Specify a sum insured for each item worth more than $15000
Legal liability
Up to $20 million
Cover for anyone living at the insured address
Cover for incidents in Australia
Renters liability
Up to 10% sum insured for damage to carpets and fixtures and fittings
Cost
Same price to pay monthly
ACT price comparison
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NSW price comparison
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NT price comparison
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North Queensland price comparison
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South Queensland price comparison
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SA price comparison
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Tasmania price comparison
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Victoria price comparison
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WA price comparison
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Covered events
Theft
Covers theft, attempted theft and burglary
No cover for theft by deception
No cover for theft from common areas
Covers theft by someone carrying out a commercial service
No cover for theft by residents or someone at the premises with consent
Fire
Covers accidental fire; bushfire; soot/smoke from bushfire; soot/smoke from accidental fire within 100m of building; and fire caused by mechanical, electrical or electronic breakdown/failure
72 hour waiting period for bushfire
Flood
u0026#149; Coveredu003cbru003eu0026#149; Covers landslip and subsidence but must occur within 72 hours of floodu003cbru003eu0026#149; No cover for damage caused by rising damp; seepage; or landslip, subsidence or erosion over timeu003cbru003eu0026#149; 72 hour waiting period
Storm and cyclone
u0026#149; Covers storm; lightning; wind; hail; snow; storm water overflow from roof gutters, downpipes and the area immediately around premises; and mechanical, electrical or electronic breakdown or failure caused by the stormu003cbru003eu0026#149; Covers landslip and subsidence but must occur directly because and within 72 hours of stormu003cbru003eu0026#149; No cover for damage caused by rising damp; seepage; or landslip, subsidence or erosion over timeu003cbru003eu0026#149; 72 hour waiting period
Storm surge
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 vehicles; watercraft; or objects falling from a vehicle, watercraft or aircraftu003cbru003eu0026#149; Covers damage caused by power poles, flagpoles or mastsu003cbru003eu0026#149; Covers damage caused by aerials or satellite dishesu003cbru003eu0026#149; Covers damage caused by aircraft, space debris, meteorites or asteroidsu003cbru003eu0026#149; Accidental damage option covers damage caused by your actions or those of someone acting with your authorityu003cbru003eu0026#149; No cover for damage caused by pruning, transplanting, tree lopping or felling by you or anyone acting on your behalfu003cbru003eu0026#149; No cover for damage to driveways, paths, paving or underground services caused by vehicles, cranes or earthmoving equipmentu003cbru003eu0026#149; Does not cover cost of removing or pruning fallen trees or branches that have not damaged the propertyu003cbru003eu0026#149; Does not cover cost of removing the stump of the tree that caused the impact
Animal damage
u0026#149; Covers damage caused by animals not kept at the premisesu003cbru003eu0026#149; Covers fire caused by amphibians, insects, lizards, pets, rodents, vermin or other animals kept at or allowed onto premisesu003cbru003eu0026#149; Covers damage caused by birds that are accidentally trapped inside building biting, chewing, clawing, pecking, scratching, soiling, tearing or urinatingu003cbru003eu0026#149; Covers damage caused by amphibians, insects, lizards, rodents or vermin escaping wateru003cbru003eu0026#149; Accidental damage option covers damage caused by pets or other animals kept at or allowed onto premisesu003cbru003eu0026#149; No cover for damage caused by any other animal biting, chewing, clawing, pecking, scratching, soiling, tearing or urinating
Escape of liquid
Breakage
Accidental damage
u0026#149; Optionalu003cbru003eu0026#149; Covers accidental loss and damage to your contentsu003cbru003eu0026#149; No cover for business items (insurable under a separate option)u003cbru003eu0026#149; No cover for items which have reached the end of their functional life or kept at a storage facilityu003cbru003eu0026#149; No cover for swimming pools or outdoor spas including covers and linersu003cbru003eu0026#149; No cover for damage caused by earthworks, construction or renovationu003cbru003eu0026#149; No cover for burning, melting or scorching caused by processes that involve heat or fire relating to any substance designed to be burned or heated up
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
New for old contents replacement
1
Contents
Cover for unlisted portable contents
Covers general contents for accidental loss/damage
Up to contents sum insured overall
Up to $15000 per item
Covered anywhere worldwide
Contents excess applies
Optional
Optional cover for specially listed valuables
Cover for accidental loss/damage
Covered anywhere worldwide
Contents excess applies
Contents in the open air
Up to 10% sum insured or $20000 overall
Temporary accommodation
Up to 1 month or 1% sum insured
Paid on top of sum insured
Covers suitable temporary accommodation
Debris removal
1
Emergency storage
Up to 10% sum insured
Paid on top of sum insured
Covers moving/storing contents
Keys and locks after break-in
Up to $500 overall
Motor burnout
Motors up to 10 years or $1000 overall
Jewellery
Nominate a sum insured for this category
Up to $15000 per item, set or pair
Optional
Artworks
Up to general contents item limit per artwork
Collections (e.g. stamps, coins)
Up to general contents item limit per item, set or pair
Digital media
Spoiled food
1
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 20% contents sum insured overall
Cover for accident involving removal vehicle and fire
