Defence services home insurance: how to choose the right one for you

Defence services home insurance: how to choose the right one for you

As a member of the defence services, you have dedicated your life to serving your country. You deserve the peace of mind that comes with knowing your home and belongings are protected. That’s where defence services home insurance comes in. This specialized insurance is tailored to meet the unique needs of military personnel and their families. From coverage for damage to your home or personal property to liability protection in case of accidents, defence services home insurance has got you covered. Let’s take a closer look at why this type of insurance is essential for those who serve.

Unveiling the Mystery: Who Underwrites DSH Insurance?

Defence Services Homes (DSH) is an Australian government-owned insurance company that provides home insurance to current and former members of the Australian Defence Force (ADF).

What is Underwriting?

Underwriting is a process where an insurance company assesses the risk of insuring a particular property or individual. The underwriter decides whether to accept the risk and at what premium.

Who Underwrites DSH Insurance?

DSH Insurance is underwritten by QBE Insurance (Australia) Limited (QBE), one of Australia’s largest insurance companies. QBE is a publicly listed company and has been operating in Australia for over 130 years.

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Why is QBE Underwriting DSH Insurance?

DSH is a government-owned insurance company that provides insurance exclusively to current and former members of the ADF. QBE has been chosen to underwrite DSH Insurance because of its financial strength, expertise in the insurance industry, and its ability to provide competitive premiums.

What Does it Mean for Policyholders?

Policyholders can be assured that their insurance is underwritten by a reputable and financially secure insurance company. In the event of a claim, policyholders deal directly with DSH, but the claim may be managed by QBE.

Easy Steps to Contact DSH Insurance: A Quick Guide

Defence Services Homes (DSH) Insurance provides insurance policies to Australian Defence Force (ADF) members and their families. If you are a member or family of the ADF, you may be eligible for insurance coverage from DSH Insurance.

Contacting DSH Insurance

If you need to contact DSH Insurance, there are a few easy steps you can take:

  1. Visit the DSH Insurance website: You can find information about DSH Insurance policies, claims, and contact information on their website. The website also has a “Contact Us” page where you can submit a message to DSH Insurance.
  2. Call DSH Insurance: You can call DSH Insurance at 1300 552 662. They are available Monday to Friday from 8:30am to 5:00pm AEST.
  3. Email DSH Insurance: You can send an email to DSH Insurance at They typically respond within two business days.

DSH Insurance Policies

DSH Insurance offers a variety of insurance policies, including:

  • Home and Contents Insurance: This policy provides coverage for your home and personal belongings in the event of theft, damage, or loss.
  • Landlord Insurance: This policy provides coverage for landlords who rent out their properties.
  • Motor Vehicle Insurance: This policy provides coverage for your vehicle in the event of an accident, theft, or damage.
  • Travel Insurance: This policy provides coverage for medical emergencies, trip cancellations, and other travel-related issues.
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Making a Claim

If you need to make a claim with DSH Insurance, you can do so by:

  1. Calling DSH Insurance: You can call DSH Insurance at 1300 552 662 to start the claims process.
  2. Submitting a claim online: You can submit a claim online through the DSH Insurance website.
  3. Emailing DSH Insurance: You can send an email to to start the claims process.

When making a claim, you will need to provide information about the incident, such as the date and time of the incident, any witnesses, and any documents or evidence related to the incident.

Understanding DSH Insurance: Everything You Need to Know

Defence Services Home (DSH) Insurance is a type of insurance policy that is available exclusively to current and former Australian Defence Force (ADF) members, as well as their partners and dependents.

What Does DSH Insurance Cover?

DSH Insurance provides coverage for a range of events that could potentially cause damage to your home, including:

  • Fire and explosion
  • Storm, rainwater, and flood
  • Impact damage
  • Burglary and theft
  • Riot and civil commotion
  • Malicious damage
  • Accidental breakage of glass and sanitary fixtures
  • And more

It’s important to note that DSH Insurance policies differ slightly depending on whether you own your home outright or have a mortgage.

How Much Does DSH Insurance Cost?

The cost of DSH Insurance varies depending on a number of factors, including:

  • The value of your home and contents
  • The level of coverage you require
  • Whether you own your home outright or have a mortgage
  • Your claims history
  • And more

However, as DSH Insurance is a not-for-profit organisation, premiums are generally lower than those of other insurance providers.

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How to Apply for DSH Insurance

If you are eligible for DSH Insurance, you can apply for a policy by contacting the DSH Insurance team directly. You will need to provide information about your home and contents, as well as any relevant personal details.

It’s worth noting that there is often a waiting period before your policy takes effect, so it’s important to apply as early as possible.

The Benefits of DSH Insurance

There are a number of benefits to choosing DSH Insurance, including:

  • Lower premiums than other insurance providers
  • Coverage that is tailored specifically to the needs of ADF members and their families
  • The option to pay premiums via payroll deduction
  • Support for the wider Defence community through the DSH Foundation
  • And more

If you are a current or former member of the ADF, or a family member, DSH Insurance could be a great option for protecting your home and belongings.

In conclusion, when it comes to protecting your home and belongings, it’s important to choose a reliable and comprehensive insurance policy. With Defence Services Home Insurance, you can have peace of mind knowing that your home is protected from unexpected events. Remember to review your policy regularly and make any necessary updates to ensure that you have adequate coverage. Thank you for reading, and I wish you all the best in protecting your home.

If you found this article informative and engaging, be sure to visit our Homeowners insurance section for more insightful articles like this one. Whether you’re a seasoned insurance enthusiast or just beginning to delve into the topic, there’s always something new to discover in See you there!

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