CBA Building and Contents Cover Plus home
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Description
Cover summary
- Nominate a sum insured for your building
- 25% underinsurance safety net
- Nominate a sum insured for your contents
- 25% underinsurance safety net
- Up to $20 million
- Cover for people named on the policy
- Cover for incidents in Australia
Cost
Covered events
- Covers theft and attempted theft
- No cover for theft if home is not sufficiently furnished for normal residential purposes
- No cover for theft by residents or someone at address with resident's consent
- Covers fire, bushfire and explosion
- Accidental damage option covers any process involving the application of heat where there is no flame
- 72 hour waiting period for bushfire
- Covered
- Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage or expansion, but must occur within 168 hours of flood
- Flood excess: greater of $500 or your basic excess
- No cover for damage caused by hydrostatic pressure, hydrodynamic pressure, water that has seeped or percolated into your building, gradual deterioration or wear and tear
- No cover for cracking of paths, driveways or outdoor surfaces
- No cover for damage to external paintwork, if that is the only damage to that part of the building
- Covers external shade cloths and sails up to 5 years old
- No cover for plants, trees, lawns or artificial grass
- No cover for swimming pool or spa covers, or vinyl swimming pool liners
- No cover for retaining or freestanding outdoor walls
- No cover for fences and gates that are not structurally sound or well-maintained
- No cover for loose or compacted surfaces of paths and driveways
- No cover for sporting surfaces or courts
- 72 hour waiting period
- Covered
- Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage or expansion, but must occur within 168 hours of storm
- No cover for damage caused by hydrostatic pressure, hydrodynamic pressure, water that has seeped or percolated into your building, gradual deterioration or wear and tear
- No cover for cracking of paths, driveways or outdoor surfaces
- No cover for damage to external paintwork, if that is the only damage to that part of the building
- Covers external shade cloths and sails up to 5 years old
- No cover for plants, trees, lawns or artificial grass
- No cover for swimming pool or spa covers, or vinyl swimming pool liners
- No cover for retaining or freestanding outdoor walls
- No cover for fences and gates that are not structurally sound or well-maintained
- No cover for loose or compacted surfaces of paths and driveways
- No cover for sporting surfaces or courts
- 72 hour waiting period
- Covers impact damage caused by any animals not kept at address
- No cover for damage caused by any animal scratching, chewing, tearing or soiling
- Optional
- Covers accidental loss and damage to home and contents
- No cover for accidental breakage of glass forming part of a stove top, cooking surface, heater or oven door or in a glasshouse or greenhouse or in the roof of a conservatory, sunroom, or similar
- No cover for bicycles, sporting or fishing equipment, musical instruments or remote controlled aircraft or drones while in use
- No cover for driveways, paths or tennis courts and other ground surfaces
- No cover for trees, plants, shrubs, jewellery, watches, food, medications, cash, gift vouchers, negotiable instruments or mobile phones
- No cover for damage caused by normal use resulting in scratching, chipping or denting; domestic pets, animals or livestock at the address with permission of a resident; tree felling or lopping; subsidence; landslide; mudslide; or collapse
- No cover for swimming pools caused by or contributed to by you lowering the level of water
- No cover for damage that occurs gradually
Claims
- Repair damaged property
- Replace damaged property
- Pay you the property's replacement value, up to your sum insured or other sublimits
- Customer cost
- Insurer may offer non-cash alternatives
Building
- Motors up to 10 years
- Optional
- Up to $1500 overall
- Cover for fire, malicious damage, theft and vehicle damage
- Reasonable cost
- Paid on top of sum insured
- Up to 15% sum insured overall
- Paid on top of sum insured
- Up to 12 months or 20% building sum insured
- Paid on top of sum insured
- Covers accommodation for you and any family member living at your home
- Up to $3000 for temporary accommodation for dogs and/or cats
- Available after a claim for building damage
Contents
- Covers some items for accidental loss or damage
- Choose overall limit from $2500–$7500
- Up to $1000 per item
- Covered anywhere in Australia and New Zealand
- $100 excess
- Optional
- Cover for insured events and accidental loss/damage
- Covered anywhere in Australia and New Zealand
- $100 excess
- Reasonable cost
- Paid on top of sum insured
- Covers cost to move and store contents
- Up to $1000 overall
- Cover for motor burnout
- Up to 20% contents sum insured overall
- Cover for collision or overturning of vehicle carrying contents and fire
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