No cover for theft from common property or common or public area or unenclosed individual car park or car space at a multi-residency address
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
Fire
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
Flood
u0026#149; Coveredu003cbru003eu0026#149; Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage or expansion, but must occur within 168 hours of floodu003cbru003eu0026#149; Flood excess: greater of $500 or your basic excessu003cbru003eu0026#149; No cover for damage caused by hydrostatic pressure, hydrodynamic pressure, water that has seeped or percolated into your building, gradual deterioration or wear and tearu003cbru003eu0026#149; 72 hour waiting period
Storm and cyclone
u0026#149; Coveredu003cbru003eu0026#149; Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage or expansion, but must occur within 168 hours of stormu003cbru003eu0026#149; No cover for damage caused by hydrostatic pressure, hydrodynamic pressure, water that has seeped or percolated into your building, gradual deterioration or wear and tearu003cbru003eu0026#149; 72 hour waiting period
Storm surge
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
u0026#149; Covers damage caused by falling trees or tree branchesu003cbru003eu0026#149; Covers damage caused by vehicles, trailers or watercraftu003cbru003eu0026#149; Covers damage caused by power or communication polesu003cbru003eu0026#149; Covers damage caused by satellite dishes, television or radio aerials breaking or collapsingu003cbru003eu0026#149; Covers damage caused by animalsu003cbru003eu0026#149; Covers damage caused by aircraft or debris falling from spaceu003cbru003eu0026#149; No cover for damage caused by tree felling or lopping at the addressu003cbru003eu0026#149; No cover for damage to driveways, paths, paving or underground services caused by vehicles, cranes or earthmoving equipmentu003cbru003eu0026#149; No cover for damage caused by animals kept at the address or domestic animalsu003cbru003eu0026#149; Does not cover removing or lopping trees which have fallen but not damaged the homeu003cbru003eu0026#149; Does not cover removing stumps
Animal damage
u0026#149; Covers impact damage caused by any animals not kept at addressu003cbru003eu0026#149; No cover for damage caused by any animal scratching, chewing, tearing or soiling
Escape of liquid
Breakage
Accidental damage
u0026#149; Optionalu003cbru003eu0026#149; Covers accidental loss and damage to your contentsu003cbru003eu0026#149; 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 similaru003cbru003eu0026#149; No cover for bicycles, sporting or fishing equipment, musical instruments or remote controlled aircraft or drones while in useu003cbru003eu0026#149; No cover for plants, jewellery, watches, food, medications, cash, gift vouchers, negotiable instruments or mobile phonesu003cbru003eu0026#149; 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 collapseu003cbru003eu0026#149; No cover for swimming pools caused by or contributed to by you lowering the level of wateru003cbru003eu0026#149; No cover for damage that occurs gradually
Claims
Out-of-hours claiming
Online and 24/7 phone
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
Insurer may offer non-cash alternatives
New for old contents replacement
Yes (excludes computers more than four years old and out of use clothing, shoes or household linen or items)
Contents
Cover for unlisted portable 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
Optional cover for specially listed valuables
Cover for insured events and accidental loss/damage
Covered anywhere in Australia and New Zealand
$100 excess
Contents in the open air
Up to 10% sum insured overall
Temporary accommodation
Debris removal
Up to 15% sum insured overall
Paid on top of sum insured
Emergency storage
Keys and locks after break-in
1
Motor burnout
Motors up to 10 years
Optional
Jewellery
Up to 25% sum insured overall
Artworks
Up to sum insured overall
Collections (e.g. stamps, coins)
Up to sum insured overall
Digital media
1
Spoiled food
Up to $1000 overall
Cover for motor burnout
Visitors' contents
Up to $2000 overall
Pet cover
Permanent fixtures
Overlapping cover at a new house
Up to 14 days cover at both addresses
Cover for contents while moving house
Up to 20% contents sum insured overall
Cover for collision or overturning of vehicle carrying contents and fire
