AHM Comprehensive home
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Description
Cover summary
- Up to $20 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents in Australia
Cost
Covered events
- Covers theft and attempted theft
- No cover for theft from unoccupied homes
- No cover for theft by residents or someone at the site with consent of residents
- Up to $5000 for stolen credit card fraud
- Covers fire, bushfire and application of heat where there is no flame
- Up to $750 for fire brigade charges
- 72 hour waiting period for bushfire
- Covered
- Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of flood
- Flood excess: greater of $500 or your basic excess
- No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
- No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
- Fences and gates not covered unless structurally sound/well maintained
- 72 hour waiting period
- Covers storm, cyclone, tornado, lightning, hail and snow
- Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of storm
- No cover for damage caused by water seeping/percolating into building
- No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
- No cover for cracking to any outdoor surfaces or gradual deterioration due to rainwater
- Covers professionally installed external shade cloths/sails up to 5 years old
- No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
- Fences and gates not covered unless structurally sound/well maintained
- Damage to external paintwork not covered if this is the only damage to that part of the home
- 72 hour waiting period
- Covered by default
- Covers accidental loss and damage to home and contents
- No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
- No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
- No cover for chipping, denting or scratching caused by normal use
Claims
- Repair damaged property
- Replace damaged property
- Pay you the property's replacement value, up to your sum insured or other sublimits
- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
Building
- Up to $1500 overall
- Cover for fire, malicious damage, theft and vehicle damage
- Up to 10% sum insured overall
- Paid on top of sum insured
- Up to 12 months or 10% building sum insured
- Paid on top of sum insured
- Covers temporary accommodation for your family
Contents
- Cover for insured events (including accidental loss/damage)
- No cover for disappearance when cause cannot be established
- Covered anywhere in Australia
- $100 excess
- Up to $8000 overall
- Up to $2000 per item
- No item sublimit for barbecues or garden furniture
- Up to 12 months or 15% contents sum insured
- Covers moving/storing contents
- Up to $1000 per item
- Up to $5000 per collection
- Up to $1000 per item
- Up to $5000 per collection
- Up to $1000 per item
- Up to $5000 per collection
- Up to $1000 per item
- Up to $5000 per collection
- Up to $1000 overall
- Cover for failure of public electricity supply
- Up to contents sum insured overall
- Cover for overturning of removal vehicle, collision and fire
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