Home And Contents Insurance - Protecting Your Home And Everything Inside It

IAL has a range of products with flexible options designed to meet your needs and protect your home and your belongings. Choose cover for building or contents only, or combine the two into one single policy.


Choose from IAL three levels of Home and Contents Insurance:

Listed Events Base

Listed Events Base provides comprehensive cover for a series of listed events as well as options to specify items for cover away from the home. Listed Events Base covers:

  • Fire/Explosion
  • Smoke
  • Lightning
  • Earthquake
  • Theft/Break In
  • Vandalism
  • Escape of Liquid
  • Electric Motor Burnout
  • Accidental Glass Breakage
  • Riots/Civil Commotions Impact

Listed Events

Listed Events provides comprehensive cover for the same series of listed events but with more flexibility and higher limits of cover for your home and contents.

Accidental Damage

The most comprehensive level of protection providing cover for your home and/or contents that are accidentally destroyed lost or damaged with higher limits on all additional covers and benefits.


Landlords Insurance – Safeguarding Your Investment

Available with two levels of cover so you can choose the one that best suits your needs.

Key features – All products

  • Automatic Flood Cover
  • Protections against vandalism & intentional acts by tenants
  • Accidental breakage of fixed glass
  • Environmental/Green benefit up to $5,000
  • Liability cover up to $20m

Optional features

  • Loss of rent cover
  • Rent default cover
  • Theft by tenant cover

Additional cover Accidental Damage* Listed Events*
Architects & surveyors fees Up to 15% building sum insured Up to 10% building sum insured
Removal of debris Up to 15% sum insured Up to 10% sum insured
Electric motor burnout 15 years 7 years
Tax audit Up to $5,000 Up to $2,000
Automatic contents cover up to $10,000 when you have insured your buildings Paid in addition to value of contents cover

Motor Insurance - Keeping You On The Move

We have different levels of cover available with flexible excess options to ensure you and your car are covered.

Comprehensive Insurance

The most complete level of protection for your car covering accidents, theft, fire and damage to your car and the property of others.

  • Flexible excess options to reduce your premium
  • If your new car is a total loss within the first three years (60,000km) we will replace your car with a new one including on road costs.
  • Guarantee on repairs for as long as you own your car.
  • Free rental car for up to 14 Days if your car is stolen.
  • Lock and key replacement if your keys are stolen up to $2000.
  • Cover for baby seats up to $500 damaged in an accident.
  • Optional extras including free windscreen replacement and rental car options.

Third Party Property Damage

A basic level of cover that protects yourself financially if you accidentally cause damage to another car or other people’s property.

  • Flexible excess options to reduce your premium.
  • Legal liability cover up to $30 million.
  • Additional cover for loss or damage caused by someone else who is not insured, up to $4000.

To get a quote on any of the IAL Products, please contact your Broker.

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Get help from Australia's largest insurance broking network. Click the box to find a local Broker.

Get help from Australia's largest insurance broking network. Click the box to find a local Broker.

FIND A BROKER