ING Home and Contents
CHOICE Expert Rating
Good Points
The product's best features and benefits
Bad Points
Drawbacks or issues you need to know about
Unlock our expert review and more
Reviews you can trust
Easy side-by-side comparison
Recommended products at a glance
Recommended products
Results for paid members only
Scores
Results for paid members only
Description
Cover summary
- Nominate a sum insured for your building
- Optional 25% underinsurance safety net
- Up to $20 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents in Australia
Cost
Covered events
- Covers theft and attempted theft
- No cover for theft by residents; paying guests; tenants/their visitors or someone entering through part of home under construction, renovation or alteration
- Covers fire; bushfire; grassfire; and heat, ash, soot or smoke from fire within 100m of address
- Accidental damage option covers heat, ash, soot or smoke from fire over 100m from address
- 72 hour waiting period for bushfire and grassfire
- Optional
- No cover for damage to garden borders, driveways, paths, pavers, gardens, jetties, wharves, pontoons, retaining walls, swimming pool/spa liners or covers or tennis court surfaces/spas
- No cover for water in swimming pools/spas
- Fences and gates not covered unless in good condition
- 72 hour waiting period
- Covers storm; rainwater; escape of rainwater from water pipes, drains or gutters; and wind caused by storms/heavy rain
- Covers earth movement but must occur as a result of and within 72 hours of storm/heavy rain
- Covers surface run-off rainwater from surrounding areas but must occur within 24 hours of storm/heavy rain
- No cover for due to an opening not created by an insured event caused by dust, hail, rain, snow or wind
- No cover for damage to artificial grass/turf, courts designed for sports with fixed surfaces, garden borders, driveways, paths, pavers, gardens, jetties, wharves, pontoons, retaining walls, swimming pool/spa liners or covers or tennis court surfaces
- No cover for water in swimming pools/spas
- Fences and gates not covered unless in good condition
- 72 hour waiting period for storm (including cyclone)
- Covers impact damage caused by animals/birds not kept at address
- Accidental damage option covers impact damage caused by animals/birds kept at address
- No cover for damage caused by animals/birds biting, chewing, clawing or pecking
- No cover for damage caused by insects, lizards, rodents, termites or vermin
- Optional
- Covers accidental loss and damage to home and contents
- Covers impact damage caused by animals or birds kept at the address
- Covers scorch marks caused by a hot pan on your benchtop
- Covers ash, heat, smoke or soot when no fire damage has occurred
- Covers melting or scorching when there is heat but no flame
- Covers accidental breakage of glass and crystal items designed to be carried by hand
- Covers accidental breakage of glass in a TV, radio, tablet or visual display unit or that forms part of a radio, clock, vase, ornament or lamp
- No cover for aircraft, drones or model craft and their accessories
- No cover for audio or video tapes or clothing or accessories
- No cover for bicycles; e-bikes; scooters; e-scooters or sporting, recreational or leisure goods or equipment while being used
- No cover for cash, cheques or gift cards or other similar financial items
- No cover for CDs, DVDs, digital storage devices, records, computer software, game cartridges or game consoles
- No cover for items used in business, trade or profession
- No cover for mobile phones, smart phones or smart devices or their accessories
- No cover for swimming pools or spas or any associated equipment
- No cover for damage caused by computer viruses; malfunction to computer systems; loss or corruption of data; tenants living in the home; paying guests staying in the home; intentional or deliberate acts; construction, alteration or renovation work; power surge or fluctuation (unless caused by lightning strike); processes of professional cleaning, repairing, restoring or renovation; or cleaning involving chemicals other than domestic household chemicals
- No cover for other damage caused by animals, birds or their excrement
- No cover for burning or scorching caused by cigars, cigarettes or pipes
- No cover for chipping, denting or scratching caused by normal use
Claims
- Repair damaged property
- Replace damaged property
- Pay you the property's replacement value, up to your sum insured or other sublimits
- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- Insurer may offer non-cash alternatives
Building
- Motors up to 10 years
- Optional
- Up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with debris removal and professional fees
- Up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with building regulations and debris removal
- Up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with building regulations and professional fees
- Up to 12 months or 10% sum insured
- Paid on top of sum insured
- Covers accommodation for you and your pets
Contents
- Covers some items for accidental loss/damage
- Choose overall limit from $1000–$5000
- Up to $1000 per item
- Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
- $100 excess
- Optional
- Cover for accidental loss/damage
- Covered away from home in Australia, New Zealand, and for up to 90 days in rest of the world
- $100 excess
- Up to sum insured overall
- Up to $1000 for theft
- Up to sum insured
- Covers removing/storing contents in commercial storage facility
- Up to $5000 overall
- Up to $1000 per item or set
- Up to $12000 overall
- Up to $5000 per item or set
- Up to $500 overall
- Cover for insured events
- Optional cover for motor burnout
- Up to 20% contents sum insured overall
- Cover for overturning of removal vehicle, collision and fire
Looking for user reviews?
We don't offer user reviews anymore. Help us improve this expert review by sharing your feedback in a quick survey.