Defence Service Homes Insurance Scheme

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What is the Defence Service Homes Insurance Scheme?

The Defence Service Homes Insurance Scheme (commonly referred to as DSH Insurance) provides home building insurance to all current and former members of the Australian Defence Force (ADF) with at least one day of service regardless of their type of service.

DSH Insurance also provides access to a range of other insurance products including, for example, contents, landlord and car insurance. These products are available to anyone in the Defence community.

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Who is eligible for the Defence Service Home Insurance Scheme?

Eligibility criteria applies to DSH Insurance’s home building insurance.

If you have served in the ADF or you are the widow/widower of someone who has, you are eligible to access home building insurance through DSH Insurance.

If you are not eligible for home building insurance through DSH Insurance but are part of the Defence community, we can arrange a home building policy through QBE Insurance (Australia) Limited.

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What do we offer?

DSH Insurance offers building insurance coverage with:

  • flood, fusion and accidental damage cover as standard 
  • no excess other than for earthquakes and some accidental damage claims
  • flexible payment options, and
  • economical premiums.

DSH Insurance can also arrange other personal insurances through partnership with QBE including:

  • contents
  • car
  • caravan
  • residential landlords liability, and
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How you can access DSH Insurance

You can contact us on:

Phone: 1300 552 662

Email: dsh [at]


If you need to update your property information, set up direct debits or anything else you can download the forms.

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If you have a claim

Contact DSH Insurance on 1300 552 662 or use the online form

  • Do:
    • take all reasonable precautions to prevent further loss, damage or liability
    • notify the police immediately if any of your property is lost, stolen or vandalised
    • contact DSH Insurance as soon as possible for advice on the process and the next steps to take (we may ask you to complete a claim form)
    • give the information DSH Insurance asks for to help your claim
    • have proof of ownership if your claim involves possessions
    • provide any communication from a third party or their representative if they are making a claim against you or any legal documents that relate to the incident.
  • Do not:
    • admit fault
    • offer to pay for anything
    • commence repairs before contacting DSH Insurance and getting approval, except for emergency repairs (refer to your policy in relation to emergency repairs) 
    • delay in contacting DSH Insurance to advise of claim.
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