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Description
Cover summary
- Nominate a sum insured for your building
- Optional 30% underinsurance safety net
- Up to $20 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 residents, people employed at the home, people invited into the home or people acting with the insured's consent
- Up to $500 for security firm callout
- Covers fire, bushfire, grassfire, smoke, ash and soot
- Accidental damage option covers melting and scorching
- 72 hour waiting period for bushfire and grassfire
- Covers flood, run-off and flood water combined with run-off or rainwater
- Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
- No cover for damage caused by shrinkage or expansion of earth
- No cover for retaining walls, pontoons, jetties or bridges
- No cover for trees, shrubs and plants planted in the ground
- No cover for swimming pool and spa covers, liners or solar domes
- No cover for cleaning mud from or replacing water in tanks, swimming pools or spas
- Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
- 72 hour waiting period
- Covers storm, cyclone, rainwater and run-off
- Accidental damage option covers rainwater, hail, wind or water that enters your building through an open door, window or other opening (except openings made by the storm)
- Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
- No cover for damage caused by hydrostatic pressure; or rainwater, hail, wind or water that enters your building due to gradual deterioration, wear and tear, and where you could be reasonably expected to have been aware of the deterioration or wear and tear
- No cover for coatings and paintwork for rainwater damage
- No cover for spas, tanks, trees, walls, covers, liners, plants, shrubs, solar domes and swimming pools
- Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
- 72 hour waiting period for cyclone
- Covers impact damage caused by animals
- Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
- No cover for damage caused by birds, insects or pets kept at the address
- Optional
- Covers accidental loss and damage to home and contents
- Covers water damage caused by a sink, bath or basin overflowing due to a tap being left running with the plug left in the drain
- Covers storm caused by rainwater, hail, wind or water that enters your building through an open door, window or other opening (except openings made by the storm)
- Covers scorching and melting
- Covers accidental breakage of ceramic tiles, glass in crockery, porcelain, china, hand mirrors, glassware and crystal or glass in clocks, vases and ornaments
- Covers accidental breakage of glass in computer monitors, laptops, mobile phones, smart watches and tablets where there is no other damage caused to the item
- Covers jewellery, watches, laptops, portable electronic items, mobile phones and gold and silver items outside or in the open air
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)
- Insurer may offer non-cash alternatives
Building
- Motors up to 10 years
- Optional
- Up to $5000 overall
- No cover for flood, storm or tsunami
- Up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with debris removal and professional fees
- Up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with building regulations and debris removal
- Up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with building regulations and professional fees
- Up to 10% sum insured
- Paid on top of sum insured
- Covers rental accommodation for you and your pets, utility connection costs, mail redirection, and rental bond
Contents
- Covers some items for accidental loss or damage
- Up to $5000 overall
- Up to $1000 per item
- Covered anywhere in Australia, and for up to 90 days in rest of the world
- $100 excess
- Optional
- Cover for accidental loss or damage
- Covered anywhere in Australia, and for up to 120 days in rest of the world
- $100 excess
- Up to remaining sum insured after claim settlement
- Covers moving and storing undamaged contents
- Up to $1000 overall
- Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
- No cover for industrial action, a deliberate act of a power supply authority, breakdown or failure of any motor more than 10 years old or accidental or deliberate disconnection or switching off the electricity supply by you
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