Cover for people named on the policy, plus their family members living with them
Cover for incidents in Australia
Renters liability
1
Cost
Same price to pay monthly
ACT price comparison
N/A
NSW price comparison
N/A
NT price comparison
N/A
North Queensland price comparison
N/A
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 and attempted theft
No cover for theft from secure shared areas without evidence of forced entry
No cover for theft by residents; paying guests; tenants/their visitors or someone entering through part of home under construction, renovation or alteration
Fire
Covers fire; bushfire; grassfire; and heat, ash, soot or smoke from fire within 100m of address
Accidental damage option covers heat, ash, soot or smoke from fire over 100m from address
72 hour waiting period for bushfire and grassfire
Flood
u0026#149; Optionalu003cbru003eu0026#149; 72 hour waiting period
Storm and cyclone
u0026#149; Covers storm; rainwater; escape of rainwater from water pipes, drains or gutters; and wind caused by storms/heavy rainu003cbru003eu0026#149; Covers earth movement but must occur as a result of and within 72 hours of storm/heavy rainu003cbru003eu0026#149; Covers surface run-off rainwater from surrounding areas but must occur within 24 hours of storm/heavy rainu003cbru003eu0026#149; No cover for due to an opening not created by an insured event caused by dust, hail, rain, snow or windu003cbru003eu0026#149; 72 hour waiting period for storm (including cyclone)
Storm surge
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
u0026#149; Covers damage caused by impact from outside the buildingu003cbru003eu0026#149; Includes damage caused by motor vehicles, falling trees, debris from nearby construction sites, power poles, drones or birdsu003cbru003eu0026#149; No cover for damage caused by roots of trees, plants, shrubs or hedgesu003cbru003eu0026#149; No cover for damage caused by lopping or felling of trees if performed or authorised by a resident, unless done by a professional tree removal businessu003cbru003eu0026#149; No cover for damage caused by animals or birds kept at the address; or animals or birds pecking, biting, clawing or chewing your property
Animal damage
u0026#149; Covers impact damage caused by animals/birds not kept at addressu003cbru003eu0026#149; Accidental damage option covers impact damage caused by animals/birds kept at addressu003cbru003eu0026#149; No cover for damage caused by animals/birds biting, chewing, clawing or peckingu003cbru003eu0026#149; No cover for damage caused by insects, lizards, rodents, termites or vermin
Escape of liquid
Breakage
Accidental damage
u0026#149; Optionalu003cbru003eu0026#149; Covers accidental loss and damage to your contentsu003cbru003eu0026#149; Covers impact damage caused by animals or birds kept at the addressu003cbru003eu0026#149; Covers scorch marks caused by a hot pan on your benchtopu003cbru003eu0026#149; Covers ash, heat, smoke or soot when no fire damage has occurredu003cbru003eu0026#149; Covers melting or scorching when there is heat but no flameu003cbru003eu0026#149; Covers accidental breakage of glass and crystal items designed to be carried by handu003cbru003eu0026#149; Covers accidental breakage of glass in a TV, radio, tablet or visual display unit or that forms part of a radio, clock, vase, ornament or lampu003cbru003eu0026#149; No cover for aircraft, drones or model craft and their accessoriesu003cbru003eu0026#149; No cover for audio or video tapes or clothing or accessoriesu003cbru003eu0026#149; No cover for bicycles; e-bikes; scooters; e-scooters or sporting, recreational or leisure goods or equipment while being usedu003cbru003eu0026#149; No cover for cash, cheques or gift cards or other similar financial itemsu003cbru003eu0026#149; No cover for CDs, DVDs, digital storage devices, records, computer software, game cartridges or game consolesu003cbru003eu0026#149; No cover for items used in business, trade or professionu003cbru003eu0026#149; No cover for mobile phones, smart phones or smart devices or their accessoriesu003cbru003eu0026#149; No cover for swimming pools or spas or any associated equipmentu003cbru003eu0026#149; No cover for damage caused by computer viruses; malfunction to computer systems; loss or corruption of data; tenants living in the home; paying guests staying in the home; intentional or deliberate acts; construction, alteration or renovation work; power surge or fluctuation (unless caused by lightning strike); processes of professional cleaning, repairing, restoring or renovation; or cleaning involving chemicals other than domestic household chemicalsu003cbru003eu0026#149; No cover for other damage caused by animals, birds or their excrementu003cbru003eu0026#149; No cover for burning or scorching caused by cigars, cigarettes or pipesu003cbru003eu0026#149; No cover for chipping, denting or scratching caused by normal use
Claims
Out-of-hours claiming
Online and 24/7 phone
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 if insurer offers cash
Insurer cost if you ask for cash (may be less than retail cost)
Insurer may offer non-cash alternatives
New for old contents replacement
1
Contents
Cover for unlisted portable contents
Covers some items for accidental loss/damage
Choose overall limit from $1000–$5000
Up to $1000 per item
Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
$100 excess
Optional
Optional cover for specially listed valuables
Cover for accidental loss/damage
Covered away from home in Australia, New Zealand, and for up to 90 days in rest of the world
$100 excess
Contents in the open air
Up to sum insured overall
Up to $1000 for theft
Temporary accommodation
Up to 12 months or 10% sum insured
Paid on top of sum insured
Covers accommodation for you and your pets
Covers additional rent above what you currently pay
Debris removal
Up to 10% sum insured overall
Paid on top of sum insured
Emergency storage
Up to sum insured
Covers removing/storing contents in commercial storage facility
Keys and locks after break-in
Up to $1000 overall
Motor burnout
Motors up to 10 years
Optional
Jewellery
Up to $5000 overall
Up to $1000 per item or set
Artworks
Up to $12000 overall
Up to $5000 per item or set
Collections (e.g. stamps, coins)
Up to $2000 per item or collection
Digital media
Up to $3000 overall
Spoiled food
Up to $500 overall
Cover for insured events
Optional cover for motor burnout
Visitors' contents
Up to $500 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 20% contents sum insured overall
Cover for overturning of removal vehicle, collision and fire
