QBE Contents (strata owners)
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Description
Cover summary
- Up to $30 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents worldwide
Cost
Covered events
- Covers theft, attempted theft, burglary and attempted burglary
- No cover for theft by the insured or their family; someone with the consent of the insured or their family or someone at site with consent of the insured, their family or or their agent
- Accidental damage option covers cash, coupons, vouchers, gift cards, money orders and negotiable financial documents for burglary when there is forcible entry into the home involving actual or threatened violence to a person or or that causes damage to the buildings
- After burglary with forced entry, up to $500 for additional security measures
- After burglary or attempted burglary, up to $1250 for security firm attendance
- Covers fire; bushfire; smoke, ash or soot; and charring, melting or scorching
- Accidental damage option covers charring, melting or scorching caused by heat from an item in ordinary use
- 72 hour waiting period for bushfire
Claims
- Repair damaged items
- Replace damaged items
- Pay you the item's replacement value, up to your sum insured or other sublimits
Contents
- Covers some items for theft and accidental loss/damage
- Nominate a limit per item group, up to $15000 for bicycles and personal mobility devices, collections, jewellery and watches, medical and health items, mobile phones, portable electronic devices, and recreational/hobby items and clothing
- Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
- Contents excess applies
- Optional
- Cover for theft and accidental loss/damage
- Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
- Contents excess applies
- Up to sum insured overall
- No sublimits for above ground pools, barbecues or outdoor furniture
- No cover for animal damage
- Up to $8000 for burglary, flood, hail, rain, storm, storm surge and theft
- Up to 24 months, 20% sum insured or $25000
- Paid on top of sum insured
- Covers temporary, alternative accommodation for your family and pets; relocation/storage costs; additional expenses; mail redirection; and utility connection fees
- Limit combined with emergency storage
- Up to 20% sum insured or $25000
- Limit combined with accommodation
- Covers moving contents into storage and storage costs
- Up to $500 overall
- Cover for unit failure and failure of electricity supply
- Up to sum insured overall
- Up to contents sum insured for extraordinary payments/special levies, when building is damaged by covered event and body corporate is underinsured
- Up to $50000 for extraordinary payments/special levies, when building is damaged by covered event and body corporate is underinsured
- Covers fixtures which body corporate is not required by law or its constitution to insure
- Covered fixtures include carpets, linoleum, floating floors, other fixed floor coverings, room heaters, ceiling fans, lighting fixtures, kitchen cupboards, built-in furniture, blinds, exterior awnings, mobility handles/rails and hot water systems that exclusively service your lot
- Up to contents sum insured overall
- Cover for collision, flooding or overturning of removal vehicle; fire and theft with forcible entry
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