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RAA Contents (strata owners)

RAA Contents (strata owners)

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Cover score
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Customer satisfaction
86%

Description

Insurer
RAA
Policy
Contents (strata owners)
Owner type
Strata owners
Provider
Allianz South Australia Insurance Limited
About the insurer
RAA

Cover summary

Contents cover
  • Nominate a sum insured for your contents
  • 10% underinsurance safety net
Legal liability
  • Up to $20 million
  • Cover for people named on the policy
  • Cover for incidents in Australia and New Zealand
Renters liability

Cost

Same price to pay monthly
1
ACT price comparison
N/A
NSW price comparison
N/A
NT price comparison
N/A
North Queensland price comparison
N/A
South Queensland price comparison
N/A
SA price comparison
$$
Tasmania price comparison
N/A
Victoria price comparison
N/A
WA price comparison
N/A

Covered events

Theft
  • Covers theft, attempted theft and burglary
  • No cover for theft from common areas of multiple occupancy residences or homes being renovated/rebuilt involving interference with roof/external wall
  • No cover for theft by guests, residents or someone entering home with consent of resident/guest
  • Up to $1000 for stolen credit/ATM card fraud
Fire
  • Covers fire; bushfire; and smoke, scorching or heat
  • 48 hour waiting period for bushfire
Flood
u0026#149; Covers flood, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movementu003cbru003eu0026#149; No cover for damage caused by underground (hydrostatic) water, deliberate/malicious damage or destruction of a reservoir or damu003cbru003eu0026#149; 72 hour waiting period
Storm and cyclone
u0026#149; Covers storm, rainwater runoff, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movementu003cbru003eu0026#149; No cover for damage caused by rain, hail or wind entering home through open windows, doors or skylights; or underground (hydrostatic) wateru003cbru003eu0026#149; 48 hour waiting period
Storm surge
Covers storm surge, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
u0026#149; Covers damage caused by falling trees or branchesu003cbru003eu0026#149; Covers damage caused by vehicles, caravans or watercraftu003cbru003eu0026#149; Covers damage caused by satellite dishes and television or radio aerials breaking or collapsingu003cbru003eu0026#149; Covers damage caused by falling debris from space, aircraft, rockets or satellitesu003cbru003eu0026#149; Covers damage to contents caused by ceiling collapseu003cbru003eu0026#149; No cover for damage caused by roots of trees, plants, hedges or shrubsu003cbru003eu0026#149; No cover for damage caused by lopping or felling trees by or at the request of a resident, guest or insuredu003cbru003eu0026#149; No cover for damage to paths, paving or underground services caused by road vehiclesu003cbru003eu0026#149; Does not cover costs to remove fallen trees or branches that have not caused damage to the building
Animal damage
u0026#149; Covers damage caused by animalsu003cbru003eu0026#149; Covers fire caused by birds, insects, mice, rabbits, rats, reptiles, spiders, termites or verminu003cbru003eu0026#149; No cover for damage caused by pets at the home with permission or pets owned/kept/cared for by residents or guests
Escape of liquid
Breakage
Accidental damage
u0026#149; Optionalu003cbru003eu0026#149; Covers accidental loss and damage to your contentsu003cbru003eu0026#149; Choose overall limit from $2000u0026#150;$5000u003cbru003eu0026#149; $250 excessu003cbru003eu0026#149; No cover for cashu003cbru003eu0026#149; No cover for contents that have been misplaced, mislaid or missing where you are unable to identify where the loss occurredu003cbru003eu0026#149; No cover for tools of trade or sporting equipment while in useu003cbru003eu0026#149; Up to 60 days cover for accidental damage and theft of contents anywhere in Australia and New Zealandu003cbru003eu0026#149; No cover for damage caused by damage caused intentionallyu003cbru003eu0026#149; No cover for accidental damage or theft caused by theft or attempted theft by a person, boarder or tenant who, without violent or forcible entry, enters your home with your consent

Claims

Out-of-hours claiming
Online
How the insurer can settle your claim
  • Repair damaged items
  • Replace damaged items
  • Pay you the item's replacement value, up to your sum insured or other sublimits
Cash settlement
  • Customer cost if insurer offers cash
  • Insurer cost if you ask for cash (may be less than retail cost)
  • Insurer may offer non-cash alternatives
New for old contents replacement
1

Contents

Cover for unlisted portable contents
  • Covers general contents for theft and accidental loss/damage
  • Choose overall limit from $2000–$5000
  • Covered anywhere for up to 60 days in Australia and New Zealand
  • $250 excess
  • Optional
Optional cover for specially listed valuables
  • Cover for theft and accidental loss/damage
  • Covered away from home worldwide
  • $0 excess
Contents in the open air
Up to $3000 overall
Temporary accommodation
  • Up to 12 months or 10% sum insured
  • Paid on top of sum insured
  • Covers temporary accommodation for people living at the address
Debris removal
1
Emergency storage
Keys and locks after break-in
Up to $1000 overall
Motor burnout
Motors up to 10 years
Jewellery
  • Up to $10000 overall
  • Up to $5000 per set or piece
Artworks
Up to $10000 per item or set
Collections (e.g. stamps, coins)
Up to $10000 overall
Digital media
Up to $10000 overall
Spoiled food
  • Up to $500 overall
  • Cover for unit failure, motor burnout and failure of public electricity supply
Visitors' contents
  • Up to $5000 overall
  • Optional
Pet cover
  • Up to $500 overall
  • Cover for accidental injury, illness
  • Optional
Permanent fixtures
Up to sum insured overall
Overlapping cover at a new house
Up to 14 days cover at both addresses
Cover for contents while moving house
  • Up to contents sum insured overall
  • Cover for collision or overturning of removal vehicle and fire

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