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Cover score
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Price score
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Customer satisfaction
N/A
Description
Insurer
Sure
Policy
Contents Only (renters)
Owner type
Renters
Provider
u0026#149; Liberty Mutual Insurance Company, Australia Branchu003cbru003eu0026#149; Pacific International Insurance Pty Ltdu003cbru003eu0026#149; The New India Assurance Co. Ltdu003cbru003eu0026#149; Chubb Insurance Australia Limited
About the insurer
Sure
Cover summary
Contents cover
Nominate a sum insured for your contents
Legal liability
u0026#149; Up to $20 millionu003cbru003eu0026#149; Cover for anyone living at the insured addressu003cbru003eu0026#149; Cover for incidents in Australia
Renters liability
No cover damage caused by no
Cost
Same price to pay monthly
1
ACT price comparison
N/A
NSW price comparison
N/A
NT price comparison
N/A
North Queensland price comparison
$$$
South Queensland price comparison
N/A
SA price comparison
N/A
Tasmania price comparison
N/A
Victoria price comparison
N/A
WA price comparison
N/A
Covered events
Theft
u0026#149; Covers theft, attempted theft, burglary and attempted burglaryu003cbru003eu0026#149; No cover for theft without violence/force where entry gained from common area of multiple occupancy residenceu003cbru003eu0026#149; Covers theft by tenants/their guests ($2000 excess)u003cbru003eu0026#149; No cover for theft by residents or someone at the home with resident's consentu003cbru003eu0026#149; Up to $1000 for stolen credit/ATM card fraud
Fire
u0026#149; Covers fire and bushfireu003cbru003eu0026#149; Covers fire retardant clean-up and costs incurred extinguishing fireu003cbru003eu0026#149; 72 hour waiting period for bushfire
Flood
u0026#149; Covers flood and water runoffu003cbru003eu0026#149; No cover for damage caused by underground (hydrostatic) water pressure or deliberate/malicious damage to or destruction of reservoir/damu003cbru003eu0026#149; 72 hour waiting period
Storm and cyclone
u0026#149; Covers storm, cyclone and water runoffu003cbru003eu0026#149; Covers landslide and subsidence but must occur within 72 hours and as a direct result of stormu003cbru003eu0026#149; No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage, earth movement or underground (hydrostatic) water pressureu003cbru003eu0026#149; 72 hour waiting period
Storm surge
u0026#149; Coveredu003cbru003eu0026#149; No cover for damage caused by underground (hydrostatic) water pressureu003cbru003eu0026#149; 72 hour waiting period
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 motor vehicles, trailers, caravans or watercraftu003cbru003eu0026#149; Covers damage caused by power polesu003cbru003eu0026#149; Covers damage caused by satellite dishes; or television or radio aerialsu003cbru003eu0026#149; Covers damage caused by debris falling from the air, space, an aircraft, rocket, satellite or droneu003cbru003eu0026#149; No cover for damage caused by roots of trees, plants, hedges or shrubsu003cbru003eu0026#149; No cover for damage caused by lopping or felling treesu003cbru003eu0026#149; No cover for damage to driveways, garage floors, carport floors, paths, paving or underground services caused by motor vehicles, cranes or earthmoving equipmentu003cbru003eu0026#149; No cover for damage to contents caused by ceiling collapse that you should have expected, but took inadequate steps to prevent or avoid
Animal damage
u0026#149; Covers damage caused by animals not kept at propertyu003cbru003eu0026#149; Covers damage caused by animals that become accidentally trapped inside home biting, chewing, pecking, scratching, tearing or urinating/excretingu003cbru003eu0026#149; Covers fire and escape of liquid caused by bedbugs, birds, cockroaches, fleas, insects, lice, mice, rabbits, rats, termites or verminu003cbru003eu0026#149; No cover for damage caused by pets at property with resident consent or pets owned/kept/cared for by resident
Escape of liquid
Breakage
Accidental damage
u0026#149; Optionalu003cbru003eu0026#149; Covers accidental loss and damage to your contentsu003cbru003eu0026#149; Covers damage caused by power surgeu003cbru003eu0026#149; No cover for cracking, chipping or breakage of handheld glass, glassware or items made of china while being usedu003cbru003eu0026#149; No cover for e-bikes, e-scooters, motorbikes, trail bikes, mini-bikes, quad bikes, all-terrain vehicles, trikes or motorised go-karts, golf kats or scootersu003cbru003eu0026#149; No cover for mechanical, electrical or electronic breakdown of items except for motor burnout or power surgeu003cbru003eu0026#149; No cover for minor dents, scratches or chips of floors or furnitureu003cbru003eu0026#149; No cover for swimming pools or outdoor spas or related equipment, including covers and linersu003cbru003eu0026#149; No cover for burning, melting or scorching caused by cigarettes; cigars; pipes; tobacco; ash; or any substances designed to be burned, heated or ignitedu003cbru003eu0026#149; No cover for damage if your home has been rented to another person; while your home is being renovated; or after the first 90 days of the home being unoccupied, unless insurer agrees
Claims
Out-of-hours claiming
Online
How the insurer can settle your claim
u0026#149; Repair damaged itemsu003cbru003eu0026#149; Replace damaged itemsu003cbru003eu0026#149; 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
u0026#149; Covers general contents for accidental loss/damageu003cbru003eu0026#149; Choose overall limit from up to $10000 or 25% contents sum insuredu003cbru003eu0026#149; Choose limit from $1000u0026#150;$1500 per itemu003cbru003eu0026#149; Covered away from home in Australia and New Zealandu003cbru003eu0026#149; Contents excess appliesu003cbru003eu0026#149; Optional
Optional cover for specially listed valuables
u0026#149; Cover for accidental loss/damageu003cbru003eu0026#149; Covered away from home in Australia and New Zealandu003cbru003eu0026#149; Contents excess applies
Contents in the open air
Up to $3000 overall
Temporary accommodation
u0026#149; Up to 18 months or 10% sum insuredu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Covers temporary accommodation similar to your home for people living at the address, assistance with rental bond (must be repaid to insurer), utility connection costs, removal costs and lease break feesu003cbru003eu0026#149; Up to $500 per week, if you stay with family or friends insteadu003cbru003eu0026#149; Up to $2000 for commercial pet boarding
Debris removal
u0026#149; Up to 10% sum insured overallu003cbru003eu0026#149; Paid on top of sum insured
Emergency storage
u0026#149; Up to 18 months or 10% sum insuredu003cbru003eu0026#149; Covers moving/storing contents
Keys and locks after break-in
Up to $1000 overall
Motor burnout
Motors up to 15 years
Jewellery
u0026#149; Up to $10000 overallu003cbru003eu0026#149; Up to $5000 per set or piece
Artworks
u0026#149; Up to $50000 overallu003cbru003eu0026#149; Up to $10000 per item or set
Collections (e.g. stamps, coins)
Up to $10000 overall
Digital media
Up to $5000 overall
Spoiled food
u0026#149; Up to $750 overallu003cbru003eu0026#149; Cover for insured events, unit failure, motor burnout and failure of public electricity supply
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
u0026#149; Up to contents sum insured overallu003cbru003eu0026#149; Cover for overturning of removal vehicle, collision and fire
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