u0026#149; Nominate a sum insured for your buildingu003cbru003eu0026#149; Optional 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
Cost
Same price to pay monthly
ACT price comparison
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Covered events
Theft
u0026#149; Covers theft and attempted theftu003cbru003eu0026#149; No cover for theft by residents; paying guests; tenants/their visitors or someone entering through part of home under construction, renovation or alteration
Fire
u0026#149; Covers fire; bushfire; grassfire; and heat, ash, soot or smoke from fire within 100m of addressu003cbru003eu0026#149; Accidental damage option covers heat, ash, soot or smoke from fire over 100m from addressu003cbru003eu0026#149; 72 hour waiting period for bushfire and grassfire
Flood
u0026#149; Optionalu003cbru003eu0026#149; No cover for damage to garden borders, driveways, paths, pavers, gardens, jetties, wharves, pontoons, retaining walls, swimming pool/spa liners or covers or tennis court surfaces/spasu003cbru003eu0026#149; No cover for water in swimming pools/spasu003cbru003eu0026#149; Fences and gates not covered unless in good conditionu003cbru003eu0026#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; No cover for damage to artificial grass/turf, courts designed for sports with fixed surfaces, garden borders, driveways, paths, pavers, gardens, jetties, wharves, pontoons, retaining walls, swimming pool/spa liners or covers or tennis court surfacesu003cbru003eu0026#149; No cover for water in swimming pools/spasu003cbru003eu0026#149; Fences and gates not covered unless in good conditionu003cbru003eu0026#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 home and 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
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
1
Building
Motor burnout
u0026#149; Motors up to 10 yearsu003cbru003eu0026#149; Optional
Keys and locks after break-in
Up to $1000 overall
Gardens and landscaping
Costs to comply with building regulations
u0026#149; Up to 10% 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 10% sum insured overallu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Limit combined with building regulations and debris removal
Mortgage discharge fees
Up to $750 overall
Debris removal and demolition
u0026#149; 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 12 months or 10% sum insuredu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Covers accommodation for you and your pets
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 itemu003cbru003eu0026#149; Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the worldu003cbru003eu0026#149; $100 excessu003cbru003eu0026#149; Optional
Optional cover for individual portable valuables
u0026#149; Cover for accidental loss/damageu003cbru003eu0026#149; Covered away from home in Australia, New Zealand, and for up to 90 days in rest of the worldu003cbru003eu0026#149; $100 excess
Contents in the open air
u0026#149; Up to sum insured overallu003cbru003eu0026#149; Up to $1000 for theft
Emergency storage
u0026#149; Up to sum insuredu003cbru003eu0026#149; Covers removing/storing contents in commercial storage facility
Jewellery
u0026#149; Up to $5000 overallu003cbru003eu0026#149; Up to $1000 per item or set
Artworks
u0026#149; Up to $12000 overallu003cbru003eu0026#149; 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
u0026#149; Up to $500 overallu003cbru003eu0026#149; Cover for insured eventsu003cbru003eu0026#149; Optional cover for motor burnout
Visitors' contents
Up to $500 overall
Pet cover
Overlapping cover at a new house
Up to 14 days cover at both addresses
Cover for contents while moving house
u0026#149; Up to 20% contents sum insured overallu003cbru003eu0026#149; Cover for overturning of removal vehicle, collision and fire
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