Guild Home Elite
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Description
Cover summary
- Nominate a sum insured for your building
- 20% 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 housebreaking
- No cover for theft by someone who lives with you
- Up to $5000 for security firm attendance
- Covers fire, explosion and lightning
- 48 hour waiting period for bushfire and grassfire
- Covered
- No cover for damage to retaining walls; paths; driveways; tennis court surfaces; paved/concrete outdoor surfaces; inground trees, plants and shrubs; or landscaping features such as fountains, ponds, water features or rockwork
- Covers storm, hail and rainwater
- Covers erosion, landslide and subsidence, but must occur as a result of and within 72 hours of storm, hail or rainwater
- No cover for damage to retaining walls; paths; driveways; tennis court surfaces; paved/concrete outdoor surfaces; inground trees, plants and shrubs; or landscaping features such as fountains, ponds, water features or rockwork
- External paintwork not covered if this is the only damage sustained to that part of the home
- 48 hour waiting period for named cyclone
- Covers damage caused by animals not kept at the address
- No cover for damage caused by birds, insects, moths, termites or vermin chewing, clawing, eating or pecking
- Covered by default
- Covers accidental loss and damage to home and contents
- Up to $2500 for each item temporarily removed from address
- Up to 20% contents sum insured for contents temporarily removed from address
- Up to 90 days cover for contents temporarily removed from address
Claims
- Repair damaged property
- Replace damaged property
- Pay you the property's replacement value, up to your sum insured or other sublimits
Building
- Up to $5000 overall
- Up to $250 per plant, shrub or tree
- No cover for escape of liquid, flood, hail, rainwater or storm
- Up to 15% sum insured overall
- Paid on top of sum insured
- Limit combined with debris removal and professional fees
- Up to 15% sum insured overall
- Paid on top of sum insured
- Limit combined with building regulations and debris removal
- Up to $5000 overall
- Paid on top of sum insured
- Building claims: up to 15% sum insured overall
- Contents claims: up to $5000 overall
- Paid on top of sum insured
- Limit combined with building regulations and professional fees
- Up to 12 months or 20% sum insured
- Paid on top of sum insured
- Covers additional costs for similar temporary accommodation and commercial pet boarding
- Up to 7 days or $2000 for emergency accommodation and pet boarding
Contents
- Covers some items for accidental loss/damage
- Optional cover for flood
- Up to $10000 overall
- Up to $1500 per item, pair and set
- Covered anywhere in Australia, and for up to 90 days in rest of the world
- Contents excess applies
- Optional
- Cover for accidental loss/damage
- Optional cover for flood
- Covered anywhere in Australia, and for up to 90 days in rest of the world
- Contents excess applies
- Up to 20% sum insured overall
- Up to $200 for cash and negotiable instruments
- Up to $5000 for building materials awaiting installation
- Up to $5000 for theft
- Up to 12 months or $5000
- Covers moving/storing undamaged contents in commercial storage facility
- Up to $15000 overall
- Up to $2500 per item, set or pair
- Up to 20% sum insured overall
- Up to $10000 per item
- Up to $15000 overall
- Up to $2500 per item
- Up to $1500 overall
- Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
- Up to $1000 overall
- Cover for vehicle impact
- Up to contents sum insured overall
- Cover for overturning of removal vehicle, accident involving removal vehicle, fire and theft involving forcible entry to removal vehicle
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