Real Insurance Essential home
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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
- No cover for theft from homes not sufficiently furnished for normal living purposes
- No cover for theft by residents or someone at the site with consent of residents
- Covers fire and bushfire
- 72 hour waiting period for bushfire
- Covered
- Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of flood
- Flood excess: greater of $500 or your basic excess
- No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
- Covers professionally installed external shade cloths/sails up to 5 years old
- No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
- Fences and gates not covered unless structurally sound/well maintained
- Damage to external paintwork not covered if this is the only damage to that part of the home
- 72 hour waiting period
- Covers storm, cyclone, tornado, lightning, hail and snow
- Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of storm
- No cover for damage caused by water seeping/percolating into building
- No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
- No cover for cracking to any outdoor surfaces or gradual deterioration due to rainwater
- Covers professionally installed external shade cloths/sails up to 5 years old
- No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
- Fences and gates not covered unless structurally sound/well maintained
- Damage to external paintwork not covered if this is the only damage to that part of the home
- 72 hour waiting period
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)
Building
- Motors up to 10 years or $1000 overall
- Optional
- Up to $750 overall
- Cover for fire, malicious damage, theft and vehicle damage
- Up to $10000 overall
- Paid on top of sum insured
- Limit combined with debris removal and professional fees
- Up to $10000 overall
- Paid on top of sum insured
- Limit combined with building regulations and debris removal
- Up to $1000 overall
- Paid on top of sum insured
- Up to $10000 overall
- Paid on top of sum insured
- Limit combined with building regulations and professional fees
- Up to 12 months or 10% building sum insured
- Paid on top of sum insured
- Covers temporary accommodation for your family
- Up to $500 for temporary accommodation for cats/dogs
Contents
- Covers some items for accidental loss/damage
- No cover for disappearance when cause cannot be established
- Choose overall limit from $2500–$5000
- Up to $1000 per item
- Covered anywhere in Australia
- $100 excess
- Optional
- Cover for accidental loss/damage
- No cover for disappearance when cause cannot be established
- Covered anywhere in Australia
- $100 excess
- Up to $4000 overall
- Up to $1000 per item
- No item sublimit for barbecues or garden furniture
- Reasonable cost
- Paid on top of sum insured
- Covers moving/storing contents
- Up to $2500 overall
- Up to $1000 per item or collection
- Up to $2500 overall
- Up to $1000 per item or collection
- Limit combined with collections
- Up to $2500 overall
- Up to $1000 per item or collection
- Limit combined with artworks
- Up to $2500 overall
- Up to $1000 per item
- Up to $500 overall
- Cover for failure of public electricity supply
- Optional cover for motor burnout
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