You’ve got your new home. We’ve got you protected.

Stress less about your mortgage with Zurich Home Loan Protection

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Home Loan Protection

Cover for the total outstanding balance of your loan up to $1 million.  

Life Only

If you die or you’re diagnosed as terminally ill with less than 12 months to live, we'll pay a lump sum up to $1 million that can be used to pay your loan.

Protect your mortgage payments against life’s uncertainties.

Illness, Injury and Involuntary Unemployment

If you can't work because of illness or injury, we'll pay the minimum loan repayment up to $10,000 a month for up to 18 months. If you lose your job through no fault of your own, we'll pay the minimum loan repayment. The maximum we'll pay is $10,000 a month for up to 90 days.

Life and Illness, Injury and Involuntary Unemployment cover that helps safeguard your mortgage.   

Full Protection

This cover combines both Life benefit, Illness and Injury and Involuntary Unemployment benefits.

Buying a home is hard. Make sure you get protected.

Zurich Home Loan Protection can help you cover mortgage payments if you can't work temporarily because of illness, injury or involuntary unemployment. 

It can also cover the total outstanding balance on your loan (up to $1 million) if you pass away, or you're diagnosed with a terminal illness with less than 12 months to live. Plus, your cover amount and premiums can decrease as you pay off your home loan.

Why take out Zurich Home Loan Protection?

Feel right at home with Zurich

Home Loan Protection

Here's why Zurich Home Loan Protection stands out:

Involuntary Unemployment: Our home loan protection helps you temporarily secure your mortgage repayments, even if you lose your job through no fault of your own.
Affordable Premiums: Get a quote to see the premiums for your cover amount. Enjoy premiums that can decrease as you pay off your home loan.
Flexibility: We provide essential protection with cover options you can choose from to fit your needs and budget.

Things to know before you apply

Before applying for Zurich Home Loan Protection, here are some key points to keep in mind. 

Zurich Home Loan Protection

To be able to accurately calculate your cover amount and monthly premium we will request secure access to your loan details using open banking, an arrangement set up by the Government’s Consumer Data Right service. To learn more about Consumer Data Right visit: https://www.cdr.gov.au/. Please note, you will be asked annually to provide permissions for us to access your loan details monthly. Please refer to the CDR Guide for more information on how Zurich will handle your data. View CDR Guide.


Zurich Home Loan Protection

Zurich Home Loan Protection offers financial protection for those with mortgages, covering death, illness and injury, or involuntary unemployment. View exclusions in the PDS


Zurich Home Loan Protection

Premiums for Zurich Home Loan Protection follow a stepped structure, which means they generally go up for the same cover amount as you get older. Make sure you take this into account, as you’ll need to keep paying your premiums to remain covered. Premium rates are subject to change.


Zurich Home Loan Protection

This webpage provides a summary of the key features of Zurich Home Loan Protection. Limits and exclusions are applicable on the product so make sure you review the PDS to make sure this product is right for you.

Product disclosure statement
Product FAQs
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With Zurich Home Loan Protection, you can get covered quickly and ensure you’re protected from the unexpected.  

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Zurich Home Loan Protection is issued by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 (Zurich). This information does not take into account your personal objectives, financial situation or needs. You should consider these factors and the appropriateness of the information to you. Consider seeking advice specific to your individual circumstances from an appropriate professional. You should also consider the Product Disclosure Statement (PDS) available at www.zurich.com.au in deciding whether to acquire or to continue to hold the product. Furthermore, this product has been designed to meet certain objectives, financial situations and needs, which are described in its Target Market Determination available on our website. More info.