Home & Contents Insurance – What Can I Claim?
You can salary package the cost of your home and contents insurance premiums using pre-tax income if this benefit is offered by your employer, provided the policy is in your name or your spouse’s name and you have paid for it directly.
What you can claim
- Home and contents insurance premiums paid by you
- Policies in your name or your spouse’s name
- Premiums you have already paid as a reimbursement
- Instalment-based premiums, such as weekly, fortnightly or monthly direct debits, if you provide the required evidence
- Up to 12 months of instalments, including the amount already paid and/or the remaining instalments until your renewal date, where your policy shows ongoing payments and you provide evidence of at least one payment
What you can't claim
- Insurance that was not paid directly by you
- A policy in someone else’s name, unless it is in your spouse’s name
- Claim without a current insurance policy document and proof of payment
Documentation Requirements
What documents do I need?
You’ll need a copy of the current home and contents insurance policy, either for a new policy or renewal. The policy should show your name or your spouse’s name, the insurer’s name, the policy type, the period of insurance, the premium amount, the payment type, and any stamp duty or GST if available.
What proof of payment can I provide?
You can provide a receipt, BPAY payment confirmation, direct debit details shown on the policy document, or a financial institution statement showing the direct debit payment(s).
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Examples
Can I salary package my annual home and contents insurance premium?
Emma paid her annual home and contents insurance premium, and the policy is in her name. Home and contents insurance is an eligible expense, so Emma can submit a claim as long as she provides a copy of the insurance policy, along with proof of payment.*
Can I claim monthly home and contents insurance instalments?
Liam has a home and contents insurance policy with monthly direct debit payments. His policy shows the ongoing instalment arrangement, and he can provide evidence of at least one payment. Home and contents insurance instalments may be eligible, so Liam can claim up to 12 months of instalments including the amount already paid and/or the remaining instalments until the policy renewal date, provided he supplies a copy of the insurance policy, along with proof of payment.*
Can I claim a policy paid by someone else?
Olivia has a home and contents insurance policy in her name, but the premium was paid by another person. Home and contents insurance premiums can only be claimed when paid directly by the claimant, so Olivia cannot submit a claim for this expense.*
Can I claim my spouse’s home and contents insurance policy?
Noah paid the premium for a home and contents insurance policy that is in his spouse’s name. Home and contents insurance is an eligible expense, so Noah can submit a claim as long as he paid the premium and provides a copy of the insurance policy, along with proof of payment.*