Recommended products Results for paid members only
Recommended
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CHOICE Expert Rating
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Cover score
Members only
Price score
Members only
Customer satisfaction
N/A
Description
Insurer
Guild
Policy
Home Essential (strata owners)
Owner type
Strata owners
Provider
Guild Insurance Limited
About the insurer
Guild
Cover summary
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 worldwide
Renters liability
Cost
Same price to pay monthly
1
ACT price comparison
$
NSW price comparison
$
NT price comparison
N/A
North Queensland price comparison
N/A
South Queensland price comparison
$$
SA price comparison
$$
Tasmania price comparison
$$
Victoria price comparison
$
WA price comparison
$
Covered events
Theft
u0026#149; Covers theft, attempted theft, burglary and housebreakingu003cbru003eu0026#149; No cover for theft or attempted theft from internal/external common propertyu003cbru003eu0026#149; No cover for theft by someone who lives with youu003cbru003eu0026#149; Up to $2500 for security firm attendance
Fire
u0026#149; Covers fire, explosion and lightningu003cbru003eu0026#149; 48 hour waiting period for bushfire and grassfire
Flood
Storm and cyclone
u0026#149; Covers storm, hail and rainwateru003cbru003eu0026#149; Covers erosion, landslide and subsidence, but must occur as a result of and within 72 hours of storm, hail or rainwateru003cbru003eu0026#149; 48 hour waiting period for named cyclone
Storm surge
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
u0026#149; Covers damage caused by falling trees or parts of treesu003cbru003eu0026#149; Covers damage caused by vehiclesu003cbru003eu0026#149; Covers damage caused by mastsu003cbru003eu0026#149; Covers damage caused by aerialsu003cbru003eu0026#149; Covers damage caused by animals (except those kept at the address)u003cbru003eu0026#149; Covers damage caused by aircraft, spacecraft, space debris or meteoritesu003cbru003eu0026#149; No cover for damage caused by trees or branches lopped by you or on your behalf
Animal damage
u0026#149; Covers impact damage caused by animals not kept at the addressu003cbru003eu0026#149; No cover for damage caused by birds, insects or vermin
Escape of liquid
Breakage
Accidental damage
Claims
Out-of-hours claiming
Online and 24/7 phone
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 some items for accidental loss/damageu003cbru003eu0026#149; Optional cover for floodu003cbru003eu0026#149; Up to $15000 overallu003cbru003eu0026#149; Up to $2500 per item, pair and setu003cbru003eu0026#149; Covered anywhere in Australia, and for up to 30 days in rest of the worldu003cbru003eu0026#149; Contents excess appliesu003cbru003eu0026#149; Optional
Optional cover for specially listed valuables
u0026#149; Cover for accidental loss/damageu003cbru003eu0026#149; Optional cover for floodu003cbru003eu0026#149; Covered anywhere in Australia, and for up to 30 days in rest of the worldu003cbru003eu0026#149; Contents excess applies
Contents in the open air
u0026#149; Up to 20% sum insured overallu003cbru003eu0026#149; Up to $500 for cash and negotiable instrumentsu003cbru003eu0026#149; Up to $2500 for building materials awaiting installationu003cbru003eu0026#149; Up to $2500 for theft
Temporary accommodation
u0026#149; Up to 12 months or 20% sum insuredu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Covers additional costs for similar temporary accommodation and commercial pet boardingu003cbru003eu0026#149; Up to 7 days or $2000 for emergency accommodation and pet boarding
Debris removal
u0026#149; Up to $5000 overallu003cbru003eu0026#149; Paid on top of sum insured
Emergency storage
u0026#149; Up to 12 months or $5000u003cbru003eu0026#149; Covers moving/storing undamaged contents in commercial storage facility
Keys and locks after break-in
Up to $1500 overall
Motor burnout
Motors up to 10 years
Jewellery
u0026#149; Up to $10000 overallu003cbru003eu0026#149; Up to $1500 per item, set or pairu003cbru003eu0026#149; Optional
Artworks
u0026#149; Up to 20% sum insured overallu003cbru003eu0026#149; Up to $10000 per item
Collections (e.g. stamps, coins)
u0026#149; Up to $15000 overallu003cbru003eu0026#149; Up to $2500 per item
Digital media
Spoiled food
u0026#149; Up to $1500 overallu003cbru003eu0026#149; Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
Visitors' contents
Up to $2500 overall
Pet cover
u0026#149; Up to $1000 overallu003cbru003eu0026#149; Cover for vehicle impact
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, accident involving removal vehicle, fire and theft involving forcible entry to removal vehicle
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