Safeguarding your home and possessions
Young and old, tenants or homeowners, we all have our valued possessions, along with many more we take for granted. While some are irreplaceable, there are a surprising number we would need to replace, should the worst happen.
What if a major catastrophe – like fire, lightning, storm damage or falling trees – affects your home? How would you afford to replace the clothes, furniture, books and other items lost in a fire? What would be the real cost of rebuilding or repairing your home to the quality and size it is now?
Less dramatic incidents take their toll as well. It’s amazing how much damage children can unwittingly do with balls, paint and other “playthings”.
And what of those daily life essentials we take out and about – music players, mobile phones, digital cameras and sunglasses? Small, portable, easy to lose, and appealing to thieves. Costly to replace and frustrating to do without.
With Wagga Mutual’s Home Building, Home Contents and Valuables insurance, you can cover any or all of these scenarios, depending on your own lifestyle and assets. And you’ll only pay for what you need.
Wagga Mutual’s Home and Contents Insurance gives you peace of mind that, if, through specific events, your property is damaged, destroyed, lost, or stolen, it can be repaired or replaced. And it will usually be on a “new-for-old” basis, regardless of the item’s age.
Competitive, convenient cover, backed by QBE
Home Insurance is one of a comprehensive range of insurance solutions Wagga Mutual offers through our association with QBE Insurance.
Core Cover
Home building and contents core defined events
- Fire
- Explosion
- Lightening or thunderbolt
- Earthquake
- Theft
- Vandalism
- Water or other liquid
- Collision
- Falling tree, branch or aerial
- Damage by animals
- Riot
- Storm, Rain or Flash Flood
- Accidental Glass Breakage
View our summary of benefits
A range of ways to save
With Wagga Mutual, there are many ways to enjoy substantial discounts on your premium.
Building and contents discount
Insure both your building and contents with Wagga Mutual and you get a discount on both policies.
Security discounts
The more secure your property is – through standard door locks and deadlocks, window locks, and either local or monitored alarms – the less you pay.
Household no claim bonus
If you don’t claim, you will be rewarded, with a discount of up to 30% applying if there are no claims in the past 3 years.
A choice of Excess
Your excess is the initial amount that you pay if you make a claim, and we offer options of $100, $300 and $500. The higher the excess you choose, the lower the premium you’ll pay.
Over 50s Discount
If you’re a little older, your premium will also be reduced.
Easy to arrange, simple to claim
The convenience of having Home Insurance under the same roof as your financial services isn’t the only way we make life easier. From making your application to making a claim, Wagga Mutual ensures things are as straightforward and easy as possible.
You can apply online, by phone, or at any branch. Flexible payment options include fortnightly, monthly or annual direct debit, cash, cheque or credit card (excluding American Express).
If you do need to make a claim, we won’t make you wade through paperwork. QBE have a 24-hour emergency claims number, and in most cases, you need just provide details over the phone.
Online Quote
To obtain a quote using our online form.
Apply
Contact us to apply for home insurance. 
Important Notes
Terms, conditions and acceptance criteria apply. Cover limits apply as set out in the policy wording. This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement available at all Wagga Mutual Credit Union branches to decide if a product is right for you
Insurance issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545.
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