Home insurance tailored to your lifestyle

Protect your home contents, buildings and portable items with home insurance from Discovery that is comprehensive, flexible and affordable. You get more than just insurance for your home with us: you also get innovative benefits and convenient service features.

Building insurance

Building insurance from Discovery covers the main building and any outbuildings on your property. Get extra peace of mind with our comprehensive cover that includes:

No excess for weather-related claims (on the Classic and Purple Plans)
Cover for accidental loss or damage to your building and any fixed glass, mirrors and sanitaryware
Peace of mind with emergency security and alternative accommodation
Emergency plumbing, electrical and locksmith services
Cover for keys, locks and remote controls
Damage to gardens, trees, plants, shrubs and irrigation systems on the grounds of your building.
Accidental loss or damage to swimming pool filters, borehole and other water pumps in domestic use at your building

Tailor your building insurance with these optional features

Cover for wear and tear of pipes and water-heating systems

You have the option to insure your geysers, pipes and water heating systems for wear and tear, rust, decay and faulty workmanship for an additional premium (automatically included on the Purple Plan)

Additional subsidence and landslip cover

You can get cover for destruction of or damage to your building that is caused by subsidence or landslips, and get additional cover for loss or damage that is caused by or worsened by soil contraction, shrinking or expansion

Excess flexibility

You can choose an excess amount to suit your needs, including zero excess across all sections of cover

More than 60 days' unoccupied cover

We'll cover you for loss or damage if your building is unoccupied for more than 60 consecutive days

Home contents insurance benefits and features

View our plan comparison

Home contents insurance

Whether you are a home owner or renting property, you will need home contents insurance to safeguard your valuable items. You get comprehensive home contents insurance from us that includes:

No excess for theft (forced entry) and weather-related claims (on the Classic and Purple Plans)
Peace of mind with emergency security and alternative accommodation
Be sure your home contents are insured correctly. Complete an asset inventory assessment and know that your home contents are assessed and insured correctly
Protection from power surges
Ability to store important documents, proof of ownership and valuation certificates in our Online Vault

Tailor your home contents insurance with these optional features

Comprehensive accidental damage cover

You can get additional accidental damage cover for more peace of mind (automatically included on the Purple Plan).

More than 60 days' unoccupied cover

We'll cover you for loss or damage if your building is unoccupied for more than 60 consecutive days

Comprehensive subsidence and landslip cover

Cover your household contents for loss or damage as a result of damage to or destruction of your building caused by subsidence or landslip

Excess flexibility

You can choose an excess amount to suit your needs, including zero excess across all sections of cover

Cover for goods in the open

You can choose to increase the benefit limit that covers goods in the open for an additional monthly premium

Portable possessions insurance

Get comprehensive portable possessions cover that will cover the risk of your insured items being stolen, lost or damaged, anywhere in the world. You can have peace of mind that your items are covered when your take them out of your home.

Manage your portable possessions cover and premium with Estimated Maximum Loss
Store important documents, proof of ownership and valuation certificates in our Online Vault
We'll cover you for theft from your unattended vehicles, without visible, violent and forcible entry
You can choose to repair or replace your jewellery at your specific provider

Additional benefits

Enjoy these additional benefits with your Portable Possessions cover:

Excess flexibility

Choose an excess amount to suit your needs, including zero excess across all sections of cover.

Upgrade to the latest smart phone

Purple Plan clients can upgrade to the latest Apple or Samsung phone every year.

Cover for clothing and personal effects

You can choose cover for portable possessions to protect yourself against loss or damage to these items anywhere in the world.

Buildings insurance benefits and features

Building insurance benefits and features

View our plan comparison

DISCOVERY INSURE PLAN GUIDE