RACQ Household (strata owners)
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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 from common areas
- Covers theft by someone who enters home without insured's consent
- No cover for theft by residents, someone who enters home with resident's consent or someone who enters home with consent of person you told could invite people to home
- Up to $1500 for stolen credit/ATM card fraud (per card)
- Up to $750 for security firm response
- Covers fire, bushfire, grassfire and smoke/heat from fire within 100m of home
- 72 hour waiting period for bushfire
Claims
- Repair damaged items
- Replace damaged items
- Pay you the item's replacement value, up to your sum insured or other sublimits
Contents
- Covers some items for insured events and accidental loss/damage
- Choose overall limit from $2000–$8000
- Choose limit from $500–$2000 per item
- Covered anywhere in Australia and New Zealand
- $300 excess
- Optional
- Cover for insured events and accidental loss/damage
- Covered anywhere in Australia and New Zealand
- $300 excess
- Up to 5% sum insured overall
- Cover for theft
- Optional cover for accidental damage
- No cover for impact
- Up to 12 months or 10% sum insured
- Paid on top of sum insured
- Up to 14 days for short term accommodation
- Up to 20% sum insured overall
- Paid on top of sum insured
- Up to 10% sum insured
- Covers moving/storing contents
- Motors up to 10 years
- Optional
- Up to $6000 overall
- Up to $2000 per item
- Up to $12000 overall
- Up to $2000 per item
- Up to $1000 overall
- Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
- Up to $750 overall
- Cover for accidental injury, disease, illness, ongoing treatments
- Optional
- Up to sum insured overall
- Covers fixtures/fittings not required by law to be insured by body corporate
- Covered fixtures include light fittings; built-in appliances/wardrobes/cupboards; fixed awnings/shutters; hot water systems; solar panels; shower screens; fixed glass; skylights; sinks, basins, shower bases, baths, toilets made from porcelain, marble, granite, fibreglass or polymarble and glass/ceramics in cook tops
- Up to contents sum insured overall
- Cover for fire, flood, road accident and water runoff
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