Standard house insurance

House insurance that covers the essentials. Great for the budget conscious or those who want the safety of insurance without the extras.
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Key benefits

  • Temporary accommodation

    Up to $15,000 for temporary accommodation expenses. It means you'll have somewhere to live if you have to move out of your home because it's uninhabitable as a result of a claim we've accepted.

  • One event, one excess

    If one event means you need to claim on multiple Tower car, home and contents policies, you’ll only need to pay one excess. It’s the highest excess that will apply.

  • Retaining wall cover

    We’ll repair or rebuild any damage to your garden retaining walls up to $15,000

  • Keys and locks cover

    Up to $500 cover, free of any excess, to replace keys, remote door openers and locks if yours are stolen, lost or illegally copied.

This is a summary only. See the policy for the full list of benefits, terms and conditions.

Download policy (PDF, 743KB) 

Other house policies




What it doesn't cover

  • General wear and tear

    Damage to your home made through daily life, ageing and normal wear. However, we do cover you for gradual damage caused by water leaking from a concealed water pipe, tank or hose up to $1,000.

  • Deliberate damage

    Damage to your house by you, your family or by those invited on to your property.

  • Pet damage

    Your pet wreaking havoc on your house and furnishings.

Quote checklist

Here are some things you’ll need to complete your quote:

  • How much it would cost to totally rebuild your house - otherwise known as the 'sum insured'.
    Learn more about sum insured
  • Details of the property, including the year it was built, the materials it's made of, and the total floor area.
  • If there is a self-contained unit on the property, such as a granny flat, you'll need a separate policy for each unit
* Ts&Cs apply. Discount excludes RoadWise, government levies and taxes.