u0026#149; Nominate a sum insured for your buildingu003cbru003eu0026#149; 25% underinsurance safety net
Contents cover
Nominate a sum insured for your contents
Legal liability
u0026#149; Up to $20 millionu003cbru003eu0026#149; Cover for people named on the policy, plus their family members living with themu003cbru003eu0026#149; Cover for incidents in Australia and New Zealand
Cost
Same price to pay monthly
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Covered events
Theft
u0026#149; Covers theft and burglaryu003cbru003eu0026#149; No cover for theft by residents or someone at site with consent
Fire
u0026#149; Covers fire; bushfire; and heat, ash, soot or smoke from fire within 100m of addressu003cbru003eu0026#149; After bushfire, up to $1000 for cleaning fire retardant off building and replacing water contaminated by fire retardant or used to limit spread of fireu003cbru003eu0026#149; 72 hour waiting period for bushfire
Flood
u0026#149; Coveredu003cbru003eu0026#149; Covers landslide and subsidence but must be directly caused by and occur within 72 hours of floodu003cbru003eu0026#149; No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movementu003cbru003eu0026#149; No cover for damage to retaining walls; sea walls; revetments; garden borders; free-standing outdoor walls; sporting surfaces/courts; or boat jetties, pontoons, mooring pools and attachments/accessoriesu003cbru003eu0026#149; No cover for cracking of sealed paths, roads or drivewaysu003cbru003eu0026#149; No cover for cost of cleaning undamaged itemsu003cbru003eu0026#149; Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepairu003cbru003eu0026#149; Damage to external paintwork not covered if this is the only flood damageu003cbru003eu0026#149; 72 hour waiting period
Storm and cyclone
u0026#149; Coveredu003cbru003eu0026#149; Covers landslide and subsidence but must be directly caused by and occur within 72 hours of stormu003cbru003eu0026#149; No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movementu003cbru003eu0026#149; No cover for damage to retaining walls; sea walls; revetments; garden borders; free-standing outdoor walls; sporting surfaces/courts; or boat jetties, pontoons, mooring pools and attachments/accessoriesu003cbru003eu0026#149; No cover for cracking of sealed paths, roads or drivewaysu003cbru003eu0026#149; No cover for cost of cleaning undamaged itemsu003cbru003eu0026#149; Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepairu003cbru003eu0026#149; Damage to external paintwork not covered if this is the only storm damageu003cbru003eu0026#149; 72 hour waiting period
Storm surge
u0026#149; Coveredu003cbru003eu0026#149; Covers landslide and subsidence but must be directly caused by and occur within 72 hours of floodu003cbru003eu0026#149; No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movementu003cbru003eu0026#149; No cover for damage to retaining walls; sea walls; revetments; garden borders; free-standing outdoor walls; sporting surfaces/courts; or boat jetties, pontoons, mooring pools and attachments/accessoriesu003cbru003eu0026#149; No cover for cost of cleaning undamaged itemsu003cbru003eu0026#149; Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepairu003cbru003eu0026#149; Damage to external paintwork not covered if this is the only storm surge damageu003cbru003eu0026#149; 72 hour waiting period
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
u0026#149; Covers damage caused by falling trees or part of a falling tree, including rootsu003cbru003eu0026#149; Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraftu003cbru003eu0026#149; Covers damage caused by power poles or mastsu003cbru003eu0026#149; Covers damage caused by TV antennas, satellite dishes or communication aerialsu003cbru003eu0026#149; Covers damage caused by drones, aircraft, space debris or meteoritesu003cbru003eu0026#149; Covers power surge caused by the impactu003cbru003eu0026#149; No cover for damage caused by fallen trees or tree parts being carried in or moved by wateru003cbru003eu0026#149; No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorisedu003cbru003eu0026#149; No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipmentu003cbru003eu0026#149; Does not cover removing or lopping trees or branches that haven't damaged the buildingu003cbru003eu0026#149; Does not cover removing tree stumps still in the groundu003cbru003eu0026#149; Does not cover removing roots still in the ground
Animal damage
u0026#149; Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the homeu003cbru003eu0026#149; Covers fire and escape of liquid caused by insects, rodents or verminu003cbru003eu0026#149; No cover for damage caused by animals owned by or cared for or allowed at the address by a residentu003cbru003eu0026#149; No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
Escape of liquid
Breakage
Accidental damage
u0026#149; Covered by defaultu003cbru003eu0026#149; Covers accidental loss and damage to home and contentsu003cbru003eu0026#149; Covers bicycles while in use, provided they aren't being used for racing or pace-makingu003cbru003eu0026#149; No cover for boat jetties, pontoons or mooring poles and their attachments and accessoriesu003cbru003eu0026#149; No cover for cracking of sealed paths, driveways or roadsu003cbru003eu0026#149; No cover for damage caused by road vehicles, cranes or earthmoving equipment to driveways, paths, paving or underground servicesu003cbru003eu0026#149; No cover for damage caused to the home by earthworks or construction undertaken by a neighbouru003cbru003eu0026#149; No cover for gates or fences that would be considered by a reasonable person to be in an obvious state of disrepair before the loss or damage occurredu003cbru003eu0026#149; No cover for retaining, sea or free-standing outdoor walls; revetments; garden borders or sporting surfaces or courtsu003cbru003eu0026#149; No cover for shower bases tiled or otherwiseu003cbru003eu0026#149; No cover for sporting, recreational or leisure goods while in useu003cbru003eu0026#149; No cover for tanks or containers that burst or leaku003cbru003eu0026#149; No cover for damage caused by failure or shutdown of electricity supply; liquid escaping from agricultural or overflow pipes; animals or birds pecking, biting, clawing, scratching, tearing or chewing the building; animal or bird urine and excrement; building, renovating or altering the home (except for spilling paint); physical assaults; death; tenants; paying guests; or boardersu003cbru003eu0026#149; No cover for burning or scorching caused by cigars, cigarettes or pipesu003cbru003eu0026#149; No cover for food spoilage caused by failure or shutdown of electricity supplyu003cbru003eu0026#149; No cover for pollution or vapour caused by home heaters or cooking appliancesu003cbru003eu0026#149; No cover for damage that occurs gradually or if you're unable to establish the accidental loss or damage took place at a certain time and date
Claims
Out-of-hours claiming
Online and 24/7 phone
How the insurer can settle your claim
u0026#149; Repair damaged propertyu003cbru003eu0026#149; Replace damaged propertyu003cbru003eu0026#149; Pay you the property's replacement value, up to your sum insured or other sublimits
Cash settlement for building claims
u0026#149; Customer cost if insurer offers cashu003cbru003eu0026#149; Insurer cost if you ask for cash (may be less than retail cost)
Cash settlement for contents claims
u0026#149; Customer cost if insurer offers cashu003cbru003eu0026#149; Insurer cost if you ask for cash (may be less than retail cost)u003cbru003eu0026#149; Insurer may offer non-cash alternatives
New for old contents replacement
Yes (excludes art objects, collections, memorabilia and antiques, ornaments, paintings, pictures, sculptures and works of art)
Building
Motor burnout
Motors up to 10 years
Keys and locks after break-in
Up to $1000 overall
Gardens and landscaping
u0026#149; Up to $1000 overallu003cbru003eu0026#149; No cover for escape of liquid, flood, storm or storm surge
Costs to comply with building regulations
u0026#149; Up to 20% sum insured overallu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Limit combined with debris removal and professional fees
Professional fees
u0026#149; Up to 20% sum insured overallu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Limit combined with building regulations and debris removal
Mortgage discharge fees
u0026#149; Up to $1500 overallu003cbru003eu0026#149; Paid on top of sum insured
Debris removal and demolition
u0026#149; Building claims: up to 20% sum insured overallu003cbru003eu0026#149; Contents claims: up to 15% sum insured overallu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Limit combined with building regulations and professional fees
Temporary accommodation
u0026#149; Up to 10% building sum insuredu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break feeu003cbru003eu0026#149; Up to 5% building sum insured for additional accommodation costs during repair delays out of your controlu003cbru003eu0026#149; Up to 4 weeks for short term accommodationu003cbru003eu0026#149; Available after a claim for building damage
Contents
Cover for unspecified portable contents
u0026#149; Covers some items for accidental loss/damageu003cbru003eu0026#149; Choose overall limit from $1000u0026#150;$10000u003cbru003eu0026#149; Up to $1000 per item, collection, pair and setu003cbru003eu0026#149; Up to 30 days for watches and jewellery outside Australia u0026 New Zealand (must be worn or in a safe)u003cbru003eu0026#149; Covered anywhere in Australia and New Zealandu003cbru003eu0026#149; $100 excessu003cbru003eu0026#149; Optional
Optional cover for individual portable valuables
u0026#149; Cover for accidental loss/damageu003cbru003eu0026#149; Covered anywhere in Australia and New Zealandu003cbru003eu0026#149; $100 excess
Contents in the open air
Up to sum insured overall
Emergency storage
u0026#149; Up to 10% contents sum insuredu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Covers moving/storing contents
Jewellery
u0026#149; Up to $10000 overallu003cbru003eu0026#149; Up to $3000 per item or set
Artworks
u0026#149; Up to $80000 overallu003cbru003eu0026#149; Up to $20000 per item or set
Collections (e.g. stamps, coins)
Up to $5000 overall
Digital media
1
Spoiled food
u0026#149; Up to $500 overallu003cbru003eu0026#149; Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
Visitors' contents
Pet cover
u0026#149; Up to $2000 overallu003cbru003eu0026#149; Cover for accidental injuryu003cbru003eu0026#149; Optional
Overlapping cover at a new house
Up to 14 days cover at both addresses
Cover for contents while moving house
u0026#149; Up to contents sum insured overallu003cbru003eu0026#149; Cover for collision, overturning or theft of removal vehicle; accident involving removal vehicle; fire and flood
Reviews you can trust
Results for paid members only
