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Home Insurance

Learning about home and contents options

Home & Contents Insurance

Insure your home – including your house and domestic outbuildings – and belongings against loss or damage caused by events like storms, fire, and theft.

Home building insurance cover

Home Building Insurance

Covers loss or damage to your house and outbuildings, such as garages and sheds, due to insured events like storms and fires.

Couple choosing home and contents insurance

Contents Insurance

Contents Insurance protects the items inside your home – such as furniture, whitegoods, and electrical appliances – against loss or damage due to events like storms, theft, and fire.

Landlord looking at insurance options

Landlord Cover Insurance

Landlord insurance provides protection against loss or damage to your investment property building and any contents you provide for your tenant’s use.

Award winning insurance

Our home and contents insurance has won an award for exceptional value 6 years running⁵. That’s why you can trust us to do the most when it comes to helping you protect what matters, at a price you can afford.

Why get home & contents insurance with Virgin Money?

Perks

Earn up to 10,000 Velocity Points when you buy a new eligible combined Home & Contents Insurance policy by 27 May 2025¹⁸.

Save 30% on your first year’s premium when you combine Virgin Home and Contents insurance online.¹

Flexible home insurance cover options, with 21-day cooling off period.⁴

You can lodge an insurance claim online or over the phone 24/7.

What's covered?

Your home has so much value. That’s why our home insurance offers cover for life’s unscripted moments, like:

Fire
Explosion
Theft or attempted theft
Malicious damage, vandalism, riot or civil commotion
Breakage of glass, ceramic and sanitary fixtures

Storm and rainwater
Lightning
Earthquake or Tsunami
Escape of liquid (e.g. pipes, drains, etc)
Impact at home (e.g. fallen tree/branch)

Add-ons

Extend your cover to include accidental damage of your home and/or contents

Extend your home sum insured up to an additional 25% if your nominated sum insured is not sufficient to replace or repair the damage to your home

Cover for damage caused by flood to your home and/or contents

Want to know more?

Man finding out how to make a claim

How to claim

Finding ways to contact Virgin Money

Contact us

Person managing their insurance policy

Manage your policy

Exclusions and conditions apply. See the Product Disclosure Statement, Target Market Determination (TMD) and Financial Services Guide (FSG) for full details. Not available in Northern Territory, North Queensland and Northern Western Australia. Approved applications only.

Optional Flood cover: Covers you for loss or damage caused by flood, Flood is the covering of normally dry land by water that has escaped or been released from the normal confines of: - a lake, river, creek, or other natural watercourse (whether or not any of them have been altered or modified)- a reservoir, canal or dam. Flood cover may not be available for some addresses.

Virgin Home and Contents Product Disclosure Statement (PDS), Target Market Determination (TMD) and Financial Services Guide (FSG).

Virgin Car Insurance Product Disclosure Statement (PDS) and Target Market Determination (TMD), Premium, Excess and Discount Guide (PED) and Financial Service Guide (FSG).

Virgin Car Insurance Roadside Assistance Terms and Conditions.

This information is of a general nature only and does not take into account your personal financial situation, needs or objectives. As we don’t know your financial needs we can’t advise if our products will suit you. Terms, conditions, limits and exclusions apply. Please consider the relevant Product Disclosure Statement, Target Market Determination and/or Terms and Conditions available at virginmoney.com.au before making a decision about the product. Any discounts on both new and renewing policies only apply to the extent that any minimum premium isn't reached.

Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411) ("AGS") arranges the insurance on behalf of Auto & General Insurance Company Ltd (ABN 42 111 586 353; AFSL 285571).

Insurances: Virgin Car Insurance and Virgin Home and Contents Insurance are promoted by Virgin Money (Australia) Pty Limited (“Virgin Money”) as the Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869. Car, Home and Contents: Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411) arranges the insurance on behalf of the product issuer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571).

Things you need to know
1. Discount applies to the first year's premium paid for new Virgin Home and or Contents Insurance initiated online on or after 30 March 2017. The 30% discount applies to Combined Home & Contents Insurance, 15% discount applies to Home Insurance only or Contents Insurance only. We reserve the right to change the offer without notice. Base rate premiums subject to change. The discount does not apply to any renewal offer of insurance. Discount applies only to the insurance portion of the premium before any fees, charges or levies that may apply. This may impact the full extent of the discount.
2. Source: Auto & General Company Data and APRA June 2023 quarterly institution-level data.This is based on June 2023 quarterly institution-level data. Virgin Money Insurance growth (as a portion of the underwriter Auto & Generals overall growth) of 25% over Jul22 to Jun 23 compared to the industry growth average of 12%.
3. If you cancel the policy within 21 days from the date of purchase and do not make a claim on the policy, we will give you a full refund.
4. Virgin Home and Contents Insurance won the Mozo Experts Choice Award for Exceptional Value, Home and Contents Insurance 2019, 2020, 2021, 2022, 2023 & 2024. These awards recognise products in the top 10% of the market that deliver exceptional value and benefits to customers. Find out more at https://mozo.com.au/expertschoice/home-insurance.
5. Discount applies to first year's premium paid for new Virgin car insurance Price Saver purchase initiated online on or after 30 March 2017. The discount applies to Comprehensive, Third Party Property and Third Party Fire and Theft Car policies. We reserve the right to change the offer without notice. Base rate premiums subject to change. The discount does not apply to any renewal offer of insurance. Discount applies only to the insurance portion of the premium before any fees, charges or levies that may apply. This may impact the full extent of the discount.
6. Delivery charges advised upon ordering and varies by postcode. Offer available while stocks last. Valid for Virgin Money customers only. One Moet & Chandon Imperial per household. $204.96 savings applies to the reds case, worth $324.96. Retail prices are provided by the wineries. If a wine becomes unavailable, a similar wine of equal or greater value will be supplied. If you are unhappy with the substitute we’ll refund you. Order acceptance and the contract between you and us will only be formed on the dispatch to you of the product(s) ordered. Orders will not be accepted (nor will wine be delivered to) persons under the age of 18 years. We do not deliver to parcel lockers, and unfortunately due to rising delivery costs and current liquor laws are unable to deliver to the Northern Territory. Please see our full Terms and Conditions of Sale and Privacy Policy available here: www.virginwines.com.au/terms or call us on 1300 712 870. © 2020 Wine People Pty Ltd. LIQP770016550. Level 2, 407 Elizabeth Street, Surry Hills, NSW 2010. All rights reserved. You must be 18 years of age or over to order wine from this site. It is against the law to sell or supply alcohol to, or obtain alcohol on behalf of, a person under the age of 18.
7. Virgin Car Insurance is a finalist in the Finder 2019 awards. Features and Price are scored against 36 profiles. Find out more at https://www.finder.com.au/finderawards.
  
  Virgin Home and Contents Insurance won the Mozo Experts Choice Award for Exceptional Value Home and Contents Insurance 2019 in the Car, Home and Landlord Insurance category. These awards recognise products in the top 10% of the market that deliver exceptional value and benefits to customers. Find out more at https://mozo.com.au/expertschoice/home-insurance.
8. Virgin Home and Contents Insurance won the Mozo Experts Choice Award for Exceptional Value, Home and Contents Insurance 2019, 2020, 2021, 2022, 2023 & 2024. These awards recognise products in the top 10% of the market that deliver exceptional value and benefits to customers. Find out more at https://mozo.com.au/expertschoice/home-insurance
9. The discounts apply to new Virgin Home and Contents Insurance Price Saver policies purchased online on or after 30 March 2017. We reserve the right to change the offer without notice. Base rate premiums subject to change. The discount does not apply to any renewal offer of insurance. Discount applies only to the insurance portion of the premium before any fees, charges or levies that may apply. This may impact the full extent of the discount.
10. Offer of up to 10,000 Velocity Frequent Flyer Points (Velocity Points) is available to eligible customers who purchase a new Virgin Car Insurance comprehensive policy and have not previously received points or other acquisition offer for that same policy number (not available for renewals). This offer is valid for new policy purchases from 08 January 2025 - 27 May 2025 and is subject to change or removal at the discretion of Virgin Money. Offer is not valid to customers who purchased through Compare the Market, Choosi, iSelect, Finder, Infochoice, Canstar, Mozo or the Virgin Money app. A valid Velocity membership number must be provided at the time of application. If you’re not a Velocity member you can join Velocity for free. Maximum of 10,000 Velocity Points per policy (even if multiple cars are insured under a single policy). In order to receive the Points, the policy holder must be the main driver and their name must match the Velocity account name and membership number provided. Eligible policy holders will be entitled to up to 10,000 Velocity Points to be awarded in two stages, 1 x 5,000 Velocity Points and 1 x 5,000 Bonus Velocity Points, subject to the following conditions: the policy holder will be entitled to 5,000 Velocity Points if the insurance is held for more than 65 days (credited to the eligible Velocity Account up to 90 days after the policy has been purchased); the policy holder will be entitled to the remaining 5,000 Bonus Velocity Points if the policy is still active 6 months after purchase (credited to the eligible Velocity Account up to 10 months after the policy was purchased); The Velocity Membership Terms and Conditions apply. This offer cannot be used in conjunction with any other Virgin Money Car insurance offers, is not redeemable for cash and is not transferable.
11. Offer of 10,000 Velocity Frequent Flyer Points (Velocity Points) is available to eligible customers who purchase a new combined Virgin Home and Contents Insurance policy and have not previously received points for that same policy (not available for renewals). This offer is valid for new policy purchases from 08 January - 27 May 2025 and is subject to change or removal at the discretion of Virgin Money. Offer is not valid to customers who purchased through Compare the Market, Choosi, iSelect, Finder, Canstar, Infochoice, Mozo or the Virgin Money app. A valid Velocity membership number must be provided at the time of application. If you’re not a Velocity member you can join Velocity for free. Maximum of 10,000 Velocity Points per policy. In order to receive the Points, the policy holder’s name must match the Velocity name and account number provided. Eligible policy holders will be entitled to up to 10,000 Velocity Points to be awarded in two stages, 1 x 5,000 Velocity Points and 1 x 5,000 Bonus Velocity Points, subject to the following conditions: the policy holder will be entitled to 5,000 Velocity Points if the insurance is held for more than 65 days (credited to the eligible Velocity Account up to 90 days after the policy has been purchased); the policy holder will be entitled to the remaining 5,000 Bonus Velocity Points if the policy is still active 6 months after purchase (credited to the eligible Velocity Account up to 10 months after the policy was purchased).  The Velocity Membership Terms and Conditions apply. This offer cannot be used in conjunction with any other Virgin Money Home and Contents Insurance offers, is not redeemable for cash and is not transferrable.