Real Insurance Top (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
- No cover for theft from homes not sufficiently furnished for normal living purposes or common property/unenclosed car space at multi-residency site
- No cover for theft by residents or someone at the site with consent of residents
- Covers fire, bushfire and application of heat where there is no flame
- 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
- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
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 $8000 overall
- Up to $2000 per item
- No item sublimit for barbecues or garden furniture
- Up to 10% sum insured
- Paid on top of sum insured
- Covers temporary accommodation for your family
- Up to $15000 overall
- Paid on top of sum insured
- Motors up to 10 years or $2000 overall
- Optional
- Up to $5000 overall
- Up to $1000 per item or collection
- Up to $5000 overall
- Up to $1000 per item or collection
- Limit combined with collections
- Up to $5000 overall
- Up to $1000 per item or collection
- Limit combined with artworks
- Up to $5000 overall
- Up to $1000 per item
- Up to $1000 overall
- Cover for failure of public electricity supply
- Optional cover for motor burnout
- Up to sum insured overall
- Covers fixtures not insurable by body corporate
- Up to 20% contents sum insured overall
- Cover for overturning of removal vehicle, collision and fire
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