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Description
Cover summary
- Nominate a sum insured for your building
- 30% underinsurance safety net
- Up to $30 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 attempted burglary
- No cover for theft by the insured or their family; someone with the consent of the insured or their family or someone at site with consent of the insured, their family or or their agent
- Accidental damage option covers cash, coupons, vouchers, gift cards, money orders and negotiable financial documents for burglary when there is forcible entry into the home involving actual or threatened violence to a person or or that causes damage to the buildings
- After burglary with forced entry, up to $500 for additional security measures
- After burglary or attempted burglary, up to $1250 for security firm attendance
- Covers fire; bushfire; smoke, ash or soot; and charring, melting or scorching
- Accidental damage option covers charring, melting or scorching caused by heat from an item in ordinary use
- Up to $500 for emergency services attendance
- Covered
- Accidental damage option covers power surge and interruption to power supply
- Covers landslide and subsidence but must occur within 72 hours of flood
- No cover for damage to retaining walls; or swimming pool/spa covers, solar covers or plastic liners
- No cover for damage caused by hydrostatic pressure to swimming pools or spas
- Up to $8000 for contents in the open air
- Damage to gates and fences not covered if in poor/damaged condition or installed/constructed incorrectly, and you knew or reasonably should have known
- Damage to external paintwork or treated surfaces/finishes not covered if this is the only flood damage
- Covers storm, rain and hail
- Accidental damage option covers power surge and interruption to power supply
- Covers landslide and subsidence but must occur within 72 hours of storm, rain or hail
- No cover for damage to retaining walls; or swimming pool/spa covers, solar covers or plastic liners
- No cover for damage caused by hydrostatic pressure to swimming pools or spas
- Up to $8000 for contents in the open air
- Damage to gates and fences not covered if in poor/damaged condition or installed/constructed incorrectly, and you knew or reasonably should have known
- Damage to external paintwork or treated surfaces/finishes not covered if this is the only flood damage
- Covered
- Accidental damage option covers power surge and interruption to power supply
- Covers landslide and subsidence but must occur within 72 hours of storm surge
- No cover for damage to retaining walls; or swimming pool/spa covers, solar covers or plastic liners
- No cover for damage caused by hydrostatic pressure to swimming pools or spas
- Up to $8000 for contents in the open air
- Damage to gates and fences not covered if in poor/damaged condition or installed/constructed incorrectly, and you knew or reasonably should have known
- Damage to external paintwork or treated surfaces/finishes not covered if this is the only flood damage
- Covers damage caused by animals/birds accidentally trapped inside living area
- Covers damage caused by animals/birds colliding with property
- Covers fire and escape of liquid caused by insects, rodents or vermin
- No cover for damage caused by your pets or animals at property with permission
- No cover for damage to enclosed crawl space, outside of buildings, roof cavity or contents in the open air caused by chewing, clawing, eating, fouling, pecking, scratching, soiling or polluting in any way
- Optional
- Covers accidental loss and damage to home and contents
- Covers damage caused by power surge
- Covers charring, melting or scorching caused by heat generated from items in the ordinary course of their use and smoking items
- Covers accidental loss where you have taken reasonable steps to find or recover lost contents
- Covers accidental breakage of crockery, glassware and glass vases and ornaments
- Covers accidental breakage of glass components of items worn or carried by hand
- Covers accidental breakage of glass forming part of clocks, pictures, televisions, radios or computer monitors
- Covers contents in the open air
- Covers theft and burglary of cash, vouchers, coupons, gift cards, money orders and negotiable financial documents when there is forcible entry involving actual or threatened violence to a person, or that causes damage to the buildings
- Covers theft and burglary of unattended unattended jewellery in the open air or in an unlocked vehicle, caravan or trailer in the open air at your property
- Covers theft and burglary of watches, mobile phones and portable portable electronic items
- No cover for bicycles, drones, personal mobility devices, watercraft, power driven items or sporting equipment while being used
- No cover for items used by you or your family for earning any income, while being used
- No cover for model aircraft
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 $2000 overall
- Paid on top of sum insured
- Reasonable cost
- Building only
- Up to 24 months or 20% building sum insured
- Paid on top of sum insured
- Covers temporary, alternative accommodation for your family and pets; relocation costs; additional expenses; mail redirection; and utility connection fees
- Available after a claim for building damage
Contents
- Covers some items for theft and accidental loss/damage
- Nominate a limit per item group, $10000 for bicycles and personal mobility devices, collections, medical and health items, mobile phones, portable electronic devices, and recreational/hobby items and clothing
- Nominate a limit per item group, $15000 for jewellery and watches
- Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
- Contents excess applies
- Optional
- Cover for theft and accidental loss/damage
- Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
- Contents excess applies
- Up to sum insured overall
- No sublimits for above ground pools, barbecues or outdoor furniture
- No cover for animal damage
- Up to $8000 for burglary, flood, hail, rain, storm, storm surge and theft
- Up to 24 months or 20% contents sum insured
- Paid on top of sum insured
- Covers moving contents into storage and storage costs
- Up to $500 overall
- Cover for unit failure and failure of electricity supply
- Up to contents sum insured overall
- Cover for collision, flooding or overturning of removal vehicle; fire and theft with forcible entry
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