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Description
Cover summary
- Nominate a sum insured for your building
- 10% underinsurance safety net
- Nominate a sum insured for your contents
- 10% underinsurance safety net
- Up to $20 million
- Cover for people named on the policy
- Cover for incidents in Australia and New Zealand
Cost
Covered events
- Covers theft, attempted theft and burglary
- No cover for theft from homes being renovated/rebuilt involving interference with roof/external wall
- No cover for theft by guests, residents or someone entering home with consent of resident/guest
- Up to $1000 for stolen credit/ATM card fraud
- Covers fire; bushfire; and smoke, scorching or heat
- 48 hour waiting period for bushfire
- Covers flood, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement
- No cover for damage caused by underground (hydrostatic) water, deliberate/malicious damage or destruction of a reservoir or dam
- No cover for damage to wharves, jetties, pontoons, sea walls, swimming pools, spas, pool/spa covers or liners, glasshouses, greenhouses or unsealed paths/driveways
- Up to 10% building sum insured for gates, paths, paving, fences, driveways, garden borders and freestanding and retaining walls
- No cover for water in tanks, swimming pools or spas
- Paths, driveways, garden borders, paving, freestanding or retaining walls, gates or fences not covered if not structurally sound and reasonably maintained
- Damage to paint not covered when flood does not cause structural damage to other parts of home
- 72 hour waiting period
- Covers storm, rainwater runoff, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement
- No cover for damage caused by rain, hail or wind entering home through open windows, doors or skylights; or underground (hydrostatic) water
- No cover for damage to tennis courts, wharves, jetties, pontoons, swimming pools, spas, pool/spa covers or liners, glasshouses, greenhouses or unsealed paths/driveways
- Up to 10% building sum insured for gates, paths, paving, fences, driveways, garden borders and freestanding and retaining walls
- Gates and fences not covered for wind damage if not structurally sound and reasonably maintained
- Paths, driveways, garden borders, paving, freestanding or retaining walls not covered if not structurally sound and reasonably maintained
- 48 hour waiting period
- Covers damage caused by animals
- Covers fire caused by birds, insects, mice, rabbits, rats, reptiles, spiders, termites or vermin
- No cover for damage caused by pets at the home with permission or pets owned/kept/cared for by residents or guests
- Optional
- Cover only available for contents
- Choose overall limit from $2000–$5000
- $250 excess
- No cover for cash
- No cover for contents that have been misplaced, mislaid or missing where you are unable to identify where the loss occurred
- No cover for tools of trade or sporting equipment while in use
- Up to 60 days cover for accidental damage and theft of contents anywhere in Australia and New Zealand
- No cover for damage caused intentionally
- No cover for accidental damage or theft caused by theft or attempted theft by a person, boarder or tenant who, without violent or forcible entry, enters your home with your consent
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
- Reasonable cost
- Building only
- Up to 12 months or 10% sum insured
- Paid on top of sum insured
- Covers temporary accommodation for people living at the address
Contents
- Covers general contents for theft and accidental loss/damage
- Choose overall limit from $2000–$5000
- Covered anywhere for up to 60 days in Australia and New Zealand
- $250 excess
- Optional
- Cover for theft and accidental loss/damage
- Covered away from home worldwide
- $0 excess
- Up to $10000 overall
- Up to $5000 per set or piece
- Up to $500 overall
- Cover for unit failure, motor burnout and failure of public electricity supply
- Up to $5000 overall
- Optional
- Up to $500 overall
- Cover for accidental injury, illness
- Optional
- Up to contents sum insured overall
- Cover for collision or overturning of removal vehicle and fire
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