Guild Home Essential
CHOICE Expert Rating
Good Points
The product's best features and benefits
Bad Points
Drawbacks or issues you need to know about
Unlock our expert review and more
Reviews you can trust
Easy side-by-side comparison
Recommended products at a glance
Recommended products
Results for paid members only
Scores
Results for paid members only
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 $2500 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 impact damage caused by animals not kept at the address
- No cover for damage caused by birds, insects or vermin
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 $2500 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 $15000 overall
- Up to $2500 per item, pair and set
- Covered anywhere in Australia, and for up to 30 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 30 days in rest of the world
- Contents excess applies
- Up to 20% sum insured overall
- Up to $500 for cash and negotiable instruments
- Up to $2500 for building materials awaiting installation
- Up to $2500 for theft
- Up to 12 months or $5000
- Covers moving/storing undamaged contents in commercial storage facility
- Up to $10000 overall
- Up to $1500 per item, set or pair
- Optional
- 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
Looking for user reviews?
We don't offer user reviews anymore. Help us improve this expert review by sharing your feedback in a quick survey.