiums

How to save on premiums

Apply online

Apply online to save 30% on your first year's premium when you purchase combined Home and Contents Insurance. T&Cs apply - see disclaimer below.

Increase your excess

You could increase your excess to a level you are comfortable with to reduce your premium.

Insure smartly

For home insurance, don’t include the cost of your land – only your building’s replacement value. Consider the internal fixtures and fittings, and any structural improvements like in-ground swimming pool, awnings, fencing etc.

Increase your home security

Install security equipment around the house to potentially lower your risk and premiums.

Save 30% on combined policies online (first year's premium only). T&Cs apply - see disclaimer below.

Get a quote

For help call 1800 619 495. For operating hours, contact us here.

FAQs

Got a question about Home and Contents Insurance?

Chances are, you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

How do I make a home insurance claim?

Do ING Insurance clients have online access to view policy information?

What does Home Insurance cover?

What's the difference between the two types of personal effects optional covers - unspecified and specified?

How can I make changes to my insurance policies online?

What if I miss my Home, Motorcycle, Car and Roadside insurance payment?

 See all Home and Contents Insurance FAQs.

Save 30% on combined policies online (first year's premium only). T&Cs apply - see disclaimer below.

Get a quote

For help call 1800 619 495. For operating hours, contact us here.

How to get covered

How to get covered

We've made it simple to set up. Your property and possessions could be covered in minutes.

1. Get a quote

Answer a few simple questions online for an on-the-spot quote.

2. Review and purchase

Review your quote, add optional extras as required and purchase within 30 days.

3. It's that easy

We'll send you an email straight away confirming your policy – cover starts on your day of choice.

Please note that Home & Contents Insurance is not available in NT, North QLD or Northern WA.

To request a quote, you need to be aged 16+ and have an email address. You'll need the following information lined up too:

Type of cover you want

The policy holder and your home and/or insurance history

The property in question

Save 30% on combined policies online (first year's premium only). T&Cs apply - see disclaimer below.

Get a quote

For help call 1800 619 495. For operating hours, contact us here.

Making a claim

Making a claim

Making a claim might feel a bit daunting, especially if you've never done it before. You can get an understanding of the claims process and start your claim by following these simple steps.

Step 1: Before you make a claim

  • What you need to do straight away,
  • emergency assistance and
  • understand your cover
Before a claim

Step 2: Making a claim

  • What do you need to make a claim?
  • Understanding your excess
  • Who will take care of your claim?
Making a claim

Step 3: After the lodgement

  • How the claims assessment works
  • Decision, settlement and repairs
  • Feedback and disputes
After lodgement
If you're ready to make a claim you can do it online or call 1800 619 495.
Start my claim
If you have an emergency, check the assistance action plan.
It's an emergency