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
1
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Covered events
Theft
u0026#149; Covers theft and attempted theftu003cbru003eu0026#149; No cover for theft by residents or someone at the site with consent of residents
Fire
u0026#149; Covers fire and bushfireu003cbru003eu0026#149; Waiting period not disclosed for bushfire
Flood
u0026#149; Covers flood and rainwater run-offu003cbru003eu0026#149; Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-offu003cbru003eu0026#149; No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or linersu003cbru003eu0026#149; Covers swimming pool/spa covers up to 5 years oldu003cbru003eu0026#149; Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintainedu003cbru003eu0026#149; Waiting period length not disclosed in PDS
Storm and cyclone
u0026#149; Coveredu003cbru003eu0026#149; Covers landslide and subsidence but must occur as a direct result and within 72 hours of stormu003cbru003eu0026#149; No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or linersu003cbru003eu0026#149; Covers swimming pool/spa covers up to 5 years oldu003cbru003eu0026#149; Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintainedu003cbru003eu0026#149; Waiting period length not disclosed in PDS
Storm surge
u0026#149; Coveredu003cbru003eu0026#149; Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surgeu003cbru003eu0026#149; No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or linersu003cbru003eu0026#149; Covers swimming pool/spa covers up to 5 years oldu003cbru003eu0026#149; Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
u0026#149; Covers damage caused by trees or branchesu003cbru003eu0026#149; Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professionalu003cbru003eu0026#149; Covers damage caused by vehicles or watercraftu003cbru003eu0026#149; Covers damage caused by masts or flagpolesu003cbru003eu0026#149; Covers damage caused by external aerials or satellite dishesu003cbru003eu0026#149; Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellitesu003cbru003eu0026#149; Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removedu003cbru003eu0026#149; Does not cover costs to remove stumpsu003cbru003eu0026#149; Does not cover costs to cut down or remove tree, if it didn't cause damage
Animal damage
u0026#149; Covers damage caused by animals not kept at the siteu003cbru003eu0026#149; No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a residentu003cbru003eu0026#149; No cover for damage caused by birds biting, pecking or scratching
Escape of liquid
Breakage
Accidental damage
u0026#149; Optionalu003cbru003eu0026#149; Covers accidental loss and damage to home and contentsu003cbru003eu0026#149; No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or datau003cbru003eu0026#149; No cover for fishing or sporting equipment, musical instruments or firearms while someone is using themu003cbru003eu0026#149; No cover for retaining wallsu003cbru003eu0026#149; No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
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
Customer cost
Cash settlement for contents claims
u0026#149; Customer costu003cbru003eu0026#149; Insurer may offer non-cash alternatives
New for old contents replacement
1
Building
Motor burnout
u0026#149; Motors up to 15 yearsu003cbru003eu0026#149; Optional
Keys and locks after break-in
1
Gardens and landscaping
Up to $1500 overall
Costs to comply with building regulations
Reasonable cost
Professional fees
Reasonable cost
Mortgage discharge fees
u0026#149; Reasonable costu003cbru003eu0026#149; Paid on top of sum insured
Debris removal and demolition
u0026#149; Up to 10% sum insured overallu003cbru003eu0026#149; Paid on top of sum insured
Temporary accommodation
u0026#149; Up to 12 months or 20% building sum insuredu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costsu003cbru003eu0026#149; Available after a claim for building damage
Contents
Cover for unspecified portable contents
u0026#149; Covers some items for theft and accidental loss/damageu003cbru003eu0026#149; Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational itemsu003cbru003eu0026#149; Up to $10000 per itemu003cbru003eu0026#149; Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the worldu003cbru003eu0026#149; $250 excessu003cbru003eu0026#149; Optional
Optional cover for individual portable valuables
u0026#149; Cover for theft and accidental loss/damageu003cbru003eu0026#149; Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)u003cbru003eu0026#149; $250 excess
Contents in the open air
Up to 20% sum insured overall
Emergency storage
u0026#149; Up to 12 monthsu003cbru003eu0026#149; Covers storage of contents
Jewellery
Up to $2500 overall
Artworks
Up to $2500 overall
Collections (e.g. stamps, coins)
Up to $2500 overall
Digital media
1
Spoiled food
u0026#149; Up to $500 overallu003cbru003eu0026#149; Cover for interruption to electricity supply caused by insured eventu003cbru003eu0026#149; Optional cover for motor burnout
Visitors' contents
Up to $2500 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 contents sum insured overallu003cbru003eu0026#149; Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunamiu003cbru003eu0026#149; Up to $10000 for accidental damage
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