Home and contents insurances

Sure Contents Only (renters)

Sure Contents Only (renters)

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Description

Insurer
Sure
Policy
Contents Only (renters)
Owner type
Renters
Provider
  • Liberty Mutual Insurance Company, Australia Branch
  • Pacific International Insurance Pty Ltd
  • The New India Assurance Co. Ltd
  • Chubb Insurance Australia Limited
About the insurer
Sure

Cover summary

Contents cover
Nominate a sum insured for your contents
Legal liability
  • Up to $20 million
  • Cover for anyone living at the insured address
  • Cover for incidents in Australia
Renters liability
No cover damage caused by no

Cost

Same price to pay monthly
1
ACT price comparison
N/A
NSW price comparison
N/A
NT price comparison
N/A
North Queensland price comparison
$$$
South Queensland price comparison
N/A
SA price comparison
N/A
Tasmania price comparison
N/A
Victoria price comparison
N/A
WA price comparison
N/A

Covered events

Theft
  • Covers theft, attempted theft, burglary and attempted burglary
  • No cover for theft without violence/force where entry gained from common area of multiple occupancy residence
  • Covers theft by tenants/their guests ($2000 excess)
  • No cover for theft by residents or someone at the home with resident's consent
  • Up to $1000 for stolen credit/ATM card fraud
Fire
  • Covers fire and bushfire
  • Covers fire retardant clean-up and costs incurred extinguishing fire
  • 72 hour waiting period for bushfire
Flood
u0026#149; Covers flood and water runoffu003cbru003eu0026#149; No cover for damage caused by underground (hydrostatic) water pressure or deliberate/malicious damage to or destruction of reservoir/damu003cbru003eu0026#149; 72 hour waiting period
Storm and cyclone
u0026#149; Covers storm, cyclone and water runoffu003cbru003eu0026#149; Covers landslide and subsidence but must occur within 72 hours and as a direct result of stormu003cbru003eu0026#149; No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage, earth movement or underground (hydrostatic) water pressureu003cbru003eu0026#149; 72 hour waiting period
Storm surge
u0026#149; Coveredu003cbru003eu0026#149; No cover for damage caused by underground (hydrostatic) water pressureu003cbru003eu0026#149; 72 hour waiting period
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
u0026#149; Covers damage caused by falling trees or branchesu003cbru003eu0026#149; Covers damage caused by motor vehicles, trailers, caravans or watercraftu003cbru003eu0026#149; Covers damage caused by power polesu003cbru003eu0026#149; Covers damage caused by satellite dishes; or television or radio aerialsu003cbru003eu0026#149; Covers damage caused by debris falling from the air, space, an aircraft, rocket, satellite or droneu003cbru003eu0026#149; No cover for damage caused by roots of trees, plants, hedges or shrubsu003cbru003eu0026#149; No cover for damage caused by lopping or felling treesu003cbru003eu0026#149; No cover for damage to driveways, garage floors, carport floors, paths, paving or underground services caused by motor vehicles, cranes or earthmoving equipmentu003cbru003eu0026#149; No cover for damage to contents caused by ceiling collapse that you should have expected, but took inadequate steps to prevent or avoid
Animal damage
u0026#149; Covers damage caused by animals not kept at propertyu003cbru003eu0026#149; Covers damage caused by animals that become accidentally trapped inside home biting, chewing, pecking, scratching, tearing or urinating/excretingu003cbru003eu0026#149; Covers fire and escape of liquid caused by bedbugs, birds, cockroaches, fleas, insects, lice, mice, rabbits, rats, termites or verminu003cbru003eu0026#149; No cover for damage caused by pets at property with resident consent or pets owned/kept/cared for by resident
Escape of liquid
Breakage
Accidental damage
u0026#149; Optionalu003cbru003eu0026#149; Covers accidental loss and damage to your contentsu003cbru003eu0026#149; Covers damage caused by power surgeu003cbru003eu0026#149; No cover for cracking, chipping or breakage of handheld glass, glassware or items made of china while being usedu003cbru003eu0026#149; No cover for e-bikes, e-scooters, motorbikes, trail bikes, mini-bikes, quad bikes, all-terrain vehicles, trikes or motorised go-karts, golf kats or scootersu003cbru003eu0026#149; No cover for mechanical, electrical or electronic breakdown of items except for motor burnout or power surgeu003cbru003eu0026#149; No cover for minor dents, scratches or chips of floors or furnitureu003cbru003eu0026#149; No cover for swimming pools or outdoor spas or related equipment, including covers and linersu003cbru003eu0026#149; No cover for burning, melting or scorching caused by cigarettes; cigars; pipes; tobacco; ash; or any substances designed to be burned, heated or ignitedu003cbru003eu0026#149; No cover for damage if your home has been rented to another person; while your home is being renovated; or after the first 90 days of the home being unoccupied, unless insurer agrees

Claims

Out-of-hours claiming
Online
How the insurer can settle your claim
  • Repair damaged items
  • Replace damaged items
  • Pay you the item's replacement value, up to your sum insured or other sublimits
Cash settlement
Customer cost
New for old contents replacement
1

Contents

Cover for unlisted portable contents
  • Covers general contents for accidental loss/damage
  • Choose overall limit from up to $10000 or 25% contents sum insured
  • Choose limit from $1000–$1500 per item
  • Covered away from home in Australia and New Zealand
  • Contents excess applies
  • Optional
Optional cover for specially listed valuables
  • Cover for accidental loss/damage
  • Covered away from home in Australia and New Zealand
  • Contents excess applies
Contents in the open air
Up to $3000 overall
Temporary accommodation
  • Up to 18 months or 10% sum insured
  • Paid on top of sum insured
  • Covers temporary accommodation similar to your home for people living at the address, assistance with rental bond (must be repaid to insurer), utility connection costs, removal costs and lease break fees
  • Up to $500 per week, if you stay with family or friends instead
  • Up to $2000 for commercial pet boarding
Debris removal
  • Up to 10% sum insured overall
  • Paid on top of sum insured
Emergency storage
  • Up to 18 months or 10% sum insured
  • Covers moving/storing contents
Keys and locks after break-in
Up to $1000 overall
Motor burnout
Motors up to 15 years
Jewellery
  • Up to $10000 overall
  • Up to $5000 per set or piece
Artworks
  • Up to $50000 overall
  • Up to $10000 per item or set
Collections (e.g. stamps, coins)
Up to $10000 overall
Digital media
Up to $5000 overall
Spoiled food
  • Up to $750 overall
  • Cover for insured events, unit failure, motor burnout and failure of public electricity supply
Visitors' contents
Up to $1000 overall
Pet cover
Permanent fixtures
Overlapping cover at a new house
Up to 14 days cover at both addresses
Cover for contents while moving house
  • Up to contents sum insured overall
  • Cover for overturning of removal vehicle, collision and fire

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