Sure Home & Contents
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Description
- Liberty Mutual Insurance Company, Australia Branch
- Pacific International Insurance Pty Ltd
- The New India Assurance Co. Ltd
- Chubb Insurance Australia Limited
Cover summary
- Up to $20 million
- Cover for anyone living at the insured address
- Cover for incidents in Australia
Cost
Covered events
- Covers theft, attempted theft, burglary and attempted burglary
- 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
- Covers fire and bushfire
- Covers fire retardant clean-up and costs incurred extinguishing fire
- 72 hour waiting period for bushfire
- Covers flood and water runoff
- No cover for damage caused by underground (hydrostatic) water pressure or deliberate/malicious damage to or destruction of reservoir/dam
- No cover for damage to sea walls, sporting surfaces/courts, unsealed paths or driveways constructed from gravel or other loose material
- Up to 10% building sum insured for paths, paving, gardens, driveways and freestanding/retaining walls
- Paths, driveways, gardens, paving, freestanding/retaining walls, gates and fences not covered unless structurally sound and in good condition
- 72 hour waiting period
- Covers storm, cyclone and water runoff
- Covers landslide and subsidence but must occur within 72 hours and as a direct result of storm
- No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage, earth movement or underground (hydrostatic) water pressure
- No cover for damage to sea walls, sporting surfaces/courts, unsealed paths or driveways constructed from gravel or other loose material
- Up to 10% building sum insured for paths, paving, gardens, driveways and freestanding/retaining walls
- Paths, driveways, gardens, paving, freestanding/retaining walls, gates and fences not covered unless structurally sound and in good condition
- 72 hour waiting period
- Covered
- No cover for damage caused by underground (hydrostatic) water pressure
- No cover for damage to sea walls, sporting surfaces/courts, unsealed paths or driveways constructed from gravel or other loose material
- Up to 10% building sum insured for paths, paving, gardens, driveways and freestanding/retaining walls
- Paths, driveways, gardens, paving, freestanding/retaining walls, gates and fences not covered unless structurally sound and in good condition
- 72 hour waiting period
- Covers damage caused by animals not kept at property
- Covers damage caused by animals that become accidentally trapped inside home biting, chewing, pecking, scratching, tearing or urinating/excreting
- Covers fire and escape of liquid caused by bedbugs, birds, cockroaches, fleas, insects, lice, mice, rabbits, rats, termites or vermin
- No cover for damage caused by pets at property with resident consent or pets owned/kept/cared for by resident
- Optional
- Choose cover for building, contents, or both
- Covers accidental loss and damage to home and contents
- Covers damage caused by power surge
- No cover for cracking, chipping or breakage of handheld glass, glassware or items made of china while being used
- No cover for freestanding, retaining or sea walls; e-bikes; e-scooters; motorbikes; trail bikes; mini-bikes; quad bikes; all-terrain vehicles; trikes or motorised go-karts, golf kats or scooters
- No cover for mechanical, electrical or electronic breakdown of items except for motor burnout or power surge
- No cover for minor dents, scratches or chips of walls; floors or furniture
- No cover for swimming pools or outdoor spas or related equipment, including covers and liners
- No cover for burning, melting or scorching caused by cigarettes; cigars; pipes; tobacco; ash; or any substances designed to be burned, heated or ignited
- 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
- Repair damaged property
- Replace damaged property
- Pay you the property's replacement value, up to your sum insured or other sublimits
Building
- Up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with professional fees
- Up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with building regulations
- Up to $1500 overall
- Paid on top of sum insured
- Up to 10% sum insured overall
- Paid on top of sum insured
- 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
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
- Cover for accidental loss/damage
- Covered away from home in Australia and New Zealand
- Contents excess applies
- Up to 18 months or 10% contents sum insured
- Covers moving/storing contents
- Up to $10000 overall
- Up to $5000 per set or piece
- Up to $50000 overall
- Up to $10000 per item or set
- Up to $750 overall
- Cover for insured events, unit failure, motor burnout and failure of public electricity supply
- Up to contents sum insured overall
- Cover for overturning of removal vehicle, collision and fire
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