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Description
Cover summary
- Nominate a sum insured for your building
- Optional 25% underinsurance safety net
- Up to $20 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents in Australia
Cost
Covered events
- Covers theft and attempted theft
- No cover for theft by residents; paying guests; tenants/their visitors or someone entering through part of home under construction, renovation or alteration
- Covers fire; bushfire; grassfire; and heat, ash, soot or smoke from fire within 100m of address
- Accidental damage option covers heat, ash, soot or smoke from fire over 100m from address
- 72 hour waiting period for bushfire and grassfire
- Optional
- No cover for damage to garden borders, driveways, paths, pavers, gardens, jetties, wharves, pontoons, retaining walls, swimming pool/spa liners or covers or tennis court surfaces/spas
- No cover for water in swimming pools/spas
- Fences and gates not covered unless in good condition
- 72 hour waiting period
- Covers storm; rainwater; escape of rainwater from water pipes, drains or gutters; and wind caused by storms/heavy rain
- Covers earth movement but must occur as a result of and within 72 hours of storm/heavy rain
- Covers surface run-off rainwater from surrounding areas but must occur within 24 hours of storm/heavy rain
- No cover for due to an opening not created by an insured event caused by dust, hail, rain, snow or wind
- No cover for damage to artificial grass/turf, courts designed for sports with fixed surfaces, garden borders, driveways, paths, pavers, gardens, jetties, wharves, pontoons, retaining walls, swimming pool/spa liners or covers or tennis court surfaces
- No cover for water in swimming pools/spas
- Fences and gates not covered unless in good condition
- 72 hour waiting period for storm (including cyclone)
- Covers impact damage caused by animals/birds not kept at address
- Accidental damage option covers impact damage caused by animals/birds kept at address
- No cover for damage caused by animals/birds biting, chewing, clawing or pecking
- No cover for damage caused by insects, lizards, rodents, termites or vermin
- Optional
- Covers accidental loss and damage to home and contents
- Covers impact damage caused by animals or birds kept at the address
- Covers scorch marks caused by a hot pan on your benchtop
- Covers ash, heat, smoke or soot when no fire damage has occurred
- Covers melting or scorching when there is heat but no flame
- Covers accidental breakage of glass and crystal items designed to be carried by hand
- Covers accidental breakage of glass in a TV, radio, tablet or visual display unit or that forms part of a radio, clock, vase, ornament or lamp
- No cover for aircraft, drones or model craft and their accessories
- No cover for audio or video tapes or clothing or accessories
- No cover for bicycles; e-bikes; scooters; e-scooters or sporting, recreational or leisure goods or equipment while being used
- No cover for cash, cheques or gift cards or other similar financial items
- No cover for CDs, DVDs, digital storage devices, records, computer software, game cartridges or game consoles
- No cover for items used in business, trade or profession
- No cover for mobile phones, smart phones or smart devices or their accessories
- No cover for swimming pools or spas or any associated equipment
- No cover for damage caused by computer viruses; malfunction to computer systems; loss or corruption of data; tenants living in the home; paying guests staying in the home; intentional or deliberate acts; construction, alteration or renovation work; power surge or fluctuation (unless caused by lightning strike); processes of professional cleaning, repairing, restoring or renovation; or cleaning involving chemicals other than domestic household chemicals
- No cover for other damage caused by animals, birds or their excrement
- No cover for burning or scorching caused by cigars, cigarettes or pipes
- No cover for chipping, denting or scratching caused by normal use
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)
- 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 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 12 months or 10% sum insured
- Paid on top of sum insured
- Covers accommodation for you and your pets
Contents
- Covers some items for accidental loss/damage
- Choose overall limit from $1000–$5000
- Up to $1000 per item
- Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
- $100 excess
- Optional
- Cover for accidental loss/damage
- Covered away from home in Australia, New Zealand, and for up to 90 days in rest of the world
- $100 excess
- Up to sum insured overall
- Up to $1000 for theft
- Up to sum insured
- Covers removing/storing contents in commercial storage facility
- Up to $5000 overall
- Up to $1000 per item or set
- Up to $12000 overall
- Up to $5000 per item or set
- Up to $500 overall
- Cover for insured events
- Optional cover for motor burnout
- Up to 20% contents sum insured overall
- Cover for overturning of removal vehicle, collision and fire
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