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Home & Contents Insurance
Coverage for life events and family asset protection

Whether you’re looking for basic or enhanced protection, La Trobe Financial has you covered. Our Home & Contents insurance products offer a broad range of protection and coverage options.* If you are an Investor, a Borrower or someone who just wants insurance with personal service, we would love to assist you.

The key features of our policy are:

  • Comprehensive building cover that includes protection for your residential building, garages and sheds
  • New for old replacement for your contents
  • Flexible cover – only pay for the cover you need with variable policy excesses available
  • Pay by the month at no additional cost
  • Up to 12 months temporary accommodation if your home is damaged and is unliveable



More Information:

Main Features & Benefits
Summary of key benefits

Use the table below to find out the key benefits of our Home and Contents Insurance. If you need assistance or more information, please contact us

Key Benefits Listed Events Accidental Damage
Accidental Damage cover No Yes
Accidental Loss cover No Yes
Electrical burnout of motors less than 15 years old Covered as contents up to $20,000 unless specified. Covered as contents up to $20,000 unless specified.
Replacement of keys and repair and re-coding of locks and barrels for either external doors or windows Up to $1,000 Unlimited.
Money and negotiable documents Up to $750 Up to $1,250.
Credit card misuse Up to $5,000 Up to $5,000
Works of art including paintings and rugs Up to $20,000 per item, unless specified separately Up to $20,000 per item, unless specified separately
Loss of frozen foods as a result of domestic freezer failure Up to $500 Unlimited
Loss of frozen food from any cause No Unlimited
New for old contents cover Yes Yes
Liability cover $20 million $20 million
Monthly payment option Yes Yes
Detailed comparison of Home & Contents options
Feature Option 1
Listed Events
Standard Coverage
Option 2
Accidental Damage
Enhanced Coverage
Accessories/spare parts for motor vehicles, motorcycles, mini bikes, caravans, trailers and watercraft. Up to $750 provided they are not in or on them. No cover away from home. Up to $750 provided they are not in or on them. No cover away from home.
Alternative accommodation. 10% of sum insured paid in addition to the sum insured, up to 12 months. 10% of sum insured paid in addition to the sum insured, up to 12 months.
Bicycles Covered as contents up to $20,000 unless specified. Covered as contents up to $20,000 unless specified.
Cameras, photographic equipment, video cameras (within the contents section) $2,500 per item, $5,000 in total or 20% of the contents sum insured, whichever is greater. Items in excess of $2,500 must be specified under valuables section of policy. $2,500 per item, $7,500 in total or 20% of the contents sum insured, whichever is greater. Items in excess of $2,500 must be specified under valuables section of policy.
Clothing & personal effects (within the contents section) $20,000 per item unless specified as a special contents item. $20,000 per item unless specified as a special contents item.
Computers & computer software – non-business use $20,000 limit unless specified as a special contents item. (Non-portable). Portable computers are covered up to $2,500 per item. Items in excess must be specified under the valuables section of the policy. $20,000 limit unless specified as a special contents item. (Non-portable). Portable computers are covered up to $2,500 per item. Items in excess must be specified under the valuables section of the policy.
Contents at your home Yes, covered Yes, covered
Contents at your home in the open air Yes, cover for theft, storm, rainwater and wind, a $2,000 limit applies. Yes, including theft, storm, rainwater and wind.
Contents away from your home ‘Australia wide up to 90 days (does not include theft cover). 90 day limit does not apply to sporting equipment while kept in a club room. Australia wide up to 90 days. 90 day limit does not apply to sporting equipment while kept in a club room.
Contents in a commercial storage facility Yes, provided we agree to cover them. No cover for jewellery, money or negotiable documents. Yes, provided we agree to cover them. No cover for jewellery, money or negotiable documents.
Contents in transit (During & permanent removal) Yes, transported by a vehicle, up to $10,000 only for theft following violent or forcible entry, fire, collision or over turning of a vehicle. Yes, transported by a vehicle, up to $10,000 only for theft following violent or forcible entry, fire, collision or over turning of a vehicle.
Credit card and transaction card misuse Up to $5,000. Up to $5,000.
Debris removal & demolishing 10% of sum insured paid in addition to the sum insured 10% of sum insured paid in addition to the sum insured
Document Damage Maximum $1,000 to re-instate, reproduce or restore documents if they are damaged while in your buildings or a bank vault Maximum $1,000 to re-instate, reproduce or restore documents if they are damaged while in your buildings or a bank vault
Employees’ belongings Up to $5,000. Up to $5,000.
Fine art, paintings & works of art $20,000 limit unless specified as a special contents item $20,000 limit unless specified as a special contents item
Flood Yes, covered. Yes, covered.
Frozen Food Up to $500, following breakdown of freezer Yes, covered.
Funeral expenses Yes, up to $10,000 Yes, up to $10,000
Goods used to earn an income at home $5,000 at the home only $5,000 at the home only
Guests of visitors belongings Up to $5,000. Up to $5,000.
Jewellery, watches, furs, items containing gold/silver, stamp, coin, medal collections (within the contents section) $2,500 per item, $5,000 in total or 20% of the contents sum insured, whichever is greater. Items in excess of $2,500 must be specified under the valuables section of the policy. $2,500 per item, $7,500 in total or 20% of the contents sum insured, whichever is greater. Items in excess of $2,500 must be specified under the valuables section of the policy.
Legal costs in Australia Legal costs & expenses you are liable to pay following legal proceedings brought by you or against you in Australia – limit $5,000. Restrictions apply, please refer to the relevant PDS for more information. Legal costs & expenses you are liable to pay following legal proceedings brought by you or against you in Australia – limit $5,000. Restrictions apply, please refer to the relevant PDS for more information.
Liability cover Up to $20 million person liability worldwide up to 90 days. Restrictions apply, please refer to the relevant PDS for more information Up to $20 million person liability worldwide up to 90 days. Restrictions apply, please refer to the relevant PDS for more information
Liability cover – when your buildings are a total loss Liability cover continued for up to six months after buildings destroyed. Liability cover continued for up to six months after buildings destroyed.
Media purchased online (music, software and video) – personal use only Yes, up to $20,000. Yes, up to $20,000.
Modifications of your buildings Yes, if you are injured causing paraplegia or quadriplegia, up to $10,000 to cover the cost of modifications. Yes, if you are injured as a result of loss or damage to your building causing paraplegia Yes, if you are injured causing paraplegia or quadriplegia, up to $10,000 to cover the cost of modifications. Yes, if you are injured as a result of loss or damage to your building causing paraplegia
Money & negotiable documents Yes, up to $750. Yes, up to $1,250.
Mortgagee discharge costs Paid in addition to sum insured. Paid in addition to sum insured.
Musical Instruments $20,000 limit unless specified as a special contents item. $20,000 limit unless specified as a special contents item.
New-for-old Replacement cover (contents) Yes. Yes.
Office & surgery equipment – business only $10,000 at the home and includes valuable items able to be powered by battery up to $2,500 per item unless listed as a special valuable. $10,000 at the home and includes valuable items able to be powered by battery up to $2,500 per item unless listed as a special valuable.
Rebuilding fees – Architects’, surveyors and legal fees 10% of sum insured paid in addition to sum insured. 10% of sum insured paid in addition to sum insured.
Replacing keys and repairs to and recoding of locks & barrels Up to $1,000. Unlimited (including loss of key).
Sale of your home Cover extended to purchaser Cover extended to purchaser
Security firm to monitor your home Up to $1,000 (excluding false alarms). Up to $1,000 (excluding false alarms).
Sporting equipment (within the contents section) $3,000 per item, pair or set up to $5,000 in total or 20% of the contents sum insured, whichever is greater. Items in excess of $3,000 must be specified under the valuables section of the policy. $3,000 per item, pair or set up to $7,500 in total or 20% of the contents sum insured, whichever is greater. Items in excess of $3,000 must be specified under the valuables section of the policy.
Storage costs Yes, following an incident we cover, we will pay the reasonable costs to remove and store contents for up to 12 months. Yes, following an incident we cover, we will pay the reasonable costs to remove and store contents for up to 12 months.
Storm cover to wooden gates, fences, etc. Yes, up to 15 years old or less. Yes, up to 15 years old or less.
Sum Insured (Consumer Price Index) If we agree to pay you for a loss, we will increase your building or contents sum insured by the amount the Consumer Price Index has increased. If we agree to pay you for a loss, we will increase your building or contents sum insured by the amount the Consumer Price Index has increased.
Taxation audit If your personal financial affairs are audited by the Federal Commissioner of Taxation, we will cover any accountant’s fees that you must pay as a result, up to $5,000 (inclusive of GST) during your period of Insurance. If your personal financial affairs are audited by the Federal Commissioner of Taxation, we will cover any accountant’s fees that you must pay as a result, up to $5,000 (inclusive of GST) during your period of Insurance.
Trees, plants and shrubs replacement $750 for trees, plants & shrubs if stolen, burnt, maliciously damaged or damaged by a vehicle. $1,500 for trees, plants & shrubs if stolen, burnt, maliciously damaged or damaged by a vehicle.
Unregistered motorcycles or mini-bikes up to 125cc Yes, up to $20,000 unless they are being used for racing or pace making. This cover applies to motorcycles or mini-bikes that don't require registration by law. Yes, up to $20,000 unless they are being used for racing or pace making. This cover applies to motorcycles or mini-bikes that don't require registration by law.
Unregistered motorised golf buggies, ride on mowers & wheelchairs Yes, up to $20,000. Yes, up to $20,000.
Veterinary expenses Up to $500 for pets injured for a road accident Up to $500 for pets injured for a road accident
Watercraft Only if less than 4 metres long and not powered by either a motor, or a motor less than 10hp. Watercraft covered up to $5,000. Does not include jet skis. Only if less than 4 metres long and not powered by either a motor, or a motor less than 10hp. Watercraft covered up to $5,000. Does not include jet skis.
*Terms and conditions apply to all cover types so please review the PDS for full terms and conditions
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