Peace of mind for your treasured items

Whatever your style of home, you’ll want to make sure it’s protected. Fire Service Credit Union can help with this and more.

Why choose home insurance through Fire Service Credit Union underwritten by Allianz?

We’ve taken the hassle out of comparing insurance products. Our home building and contents insurance includes a range of features and benefits designed to give you peace of mind. Whether you are looking for cover for insured events or more comprehensive cover, we can assist.

Our home insurance offers:

  • Up to a 30% No Claim Bonus
  • The option to pay by the month at no extra cost
  • Dedicated claims support 24/7
  • New for old contents replacement, regardless of age
  • Up to 10%* discount if you buy both building and contents cover on the one policy

Choice of home insurance products

Vital Home Insurance

Protection in the event that your home is broken into or damaged by insured events such as storm, fire or earthquake.

Classic Home Insurance

This cover includes everything from our Vital product plus some higher policy limits and some additional features and benefits such as cover for fusion of household electric motors.

Prestige Home Insurance

Our premium product covers you for any accidental loss or damage to your buildings and/or contents (unless we state otherwise in the policy).  Other benefits include legal defence costs, cover for contents in transit and double the legal liability of our Vital product.

Extra ways to save:

  • Combined building and contents discount – When you combine our buildings and contents covers on the one policy, you’ll be rewarded with a discount of up to 10%*.
  • 30% No-Claim Bonus – We offer up to 30% No Claim Bonus on our home insurance policies, meaning you’ll save on your premium each year you don’t make a claim, up to a maximum 30%*+.
  • Increase your excess to reduce your premium# – Our home insurance allows you to increase the excess payable in the event of a claim and we’ll reduce your premium in return.

Insurance Features Comparison Table

  Vital Classic Prestige
       
Key Benefits
Events Covered Insured events
  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Impact damage
  • Lightning or thunderbolt
  • Malicious act
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage
Insured events
  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Impact damage
  • Lightning or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage
Any accidental loss or damage unless specifically excluded
Automatic indexation of sum insured
Compensation for death (Up to $10,000)  
Compensation for Fracture (Limits apply) -
Cover for contents in open air at the risk address (Sub-limits for selected contents based on insured events causing loss or damage)      
Contents in safe deposit   (excludes cover for theft)      
Cover for fraudulent use of lost or stolen credit cards Up to $2,500 Up to $5,000 Up to $5,000
Emergency storage of contents
Environmental benefits
Guests', visitors' and domestic helpers' property (Up to $5,000)      
Landscaping -
Tax Audit -
Legal Defence Costs - -
Transit to your new place of residence - -
Fusion of electric motors - Motors up to 10 years old Motors up to 12 years old
Mortgage Discharge Costs
Legal liability cover Up to $10,000,000 Up to $20,000,000 Up to $20,000,000
Modifications to buildings for paraplegia & quadriplegia (Up to $10,000)      
Replacement of locks and cylinders Up to $1,000 Up to $1,000 Up to $2,000
Security firm attendance (Up to $500)      
Spoilage of refrigerated / freezer food - Up to $500 No specified limit
Temporary removal of Contents from your risk address Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing / or up to $7,500 for contents anywhere else in Australia or NZ.
Title deeds (Up to $2,000)      
Veterinary costs (Up to $500)      

Fire Service Credit Union ABN 187 087 651 152 AFSL237 515 arranges this insurance as agent of the insurer Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708.

We do not provide advice on the ‎insurance based on any consideration of your objectives, financial situation or needs.  The table above is a summary only- policy terms, conditions, limits, exclusion and underwriting criteria apply.  Before making a decision please consider the relevant Product Disclosure Statements available from Fire Service Credit Union by calling 08 8227 2222, visiting your local branch or fscu.com.au.  If you purchase this insurance, we will receive a commission that is a percentage of the ‎premium. Ask us for more details before we provide you with any services on this product.

Minimum premiums may apply.  Any discounts / entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached.  If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges as reduced by any prior applied discounts / entitlements.

To qualify for the maximum No Claim Bonus of 30%, customer must have had no home or contents insurance claims in the preceding five years.  However, customers who have had up to two claims may still qualify for a reduced No Claim Bonus. 

Premiums payable by instalments may be subject to minor adjustments (upwards or downwards due to rounding and financial institution transaction fees may apply.

Excess choice may not be available where an excess higher than the standard excess has been imposed.

At our discretion and subject to availability of the item.