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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Victoria price comparison
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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 building that you didn't know about 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/under care of/allowed on the property by a resident or someone staying at the homeu003cbru003eu0026#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; Optionalu003cbru003eu0026#149; Covers accidental loss and damage to home and contentsu003cbru003eu0026#149; Covers bicycles while in use, unless being used for racing or pace-makingu003cbru003eu0026#149; No cover for cash, smart cards, phone cards, vouchers, money orders or stamps (not in a collection) or documents able to be cashed or tradedu003cbru003eu0026#149; No cover for cracking of sealed tanks or containersu003cbru003eu0026#149; No cover for retaining, sea or freestanding outdoor walls; revetments; garden borders; boat jetties; pontoons; mooring poles; walls; driveways; paths; roads or swimming pool liners or coversu003cbru003eu0026#149; No cover for shower bases that burst or leaku003cbru003eu0026#149; No cover for sporting surfaces or courts or their attachments and accessoriesu003cbru003eu0026#149; No cover for sporting, recreational or leisure goods while in useu003cbru003eu0026#149; No cover for swimming pool liners or covers or fence 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 damage caused by insects; vermin; rodents; failure or shutdown of electricity supply; leaks from agricultural pipes 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 building (except spilling paint); physical assaults; death; tenants; paying guests; or boardersu003cbru003eu0026#149; No cover for damage to buildings caused by earthworks or construction undertaken by a neighbouru003cbru003eu0026#149; No cover for damage to driveways, paths or paving or underground services caused by road vehicles, cranes or earthmoving equipmentu003cbru003eu0026#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 antiques, art objects, collections, ornaments, paintings, pictures, sculptures, sets and memorabilia and works of art)
Building
Motor burnout
Motors up to 7 years
Keys and locks after break-in
Gardens and landscaping
Costs to comply with building regulations
u0026#149; Up to 15% 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 15% sum insured overallu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Limit combined with building regulations and debris removal
Mortgage discharge fees
Debris removal and demolition
u0026#149; Building claims: up to 15% sum insured overallu003cbru003eu0026#149; Contents claims: up to 10% 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, mail redirection, utility connection fees, relocating contents to/from temporary accommodation, contents insurance at temporary accommodation, assistance with rental bond (must be repaid to insurer), lease break fee and commercial pet boardingu003cbru003eu0026#149; Up to 4 weeks for short term accommodationu003cbru003eu0026#149; Up to 26 weeks for extended accommodation if repairs delayed for reasons outside your control
Contents
Cover for unspecified portable contents
u0026#149; Covers some items for accidental loss/damageu003cbru003eu0026#149; Choose overall limit from $1000u0026#150;$5000u003cbru003eu0026#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 20% 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 $5000 overallu003cbru003eu0026#149; Up to $2000 per item or set
Artworks
u0026#149; Up to $5000 overallu003cbru003eu0026#149; Up to $2500 per item or set
Collections (e.g. stamps, coins)
Up to $5000 overall
Digital media
Up to $1000 overall
Spoiled food
u0026#149; Up to $400 overallu003cbru003eu0026#149; Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
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