Home Building Insurance FAQs

The DSH Insurance building cover extends coverage to your home office or surgery, but excludes any part of the building used for business, manufacturing or trade. For more information read our building PDS.

It is the responsibility of the tenant to advise you if they are running a business from home. DSH Insurance will require an advice from you in writing on their business details to determine the coverage. For more information read our building PDS.

You are not covered. DSH Insurance policy excludes business. For more information read our building PDS.

You will need to ensure you have an adequate cover for home and business. Please review your policy wording. For more information read our building PDS.

DSH Insurance provides competitively priced home building insurance tailored to all current and former members of the ADF (including reservists and widow(er)s of those ADF members). Our cover includes the following features:

  • flood
  • accidental damage (up to $5,000)
  • storm damage to fences
  • fusion of electric motors that are part of your home, regardless of age of the motor
  • a tailored claims process supported by a broad network of loss adjusters and contractors
  • temporary accommodation should your home become unfit to live in

DSH Insurance underwrites its home building insurance.

DSH Insurance reduces the risk of underinsurance by setting the Sum Insured for you based on the full replacement cost of your home using new materials at today’s prices.

We take a personalised approach by asking a series of questions about your property and using our Building Cost calculator. This approach allows us to accurately calculate the full replacement cost of your home and means you can have peace of mind that should something happen, you will be fully covered.

When we calculate the full replacement cost of your home, we include costs associated with the replacement of any permanent features such as timber floors, verandas and pergolas, garages and carports, swimming pools, fences, external structures (e.g. sheds), concrete paths and paving. We also factor in costs for temporary accommodation, loss of income if the home is rented out, demolition and removal of debris, and plans and permits.

For more detailed information about how DSH Insurance sets home building insurance premiums, see the Home Building Insurance - Premium Rates FAQs ​​​​​​

Premiums are competitively priced and based on:

  • the Sum Insured value which takes into consideration the individual attributes of the policyholder’s home, and
  • the likelihood of certain events (e.g. floods, cyclones, bushfires) occurring in a particular location (i.e. street address) and the impact of those events.

For more detailed information about how DSH Insurance sets home building insurance premiums, see the Home Building Insurance - Premium Rates FAQs

Your DSH Insurance policy covers you for loss or damage to your home caused by flood.

Our friendly DSH Insurance advisors can provide you with a Certificate of Currency if required. Just call us on 1300 552 662 or email dsh@dva.gov.au.

DSH Insurance’s Product Disclosure Statement for its home building insurance can be accessed on our Home Building Insurance page or by contacting us on 1300 552 662 or via email dsh@dva.gov.au.

Your DSH Insurance policy provides you with cover up to $5000 for accidental loss or damage. Refer Part 2 Page 24 of the Product Disclosure Statement.

Your DSH Insurance policy provides you with cover for loss or damage to any domestic electrical motor that forms part of your home. Refer Part 3 Page 26 of the Product Disclosure Statement

You must tell us in writing if your home is going to be unoccupied for more than 90 consecutive days. We will ask you what measures you are taking to ensure the safety of your home while the home is unoccupied.

DSH Insurance’s home building policy is intended for domestic purposes only and excludes any part of the property/home used for business purposes. The policy can be extended to outbuildings and rural fencing and if requested will be added to the Sum Insured calculation and will attract an additional premium.

DSH Insurance offers a monthly payment option at no extra cost.

Yes. Current and former members of the ADF and their widows and widowers can take out home building insurance through DSH Insurance for investment properties such as rental properties and holiday homes. However the eligible policyholder must be the owner of the property.