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Description
Cover summary
- Nominate a sum insured for your contents
- Specify a sum insured for each item worth more than $15000
- Up to $20 million
- Cover for anyone living at the insured address
- Cover for incidents in Australia
Cost
Covered events
- Covers theft, attempted theft and burglary
- No cover for theft by deception
- Covers theft by someone carrying out a commercial service
- No cover for theft by residents or someone at the premises with consent
- Covers accidental fire; bushfire; soot/smoke from bushfire; soot/smoke from accidental fire within 100m of building; and fire caused by mechanical, electrical or electronic breakdown/failure
- 72 hour waiting period for bushfire
- Covered
- Covers landslip and subsidence but must occur within 72 hours of flood
- No cover for damage caused by rising damp; seepage; or landslip, subsidence or erosion over time
- No cover for damage to retaining walls, jetties or pontoons
- No cover for damage caused by water leaking down the sides or against the sides or underneath to in-ground structures
- 72 hour waiting period
- Covers storm; lightning; wind; hail; snow; storm water overflow from roof gutters, downpipes and the area immediately around premises; and mechanical, electrical or electronic breakdown or failure caused by the storm
- Covers landslip and subsidence but must occur directly because and within 72 hours of storm
- No cover for damage caused by rising damp; seepage; or landslip, subsidence or erosion over time
- No cover for damage to retaining walls, jetties or pontoons
- No cover for damage caused by water leaking down the sides or against the sides or underneath to in-ground structures
- Additional excess applies if you submit claim more than 90 days after storm
- Rain, wind, hail or snow entering building not covered unless through opening created by the storm, or an opening you could not reasonably be aware of
- 72 hour waiting period
- Covers damage caused by animals not kept at the premises
- Covers fire caused by amphibians, insects, lizards, pets, rodents, vermin or other animals kept at or allowed onto premises
- Covers damage caused by birds that are accidentally trapped inside building biting, chewing, clawing, pecking, scratching, soiling, tearing or urinating
- Covers damage caused by amphibians, insects, lizards, rodents or vermin escaping water
- Accidental damage option covers damage caused by pets or other animals kept at or allowed onto premises
- No cover for damage caused by any other animal biting, chewing, clawing, pecking, scratching, soiling, tearing or urinating
- Optional
- Choose cover for building, contents, or both
- Covers accidental loss and damage to home and contents
- No cover for business items (insurable under a separate option)
- No cover for items which have reached the end of their functional life or kept at a storage facility
- No cover for retaining walls, jetties or pontoons
- No cover for swimming pools or outdoor spas including covers and liners
- No cover for damage caused by earthworks, construction or renovation
- No cover for burning, melting or scorching caused by processes that involve heat or fire relating to any substance designed to be burned or heated up
Claims
- Repair damaged property
- Replace damaged property
- Pay you the property's replacement value, up to your sum insured or other sublimits
Building
- Up to 20% sum insured overall
- Limit combined with debris removal
- Up to 20% sum insured overall
- Limit combined with professional fees
- Building only
- Up to 12 months or 10% building sum insured
- Paid on top of sum insured
- Covers residential accommodation at a similar standard to your home, mail redirection, utility connection costs and removal costs
- Up to 48 weeks for residential accommodation
- Up to 4 weeks for emergency or short-term accommodation
- Up to $3000 for pet accommodation
- Up to $250 per month of pet accommodation
- Available after a claim for building damage
Contents
- Covers general contents for accidental loss/damage
- Up to contents sum insured overall
- Up to $15000 per item
- Covered anywhere worldwide
- Contents excess applies
- Optional
- Cover for accidental loss/damage
- Covered anywhere worldwide
- Contents excess applies
- Up to 10% contents sum insured
- Paid on top of sum insured
- Covers moving/storing contents
- Nominate a sum insured for this category
- Up to $15000 per item, set or pair
- Optional
- Up to 20% contents sum insured overall
- Cover for accident involving removal vehicle and fire
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