Coles Insurance building insurance: what each policy covers, and who underwrites it
2 building policies from Coles Insurance. For each: how the building is valued, whether flood and accidental damage are covered, and what happens once the building is left empty, with the sentence from its own documents. Underwritten by Auto & General Insurance Company Limited.
- Website
- colesinsurance.com.au/
- What it is
- Brand
- Listed on
- Houses and rental properties
- Underwriter
- Auto & General Insurance Company Limited
- APRA
- Authorised by APRA to write new general insurance (listed as Auto & General Insurance Company Limited)
- Sold by
- Auto & General Services Pty Ltd · AFSL 241411
Building policies
Coles Home Building Insurance
- Type
- Home building · Residential
- Sold
- Direct
- Building valued as
- Sum insured
- Flood
- Optional extra
- Accidental damage
- Not stated
- Left empty
- Extra $1,000 excess after 60 days; no cover at all after 180 days. You must tell the insurer. Must keep it secure, garden and mail tidy and checked regularly, or a claim may be refused or reduced.
- Who it is for
- Owner-occupiers and landlords of free-standing houses, townhouses, duplexes, terraces or villas; not available in the NT, North Qld and Northern WA.
- Documents
- Home Insurance page · Coles Home and Contents Insurance Product Disclosure Statement (1 July 2024) · Supplementary PDS (5 March 2026) · Key Facts Sheet - Home Building · Target Market Determination (home) (25 July 2024)
- Coles' own PDS (prepared 1 July 2024) was not retrievable (403), so accidental damage and any safety-net buffer are not recorded.
- Home and Landlord Insurance not available in NT, North Qld and Northern WA.
The policy
“Home Building Insurance covers loss or damage to your home which you own and use for domestic or residential purposes.”
Source: colesinsurance.com.au/home-insurance · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.”
Source: colesinsurance.com.au/home-insurance · Confirmed on the insurer's page on 13 November 2026.
How the building is valued
“Under this policy, you set the maximum level of cover and your payout is limited to that amount (Sum Insured).”
Source: ecommerce.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf · Confirmed on the insurer's page on 13 November 2026.
Flood
“For extra protection you can take out optional Flood cover.”
Source: colesinsurance.com.au/home-insurance · Confirmed on the insurer's page on 13 November 2026.
Left empty
“When your home is unoccupied for more than 60 consecutive days and you make a claim, an additional excess of $1,000 will apply.”
Source: ecommerce.disconline.com.au/branding/resources/EXCL/legal/home/HPDSEXCL.pdf · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“own a home in Australia used for residential purposes either as an owner occupier or a landlord.”
Source: autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/EXCL/legal/home/20240725_TMD.pdf · Confirmed on the insurer's page on 13 November 2026.
Coles Landlord Insurance
- Type
- Landlord · Residential
- Sold
- Direct
- Building valued as
- Sum insured
- Flood
- Optional extra
- Accidental damage
- Not stated
- Left empty
- Extra $1,000 excess after 60 days; no cover at all after 180 days. You must tell the insurer. Must keep it secure, garden and mail tidy and checked regularly, or a claim may be refused or reduced.
- Who it is for
- Owner-occupiers and landlords of free-standing houses, townhouses, duplexes, terraces or villas; not available in the NT, North Qld and Northern WA.
- Documents
- Home Insurance page · Coles Home and Contents Insurance Product Disclosure Statement (1 July 2024) · Supplementary PDS (5 March 2026) · Key Facts Sheet - Home Building · Target Market Determination (home) (25 July 2024)
- Coles' own PDS (prepared 1 July 2024) was not retrievable (403), so accidental damage and any safety-net buffer are not recorded.
- Home and Landlord Insurance not available in NT, North Qld and Northern WA.
The policy
“Coles Home and Landlord Insurance is issued by Auto & General Insurance Company Ltd ACN 111 586 353, AFSL 285571 (AGIC).”
Source: colesinsurance.com.au/home-insurance · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.”
Source: colesinsurance.com.au/home-insurance · Confirmed on the insurer's page on 13 November 2026.
How the building is valued
“Under this policy, you set the maximum level of cover and your payout is limited to that amount (Sum Insured).”
Source: ecommerce.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf · Confirmed on the insurer's page on 13 November 2026.
Flood
“For extra protection you can take out optional Flood cover.”
Source: colesinsurance.com.au/home-insurance · Confirmed on the insurer's page on 13 November 2026.
Left empty
“When your home is unoccupied for more than 60 consecutive days and you make a claim, an additional excess of $1,000 will apply.”
Source: ecommerce.disconline.com.au/branding/resources/EXCL/legal/home/HPDSEXCL.pdf · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“own a home in Australia used for residential purposes either as an owner occupier or a landlord.”
Source: autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/EXCL/legal/home/20240725_TMD.pdf · Confirmed on the insurer's page on 13 November 2026.
Who underwrites and sells it
Underwriter
“This SPDS is issued by Auto & General Insurance Company Limited ABN 42 111 586 353, AFS Licence No 285571.”
Source: autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/EXCL/legal/home/20260625_SPDSEXCL.pdf · Confirmed on the insurer's page on 13 November 2026.
Who sells it
“It is arranged by Auto & General Services Pty Ltd ACN 003 617 909, AFSL 241411 (AGS)”
Source: colesinsurance.com.au/home-insurance · Confirmed on the insurer's page on 13 November 2026.
Auto & General Insurance Company Limited: licence
- AFS licence
- 285571 · AUTO & GENERAL INSURANCE COMPANY LIMITED
- ABN
- 42111586353
- Licensed since
- 15 June 2005
- Principal business
- Toowong QLD 4066
- General insurance
- Licensed to deal in general insurance products
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
Distributor's licence
- AFS licence
- 241411 · AUTO & GENERAL SERVICES PTY LTD
- ABN
- 61003617909
- Licensed since
- 10 March 2004
- Principal business
- Toowong QLD 4066
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. What each policy covers and who underwrites it are read from each insurer's own documents by hand and re-checked daily, so a change can take a day to appear, and the policy wording you are issued is what applies to you. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.