COVID-19 payments to members
HBF is returning $42 million to members who held Hospital and/or Extras cover between 25 March 2020 and 30 June 2020.
Compare our contents cover
With three levels of contents cover to choose from, you can pick one that suits you and the things you
Up to $500
Includes accidents, except while racing
Max length 4m - motors less than 10hp
Up to $2,000 for the events listed
Up to $500
Up to $1,000 for the events listed
Max length 3m – unpowered only
This table is a summary of significant features and benefits only. Please refer to the HBF Accidental Damage Home Insurance,
HBF Listed Events Home Insurance and HBF Fundamentals Home Insurance Product Disclosure Statements (PDS) and policies for full terms and conditions.
HBF Contents insurance covers household goods or personal belongings that are not fitted or
to your building that you own. There are set maximum amounts that we’ll pay when you make a
which are included in contents sum insured amount.
Contents insurance doesn’t cover:
HBF Accidental Damage insurance provides premium cover for your home and contents for any
damage or loss from unintentional or unforeseen events, such as theft, fire, explosion,
storm or flooding. It also covers any accidental breakage of things like windows, glass,
Your cover also includes:
With Special Valuables insurance you can nominate an amount for your special valuable, and
cover it for accidental loss or damage anywhere in the world for up to 90 consecutive days.
Unlike Accidental Damage insurance, Personal Valuables insurance covers the full amount of
item. That means if you insure a diamond ring for $8000 and then accidentally lose it, we
cover it for the full $8000 amount. Under an Accidental damage policy the most we will pay
this item is a maximum of $2500.
Items you can cover include:
When choosing an amount of cover for your contents, think about how much it would cost to
each item, not what they’re currently worth. For example, your couch might only sell for
but the cost to buy a similar new couch would be $700. Our handy online contents calculator is an easy way to work out the right level of
When calculating the value of your contents, don’t forget to include items like:
And remember, every year you add new things to your home, so be sure to check your level of
before renewing your insurance.
It depends on which policy you have. With an Accidental Damage policy, your valuable items
away from home – up to 20% of your sum insured. With a Listed Events policy or Fundamentals
valuable items are not automatically covered outside of your home.
If you have a valuable item worth more than $2,500 that you take away from home, you’ll need
our Personal Valuables insurance to your policy to make sure that it’s covered to its full
We’ll cover up to 20% of the contents sum insured, or up to $7,500 in total per claim, with
limit of $2,500. If you have a valuable item that is worth more than $2,500, you’ll need to
this to your policy under the optional Personal Valuables cover to make sure that it’s
to its full value.
If you need to make emergency repairs to your house, let us know and we’ll organise one of
to help you as soon as possible. Contact us on 1300 559 867 to
a claim and we will arrange these repairs for you.
If you’re leaving your house unoccupied for a continuous period of 60 days or more, it’s a
to let us know, as there may be changes and special conditions that we may need to apply to
With HBF’s Accidental Damage Home Insurance contents cover, you can enjoy up to 90 consecutive days of Australia-wide cover for any type of accidental loss or damage to your contents – such as your mobile phone.
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