Basic
Up to $2,000,000
Up to $3,000
ASB Home Insurance is based on a 'sum insured' amount, which is the estimated cost for a total rebuild of your home, including things like the cost of debris removal, special features and GST.
Up to 40% annual claim-free discount
Receive a higher discount if you are aged 55 or over
Yes
Yes
Yes
Yes, no excess
Up to $1,500
Yes
Up to $50,000
Up to $30,000, maximum 12 months
Up to 60 days
Up to $2,000
Basic
Up to $1,000,000
No
Payment up to Total Sum insured (Home sum insured and special feature sum insured).
Earn 1 Flybuys for every $25 of premium you pay.
Discounted premium if you keep your home policy with State for more than a year.
24/7 online and on-call customer service for your house insurance claims and questions.
Yes
Yes
Yes
No
No
No
Optional
Optional
No
No
No
Basic
Up to $20,000,000
Up to $1,000
Replacement to Sum insured
Save up to 20% with our multi-policy discount.
Save up to 20% with our multi-policy discount.
$150 off house insurance with promo code HOME150. Offer ends November 2.
Yes
Yes
Yes
No
Up to $1,000
Up to $500
Up to $15,000
No
Up to $15,000
Excess of $1,000 if unoccupied for more than 60 days
No
Basic
Up to $2,000,000
No
Covers the indemnity value of your home, limited to the sum insured.
Get up to 10% off by combining house and contents.
Yes
Yes
Yes
Up to $2,500
No
No
No
5% of the sum insured or $30,000 whichever is greater
Up to 90 days, conditions apply
No
Basic
Up to $2,000,000
Up to $2,000
The most AAI will pay for any one event is the total of the Reinstatement cost to repair or replace your home for Replacement cover or the Sum insured for Sum insured cover or Indemnity cover.
Multi policy discount
AA Member discount
24/7 access to expert
Yes
Yes
Yes
Yes
No
Yes
Up to $50,000
No
Up to $20,000 up to a period of 12 months
Up to 61 days, with excess
No
Basic
Up to $1,000,000
Up to $1,500 with excess
Market value cover up to Sum Insured
Multisaver discount for Car, Home, Contents, and Boat cover.
Yes
Yes
Yes
Optional, no excess
No
No
Optional
Optional
up to $20,000 or 12 months, whichever is the lesser
Up to 60 days
No
Basic
Up to $2,000,000
No
Payment to Home Sum Insured
No
Yes
Yes whichever is higher
Yes
No
Up to $500
Up to $50,000
No
Up to 10% of the Sum Insured for up to 12 months
Up to 60 days
No