People First Bank Home Buildings and Contents Standard
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Description
Cover summary
- 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 or someone at the site with consent of residents
- Covers fire and bushfire
- Three day waiting period for bushfire and grassfire
- Covers flood and rainwater run-off
- Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
- No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
- Covers swimming pool/spa covers up to 5 years old
- Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
- 14 day waiting period for flood
- Three day waiting period for rainwater run-off
- Covered
- Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
- No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
- Covers swimming pool/spa covers up to 5 years old
- Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
- 3 day waiting period
- Covered
- Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
- No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
- Covers swimming pool/spa covers up to 5 years old
- Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
- 3 day waiting period
- Covers damage caused by animals not kept at the site
- No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
- No cover for damage caused by birds biting, pecking or scratching
- Optional
- Covers accidental loss and damage to home and contents
- No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
- No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
- No cover for retaining walls
- No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
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 15 years
- Optional
- Reasonable cost
- Paid on top of sum insured
- Up to 10% 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 temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
- Available after a claim for building damage
Contents
- Covers some items for theft and accidental loss/damage
- Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
- Up to $10000 per item
- Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
- $250 excess
- Optional
- Cover for theft and accidental loss/damage
- Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
- $250 excess
- Up to 12 months
- Covers storage of contents
- Up to $500 overall
- Cover for interruption to electricity supply caused by insured event
- Optional cover for motor burnout
- Up to contents sum insured overall
- Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
- Up to $10000 for accidental damage
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