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Bupa Basic

Bupa Basic

Bupa Comprehensive

Bupa Comprehensive

Huddle Basic

Huddle Basic

AHM Basic

AHM Basic

Everyday Insurance Standard

Everyday Insurance Standard

Everyday Insurance Comprehensive

Everyday Insurance Comprehensive

Huddle Comprehensive

Huddle Comprehensive

AHM Comprehensive

AHM Comprehensive

Real Insurance Essential

Real Insurance Essential

GIO Platinum

GIO Platinum

Real Insurance Top

Real Insurance Top

Guild Home Elite

Guild Home Elite

NAB Home and Contents

NAB Home and Contents

National Seniors Home and Contents

National Seniors Home and Contents

Kogan Home and Contents

Kogan Home and Contents

Honey Household

Honey Household

RAA Home and Contents

RAA Home and Contents

Aldi Household

Aldi Household

Great Southern Bank Home and Contents

Great Southern Bank Home and Contents

Hume Bank Home and Contents

Hume Bank Home and Contents

RACQ Household

RACQ Household

Suncorp Classic Advantages

Suncorp Classic Advantages

Guild Home Essential

Guild Home Essential

Suncorp Classic Extras

Suncorp Classic Extras

GIO Classic Extras

GIO Classic Extras

Suncorp Classic

Suncorp Classic

AAMI Complete Replacement Cover

AAMI Complete Replacement Cover

AAMI Home and Contents

AAMI Home and Contents

Bank of Melbourne Home and Contents

Bank of Melbourne Home and Contents

BankSA Home and Contents

BankSA Home and Contents

RAC Building, Contents And Personal Valuables

RAC Building, Contents And Personal Valuables

St.George Home

St.George Home

Westpac Home

Westpac Home

Sure Home & Contents

Sure Home & Contents

Apia Home and Contents

Apia Home and Contents

Allianz Home and Contents

Allianz Home and Contents

RACT Home and Contents

RACT Home and Contents

GIO Classic

GIO Classic

TIO Territory Home

TIO Territory Home

QBE Home

QBE Home

Apia Home and Contents Extra

Apia Home and Contents Extra

NRMA Home Buildings and Contents Plus

NRMA Home Buildings and Contents Plus

ANZ Home Buildings and Contents Plus

ANZ Home Buildings and Contents Plus

The Mutual Bank Home Buildings and Contents Plus

The Mutual Bank Home Buildings and Contents Plus

The Capricornian Home Buildings and Contents Plus

The Capricornian Home Buildings and Contents Plus

P&N Bank Home Buildings and Contents Plus

P&N Bank Home Buildings and Contents Plus

QBANK Home Buildings and Contents Plus

QBANK Home Buildings and Contents Plus

Queensland Country Bank Home Buildings and Contents Plus

Queensland Country Bank Home Buildings and Contents Plus

Summerland Bank Home Buildings and Contents Plus

Summerland Bank Home Buildings and Contents Plus

People First Bank Home Buildings and Contents Plus

People First Bank Home Buildings and Contents Plus

AANT Home Buildings and Contents Plus

AANT Home Buildings and Contents Plus

Bendigo Bank Home Buildings and Contents Plus

Bendigo Bank Home Buildings and Contents Plus

Australian Military Bank Home Buildings and Contents Plus

Australian Military Bank Home Buildings and Contents Plus

Bank First Home Buildings and Contents Plus

Bank First Home Buildings and Contents Plus

Bank of us Home Buildings and Contents Plus

Bank of us Home Buildings and Contents Plus

BCU Bank Home Buildings and Contents Plus

BCU Bank Home Buildings and Contents Plus

Coastline Bank Home Buildings and Contents Plus

Coastline Bank Home Buildings and Contents Plus

Defence Bank Home Buildings and Contents Plus

Defence Bank Home Buildings and Contents Plus

Horizon Bank Home Buildings and Contents Plus

Horizon Bank Home Buildings and Contents Plus

MOVE Bank Home Buildings and Contents Plus

MOVE Bank Home Buildings and Contents Plus

MyState Bank Home Buildings and Contents Plus

MyState Bank Home Buildings and Contents Plus

Australian Seniors Essential

Australian Seniors Essential

Australian Seniors Top

Australian Seniors Top

Virgin Money Home and Contents

Virgin Money Home and Contents

ING Home and Contents

ING Home and Contents

Budget Direct Home and Contents

Budget Direct Home and Contents

Qantas Home and Contents

Qantas Home and Contents

HCF Home and Contents

HCF Home and Contents

Coles Home and Contents

Coles Home and Contents

COTA Home and Contents

COTA Home and Contents

Over Fifty Home and Contents

Over Fifty Home and Contents

Ozicare Home and Contents

Ozicare Home and Contents

Youi Building And Contents

Youi Building And Contents

BOQ Household

BOQ Household

Bank Australia Household

Bank Australia Household

CBA Building and Contents Cover Plus

CBA Building and Contents Cover Plus

CBA Building and Contents Cover Classic

CBA Building and Contents Cover Classic

Bupa Ultimate

Bupa Ultimate

Huddle Black

Huddle Black

RACV Home Buildings and Contents

RACV Home Buildings and Contents

NRMA Home Buildings and Contents Standard

NRMA Home Buildings and Contents Standard

People First Bank Home Buildings and Contents Standard

People First Bank Home Buildings and Contents Standard

AANT Home Buildings and Contents Standard

AANT Home Buildings and Contents Standard

Australian Military Bank Home Buildings and Contents Standard

Australian Military Bank Home Buildings and Contents Standard

Bendigo Bank Home Buildings and Contents Standard

Bendigo Bank Home Buildings and Contents Standard

MyState Bank Home Buildings and Contents Standard

MyState Bank Home Buildings and Contents Standard

MOVE Bank Home Buildings and Contents Standard

MOVE Bank Home Buildings and Contents Standard

Horizon Bank Home Buildings and Contents Standard

Horizon Bank Home Buildings and Contents Standard

Defence Bank Home Buildings and Contents Standard

Defence Bank Home Buildings and Contents Standard

Coastline Bank Home Buildings and Contents Standard

Coastline Bank Home Buildings and Contents Standard

BCU Bank Home Buildings and Contents Standard

BCU Bank Home Buildings and Contents Standard

Bank of us Home Buildings and Contents Standard

Bank of us Home Buildings and Contents Standard

Bank First Home Buildings and Contents Standard

Bank First Home Buildings and Contents Standard

Summerland Bank Home Buildings and Contents Standard

Summerland Bank Home Buildings and Contents Standard

Queensland Country Bank Home Buildings and Contents Standard

Queensland Country Bank Home Buildings and Contents Standard

QBANK Home Buildings and Contents Standard

QBANK Home Buildings and Contents Standard

P&N Bank Home Buildings and Contents Standard

P&N Bank Home Buildings and Contents Standard

The Capricornian Home Buildings and Contents Standard

The Capricornian Home Buildings and Contents Standard

The Mutual Bank Home Buildings and Contents Standard

The Mutual Bank Home Buildings and Contents Standard

Description

Insurer
Bupa
Bupa
Huddle
AHM
Everyday Insurance
Everyday Insurance
Huddle
AHM
Real Insurance
GIO
Real Insurance
Guild
NAB
National Seniors
Kogan
Honey
RAA
Aldi
Great Southern Bank
Hume Bank
RACQ
Suncorp
Guild
Suncorp
GIO
Suncorp
AAMI
AAMI
Bank of Melbourne
BankSA
RAC
St.George
Westpac
Sure
Apia
Allianz
RACT
GIO
TIO
QBE
Apia
NRMA
ANZ
The Mutual Bank
The Capricornian
P&N Bank
QBANK
Queensland Country Bank
Summerland Bank
People First Bank
AANT
Bendigo Bank
Australian Military Bank
Bank First
Bank of us
BCU Bank
Coastline Bank
Defence Bank
Horizon Bank
MOVE Bank
MyState Bank
Australian Seniors
Australian Seniors
Virgin Money
ING
Budget Direct
Qantas
HCF
Coles
COTA
Over Fifty
Ozicare
Youi
BOQ
Bank Australia
CBA
CBA
Bupa
Huddle
RACV
NRMA
People First Bank
AANT
Australian Military Bank
Bendigo Bank
MyState Bank
MOVE Bank
Horizon Bank
Defence Bank
Coastline Bank
BCU Bank
Bank of us
Bank First
Summerland Bank
Queensland Country Bank
QBANK
P&N Bank
The Capricornian
The Mutual Bank
Policy
Basic
Comprehensive
Basic
Basic
Standard
Comprehensive
Comprehensive
Comprehensive
Essential
Platinum
Top
Home Elite
Home and Contents
Home and Contents
Home and Contents
Household
Home and Contents
Household
Home and Contents
Home and Contents
Household
Classic Advantages
Home Essential
Classic Extras
Classic Extras
Classic
Complete Replacement Cover
Home and Contents
Home and Contents
Home and Contents
Building, Contents And Personal Valuables
Home
Home
Home & Contents
Home and Contents
Home and Contents
Home and Contents
Classic
Territory Home
Home
Home and Contents Extra
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Home Buildings and Contents Plus
Essential
Top
Home and Contents
Home and Contents
Home and Contents
Home and Contents
Home and Contents
Home and Contents
Home and Contents
Home and Contents
Home and Contents
Building And Contents
Household
Household
Building and Contents Cover Plus
Building and Contents Cover Classic
Ultimate
Black
Home Buildings and Contents
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Home Buildings and Contents Standard
Provider
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
AAI Limited
The Hollard Insurance Company Pty Ltd
Guild Insurance Limited
Allianz Australia Insurance Limited
Allianz Australia Insurance Limited
Allianz Australia Insurance Limited
RACQ Insurance Limited
Allianz South Australia Insurance Limited
RACQ Insurance Limited
Allianz Australia Insurance Limited
Allianz Australia Insurance Limited
RACQ Insurance Limited
AAI Limited
Guild Insurance Limited
AAI Limited
AAI Limited
AAI Limited
AAI Limited
AAI Limited
Allianz Australia Insurance Limited
Allianz Australia Insurance Limited
RAC Insurance Pty Limited
Allianz Australia Insurance Limited
Allianz Australia Insurance Limited
• Liberty Mutual Insurance Company, Australia Branch
• Pacific International Insurance Pty Ltd
• The New India Assurance Co. Ltd
• Chubb Insurance Australia Limited
AAI Limited
Allianz Australia Insurance Limited
RACT Insurance Pty Ltd
AAI Limited
Allianz Australia Insurance Limited
QBE Insurance (Australia) Limited
AAI Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
Auto & General Insurance Company Limited
Auto & General Insurance Company Limited
Auto & General Insurance Company Limited
Auto & General Insurance Company Limited
Allianz Australia Insurance Limited
Auto & General Insurance Company Limited
Allianz Australia Insurance Limited
Allianz Australia Insurance Limited
Auto & General Insurance Company Limited
Youi Pty Ltd
RACQ Insurance Limited
RACQ Insurance Limited
Hollard Insurance Partners Limited
Hollard Insurance Partners Limited
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
Insurance Manufacturers of Australia Pty Ltd
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
About the insurer
Bupa
Bupa
Huddle
AHM
Everyday Insurance
Everyday Insurance
Huddle
AHM
Real Insurance
GIO
Real Insurance
Guild
NAB
National Seniors
Kogan
Honey
RAA
Aldi
Great Southern Bank
Hume Bank
RACQ
Suncorp
Guild
Suncorp
GIO
Suncorp
AAMI
AAMI
Bank of Melbourne
BankSA
RAC
St.George
Westpac
Sure
Apia
Allianz
RACT
GIO
TIO
QBE
Apia
NRMA
ANZ
The Mutual Bank
The Capricornian
P&N Bank
QBANK
Queensland Country Bank
Summerland Bank
People First Bank
AANT
Bendigo Bank
Australian Military Bank
Bank First
Bank of us
BCU Bank
Coastline Bank
Defence Bank
Horizon Bank
MOVE Bank
MyState Bank
Australian Seniors
Australian Seniors
Virgin Money
ING
Budget Direct
Qantas
HCF
Coles
COTA
Over Fifty
Ozicare
Youi
BOQ
Bank Australia
CBA
CBA
Bupa
Huddle
RACV
NRMA
People First Bank
AANT
Australian Military Bank
Bendigo Bank
MyState Bank
MOVE Bank
Horizon Bank
Defence Bank
Coastline Bank
BCU Bank
Bank of us
Bank First
Summerland Bank
Queensland Country Bank
QBANK
P&N Bank
The Capricornian
The Mutual Bank

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Scores

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Customer satisfaction
N/A
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57%
57%
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55%
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86%
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91%
65%
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65%
55%
65%
60%
60%
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78%
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59%
55%
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55%
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59%
61%
67%
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58%
42%
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69%
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67%
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51%
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72%
61%
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Claims satisfaction
N/A
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50%
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88%
66%
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66%
50%
66%
57%
57%
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71%
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65%
52%
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65%
69%
52%
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49%
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65%
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54%
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67%
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Comments

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Cover summary

Building cover
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• 25% underinsurance safety net
• Nominate a sum insured for your building
• 25% underinsurance safety net
• Nominate a sum insured for your building
• 25% underinsurance safety net
• Nominate a sum insured for your building
• 25% underinsurance safety net
• Nominate a sum insured for your building
• 25% underinsurance safety net
• Nominate a sum insured for your building
• 25% underinsurance safety net
• Nominate a sum insured for your building
• 25% underinsurance safety net
• Nominate a sum insured for your building
• 25% underinsurance safety net
Nominate a sum insured for your building
Nominate a sum insured for your building
• Nominate a sum insured for your building
• Optional 25% underinsurance safety net
• Nominate a sum insured for your building
• Optional 25% underinsurance safety net
• Nominate a sum insured for your building
• Optional 25% underinsurance safety net
• Nominate a sum insured for your building
• Optional 25% underinsurance safety net
Nominate a sum insured for your building
• Nominate a sum insured for your building
• Optional 25% underinsurance safety net
Nominate a sum insured for your building
Nominate a sum insured for your building
• Nominate a sum insured for your building
• Optional 25% underinsurance safety net
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
• Nominate a sum insured for your building
• 25% underinsurance safety net
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Nominate a sum insured for your building
Contents cover
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
• Nominate a sum insured for your contents
• 10% underinsurance safety net
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
• Nominate a sum insured for your contents
• Specify a sum insured for each item worth more than $15000
Nominate a sum insured for your contents
Nominate a sum insured for your contents
• Nominate a sum insured for your contents
• 25% underinsurance safety net
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
• Nominate a sum insured for your contents
• Specify a sum insured for each item worth more than $10000
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Nominate a sum insured for your contents
Legal liability
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for anyone living at the insured address
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $30 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents worldwide
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for anyone living at the insured address
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy
• Cover for incidents in Australia
• Up to $30 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $30 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover for incidents in Australia

Cost

Same price to pay monthly
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ACT price comparison
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NSW price comparison
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NT price comparison
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North Queensland price comparison
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South Queensland price comparison
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SA price comparison
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Tasmania price comparison
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Victoria price comparison
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WA price comparison
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Covered events

Theft
• Covers theft and attempted theft
• No cover for theft from unoccupied homes
• No cover for theft by residents or someone at the site with consent of residents
• Up to $2500 for stolen and fraudulently used credit cards
• Covers theft and attempted theft
• No cover for theft from unoccupied homes
• No cover for theft by residents or someone at the site with consent of residents
• Up to $5000 for stolen and fraudulently used credit cards
• Covers theft and attempted theft
• No cover for theft from unoccupied homes
• No cover for theft by residents or someone at the site with consent of residents
• Up to $2500 for stolen and fraudulently used credit cards
• Covers theft and attempted theft
• No cover for theft from unoccupied homes
• No cover for theft by residents or someone at the site with consent of residents
• Up to $2500 for stolen credit card fraud
• Covers theft
• No cover for theft from homes not sufficiently furnished for normal living purposes
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft
• No cover for theft from homes not sufficiently furnished for normal living purposes
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft from unoccupied homes
• No cover for theft by residents or someone at the site with consent of residents
• Up to $5000 for stolen and fraudulently used credit cards
• Covers theft and attempted theft
• No cover for theft from unoccupied homes
• No cover for theft by residents or someone at the site with consent of residents
• Up to $5000 for stolen credit card fraud
• Covers theft
• No cover for theft from homes not sufficiently furnished for normal living purposes
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and burglary
• No cover for theft by residents or someone at site with consent
• Covers theft
• No cover for theft from homes not sufficiently furnished for normal living purposes
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft, attempted theft, burglary and housebreaking
• No cover for theft by someone who lives with you
• Up to $5000 for security firm attendance
• Covers theft, attempted theft, burglary and attempted burglary
• No cover for theft by residents, people employed at the home, people invited into the home or people acting with the insured's consent
• Up to $500 for security firm callout
• Covers theft, attempted theft, burglary and attempted burglary
• No cover for theft by residents, people employed at the home, people invited into the home or people acting with the insured's consent
• Up to $500 for security firm callout
• Covers theft, attempted theft, burglary and attempted burglary
• No cover for theft by residents, people employed at the home, people invited into the home or people acting with the insured's consent
• Up to $500 for security firm callout
• Covers theft and attempted theft
• Covers theft by someone who enters home without insured's consent
• No cover for theft by residents, someone who enters home with resident's consent or someone who enters home with consent of person you told could invite people to home
• Up to $1500 for stolen credit/ATM card fraud (per card)
• Up to $750 for security firm response
• Covers theft, attempted theft and burglary
• No cover for theft from homes being renovated/rebuilt involving interference with roof/external wall
• No cover for theft by guests, residents or someone entering home with consent of resident/guest
• Up to $1000 for stolen credit/ATM card fraud
• Covers theft and attempted theft
• Covers theft by someone who enters home without insured's consent
• No cover for theft by residents, someone who enters home with resident's consent or someone who enters home with consent of person you told could invite people to home
• Up to $1500 for stolen credit/ATM card fraud (per card)
• Up to $750 for security firm response
• Covers theft, attempted theft, burglary and attempted burglary
• No cover for theft by residents, people employed at the home, people invited into the home or people acting with the insured's consent
• Up to $500 for security firm callout
• Covers theft, attempted theft, burglary and attempted burglary
• No cover for theft by residents, people employed at the home, people invited into the home or people acting with the insured's consent
• Up to $500 for security firm callout
• Covers theft and attempted theft
• Covers theft by someone who enters home without insured's consent
• No cover for theft by residents, someone who enters home with resident's consent or someone who enters home with consent of person you told could invite people to home
• Up to $1500 for stolen credit/ATM card fraud (per card)
• Up to $750 for security firm response
• Covers theft and burglary
• No cover for theft by residents or someone at site with consent
• Covers theft, attempted theft, burglary and housebreaking
• No cover for theft by someone who lives with you
• Up to $2500 for security firm attendance
• Covers theft and burglary
• No cover for theft by residents or someone at site with consent
• Covers theft and burglary
• No cover for theft by residents or someone at site with consent
• Covers theft and burglary
• No cover for theft by residents or someone at site with consent
• Covers theft and burglary
• No cover for theft by residents or someone at site with consent
• Covers theft and burglary
• No cover for theft by residents or someone at site with consent
• Covers theft, attempted theft, burglary and attempted burglary
• No cover for theft by residents, people employed at the home, people invited into the home or people acting with the insured's consent
• Up to $500 for security firm callout
• Covers theft, attempted theft, burglary and attempted burglary
• No cover for theft by residents, people employed at the home, people invited into the home or people acting with the insured's consent
• Up to $500 for security firm callout
• Covers theft and attempted theft
• No cover for theft by tenants, residents or people authorised by residents to enter site
• Up to $500 for theft during an open real estate inspection
• Covers theft, attempted theft, burglary and attempted burglary
• No cover for theft by residents, people employed at the home, people invited into the home or people acting with the insured's consent
• Up to $500 for security firm callout
• Covers theft, attempted theft, burglary and attempted burglary
• No cover for theft by residents, people employed at the home, people invited into the home or people acting with the insured's consent
• Up to $500 for security firm callout
• Covers theft, attempted theft, burglary and attempted burglary
• Covers theft by tenants/their guests ($2000 excess)
• No cover for theft by residents or someone at the home with resident's consent
• Up to $1000 for stolen credit/ATM card fraud
• Covers theft and burglary
• No cover for theft by residents or someone at site with consent
• Covers theft, attempted theft, burglary and attempted burglary
• No cover for theft by residents, people employed at the home, people invited into the home or people acting with the insured's consent
• Up to $500 for security firm callout
• Covers theft, attempted theft, burglary and attempted burglary
• No cover for theft by residents or someone who enters site with resident's consent
• Covers theft and burglary
• No cover for theft by residents or someone at site with consent
• Covers theft, attempted theft, burglary and attempted burglary
• No cover for theft by residents, people employed at the home, people invited into the home or people acting with the insured's consent
• Up to $500 for security firm callout
• Covers theft, attempted theft, burglary and attempted burglary
• No cover for theft by the insured or their family; someone with the consent of the insured or their family or someone at site with consent of the insured, their family or or their agent
• Accidental damage option covers cash, coupons, vouchers, gift cards, money orders and negotiable financial documents for burglary when there is forcible entry into the home involving actual or threatened violence to a person or or that causes damage to the buildings
• After burglary with forced entry, up to $500 for additional security measures
• After burglary or attempted burglary, up to $1250 for security firm attendance
• Covers theft and burglary
• No cover for theft when you are selling your belongings online
• No cover for theft by residents, a person authorised to offer your belongings for sale, someone who enters or leaves through an unlockable part of a home that's under construction or someone at site with consent
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft
• No cover for theft from homes not sufficiently furnished for normal living purposes
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft
• No cover for theft from homes not sufficiently furnished for normal living purposes
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents; paying guests; tenants/their visitors or someone entering through part of home under construction, renovation or alteration
• Covers theft and attempted theft
• No cover for theft by residents; paying guests; tenants/their visitors or someone entering through part of home under construction, renovation or alteration
• Covers theft and attempted theft
• No cover for theft by residents; paying guests; tenants/their visitors or someone entering through part of home under construction, renovation or alteration
• Covers theft and attempted theft
• No cover for theft by residents; paying guests; tenants/their visitors or someone entering through part of home under construction, renovation or alteration
• Covers theft, attempted theft, burglary and attempted burglary
• No cover for theft by residents, people employed at the home, people invited into the home or people acting with the insured's consent
• Up to $500 for security firm callout
• Covers theft and attempted theft
• No cover for theft by residents; paying guests; tenants/their visitors or someone entering through part of home under construction, renovation or alteration
• Covers theft, attempted theft, burglary and attempted burglary
• No cover for theft by residents, people employed at the home, people invited into the home or people acting with the insured's consent
• Up to $500 for security firm callout
• Covers theft, attempted theft, burglary and attempted burglary
• No cover for theft by residents, people employed at the home, people invited into the home or people acting with the insured's consent
• Up to $500 for security firm callout
• Covers theft and attempted theft
• No cover for theft by residents; paying guests; tenants/their visitors or someone entering through part of home under construction, renovation or alteration
• Covers theft, attempted theft and burglary
• No cover for theft by deception
• Covers theft by someone carrying out a commercial service
• No cover for theft by residents or someone at the premises with consent
• Covers theft and attempted theft
• Covers theft by someone who enters home without insured's consent
• No cover for theft by residents, someone who enters home with resident's consent or someone who enters home with consent of person you told could invite people to home
• Up to $1500 for stolen credit/ATM card fraud (per card)
• Up to $750 for security firm response
• Covers theft and attempted theft
• Covers theft by someone who enters home without insured's consent
• No cover for theft by residents, someone who enters home with resident's consent or someone who enters home with consent of person you told could invite people to home
• Up to $1500 for stolen credit/ATM card fraud (per card)
• Up to $750 for security firm response
• Covers theft and attempted theft
• No cover for theft if home is not sufficiently furnished for normal residential purposes
• No cover for theft by residents or someone at address with resident's consent
• Covers theft and attempted theft
• No cover for theft if home is not sufficiently furnished for normal residential purposes
• No cover for theft by residents or someone at address with resident's consent
• Covers theft and attempted theft
• No cover for theft from unoccupied homes
• No cover for theft by residents or someone at the site with consent of residents
• Up to $5000 for stolen and fraudulently used credit cards
• Covers theft and attempted theft
• No cover for theft from unoccupied homes
• No cover for theft by residents or someone at the site with consent of residents
• Up to $5000 for stolen and fraudulently used credit cards
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Up to $1000 for stolen credit card fraud
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
• Covers theft and attempted theft
• No cover for theft by residents or someone at the site with consent of residents
Fire
• Covers fire and bushfire
• Up to $500 for fire brigade charges
• 72 hour waiting period for bushfire
• Covers fire, bushfire and application of heat where there is no flame
• Up to $750 for fire brigade charges
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Up to $500 for fire brigade charges
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Up to $500 for fire brigade charges
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• 72 hour waiting period for bushfire
• Covers fire, bushfire and application of heat where there is no flame
• 72 hour waiting period for bushfire
• Covers fire, bushfire and application of heat where there is no flame
• Up to $750 for fire brigade charges
• 72 hour waiting period for bushfire
• Covers fire, bushfire and application of heat where there is no flame
• Up to $750 for fire brigade charges
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• 72 hour waiting period for bushfire
• Covers fire; bushfire; and heat, ash, soot or smoke from fire within 100m of address
• After bushfire, up to $1000 for cleaning fire retardant off building and replacing water contaminated by fire retardant or used to limit spread of fire
• 72 hour waiting period for bushfire
• Covers fire, bushfire and application of heat where there is no flame
• 72 hour waiting period for bushfire
• Covers fire, explosion and lightning
• 48 hour waiting period for bushfire and grassfire
• Covers fire, bushfire, grassfire and smoke
• Accidental damage option covers scorching/melting
• 72 hour waiting period for bushfire and grassfire
• Covers fire, bushfire, grassfire and smoke
• Accidental damage option covers scorching/melting
• 72 hour waiting period for bushfire and grassfire
• Covers fire, bushfire, grassfire and smoke
• Accidental damage option covers scorching/melting
• 72 hour waiting period for bushfire and grassfire
• Covers fire, bushfire, grassfire and smoke/heat from fire within 100m of home
• 72 hour waiting period for bushfire
• Covers fire; bushfire; and smoke, scorching or heat
• 48 hour waiting period for bushfire
• Covers fire, bushfire, grassfire and smoke/heat from fire within 100m of home
• 72 hour waiting period for bushfire
• Covers fire, bushfire, grassfire and smoke
• Accidental damage option covers scorching/melting
• 72 hour waiting period for bushfire and grassfire
• Covers fire, bushfire, grassfire and smoke
• Accidental damage option covers scorching/melting
• 72 hour waiting period for bushfire and grassfire
• Covers fire, bushfire, grassfire and smoke/heat from fire within 100m of home
• 72 hour waiting period for bushfire
• Covers fire; bushfire; and heat, ash, soot or smoke from fire within 100m of address
• After bushfire, up to $1000 for cleaning fire retardant off building and replacing water contaminated by fire retardant or used to limit spread of fire
• 72 hour waiting period for bushfire
• Covers fire, explosion and lightning
• 48 hour waiting period for bushfire and grassfire
• Covers fire; bushfire; and heat, ash, soot or smoke from fire within 100m of address
• After bushfire, up to $1000 for cleaning fire retardant off building and replacing water contaminated by fire retardant or used to limit spread of fire
• 72 hour waiting period for bushfire
• Covers fire; bushfire; and heat, ash, soot or smoke from fire within 100m of address
• After bushfire, up to $1000 for cleaning fire retardant off building and replacing water contaminated by fire retardant or used to limit spread of fire
• 72 hour waiting period for bushfire
• Covers fire; bushfire; and heat, ash, soot or smoke from fire within 100m of address
• After bushfire, up to $1000 for cleaning fire retardant off building and replacing water contaminated by fire retardant or used to limit spread of fire
• 72 hour waiting period for bushfire
• Covers fire; bushfire; and heat, ash, soot or smoke from fire within 100m of address
• After bushfire, up to $1000 for cleaning fire retardant off building and replacing water contaminated by fire retardant or used to limit spread of fire
• 72 hour waiting period for bushfire
• Covers fire; bushfire; and heat, ash, soot or smoke from fire within 100m of address
• After bushfire, up to $1000 for cleaning fire retardant off building and replacing water contaminated by fire retardant or used to limit spread of fire
• 72 hour waiting period for bushfire
• Covers fire, bushfire, grassfire and smoke
• Accidental damage option covers scorching/melting
• 72 hour waiting period for bushfire and grassfire
• Covers fire, bushfire, grassfire and smoke
• Accidental damage option covers scorching/melting
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• 48 hour waiting period for bushfire
• Covers fire, bushfire, grassfire and smoke
• Accidental damage option covers scorching/melting
• 72 hour waiting period for bushfire and grassfire
• Covers fire, bushfire, grassfire and smoke
• Accidental damage option covers scorching/melting
• 72 hour waiting period for bushfire and grassfire
• Covers fire and bushfire
• Covers fire retardant clean-up and costs incurred extinguishing fire
• 72 hour waiting period for bushfire
• Covers fire; bushfire; and heat, ash, soot or smoke from fire within 100m of address
• After bushfire, up to $1000 for cleaning fire retardant off building and replacing water contaminated by fire retardant or used to limit spread of fire
• 72 hour waiting period for bushfire
• Covers fire, bushfire, grassfire, smoke, ash and soot
• Accidental damage option covers melting and scorching
• 72 hour waiting period for bushfire and grassfire
• Covers fire; bushfire; and soot, smoke, heat or ash from fire within 100m of home
• Accidental damage option covers scorching where there is no flame
• 72 hour waiting period for bushfire
• Covers fire; bushfire; and heat, ash, soot or smoke from fire within 100m of address
• After bushfire, up to $1000 for cleaning fire retardant off building and replacing water contaminated by fire retardant or used to limit spread of fire
• 72 hour waiting period for bushfire
• Covers fire, bushfire, grassfire and smoke
• Accidental damage option covers scorching/melting
• 72 hour waiting period for bushfire and grassfire
• Covers fire; bushfire; smoke, ash or soot; and charring, melting or scorching
• Accidental damage option covers charring, melting or scorching caused by heat from an item in ordinary use
• Up to $500 for emergency services attendance
• Covers fire; bushfire; and heat, ash, soot or smoke from fire within 100m of address
• After bushfire, up to $1000 for cleaning fire retardant off building and replacing water contaminated by fire retardant or used to limit spread of fire
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Waiting period not disclosed for bushfire
• Covers fire and bushfire
• Waiting period not disclosed for bushfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• 72 hour waiting period for bushfire
• Covers fire, bushfire and application of heat where there is no flame
• 72 hour waiting period for bushfire
• Covers fire; bushfire; grassfire; and heat, ash, soot or smoke from fire within 100m of address
• Accidental damage option covers heat, ash, soot or smoke from fire over 100m from address
• 72 hour waiting period for bushfire and grassfire
• Covers fire; bushfire; grassfire; and heat, ash, soot or smoke from fire within 100m of address
• Accidental damage option covers heat, ash, soot or smoke from fire over 100m from address
• 72 hour waiting period for bushfire and grassfire
• Covers fire; bushfire; grassfire; and heat, ash, soot or smoke from fire within 100m of address
• Accidental damage option covers heat, ash, soot or smoke from fire over 100m from address
• 72 hour waiting period for bushfire and grassfire
• Covers fire; bushfire; grassfire; and heat, ash, soot or smoke from fire within 100m of address
• Accidental damage option covers heat, ash, soot or smoke from fire over 100m from address
• 72 hour waiting period for bushfire and grassfire
• Covers fire, bushfire, grassfire and smoke
• Accidental damage option covers scorching/melting
• 72 hour waiting period for bushfire and grassfire
• Covers fire; bushfire; grassfire; and heat, ash, soot or smoke from fire within 100m of address
• Accidental damage option covers heat, ash, soot or smoke from fire over 100m from address
• 72 hour waiting period for bushfire and grassfire
• Covers fire, bushfire, grassfire and smoke
• Accidental damage option covers scorching/melting
• 72 hour waiting period for bushfire and grassfire
• Covers fire, bushfire, grassfire and smoke
• Accidental damage option covers scorching/melting
• 72 hour waiting period for bushfire and grassfire
• Covers fire; bushfire; grassfire; and heat, ash, soot or smoke from fire within 100m of address
• Accidental damage option covers heat, ash, soot or smoke from fire over 100m from address
• 72 hour waiting period for bushfire and grassfire
• Covers accidental fire; bushfire; soot/smoke from bushfire; soot/smoke from accidental fire within 100m of building; and fire caused by mechanical, electrical or electronic breakdown/failure
• 72 hour waiting period for bushfire
• Covers fire, bushfire, grassfire and smoke/heat from fire within 100m of home
• 72 hour waiting period for bushfire
• Covers fire, bushfire, grassfire and smoke/heat from fire within 100m of home
• 72 hour waiting period for bushfire
• Covers fire, bushfire and explosion
• Accidental damage option covers any process involving the application of heat where there is no flame
• 72 hour waiting period for bushfire
• Covers fire, bushfire and explosion
• Accidental damage option covers any process involving the application of heat where there is no flame
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Up to $750 for fire brigade charges
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Up to $750 for fire brigade charges
• 72 hour waiting period for bushfire
• Covers fire and bushfire
• Waiting period not disclosed for bushfire
• Covers fire and bushfire
• Waiting period not disclosed for bushfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
• Covers fire and bushfire
• Three day waiting period for bushfire and grassfire
Flood
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of flood
• Flood excess: greater of $500 or your basic excess
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• 72 hour waiting period
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of flood
• Flood excess: greater of $500 or your basic excess
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• 72 hour waiting period
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of flood
• Flood excess: greater of $500 or your basic excess
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• 72 hour waiting period
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of flood
• Flood excess: greater of $500 or your basic excess
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• 72 hour waiting period
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of flood
• Flood excess: greater of $500 or your basic excess
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of flood
• Flood excess: greater of $500 or your basic excess
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of flood
• Flood excess: greater of $500 or your basic excess
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• 72 hour waiting period
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of flood
• Flood excess: greater of $500 or your basic excess
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• 72 hour waiting period
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of flood
• Flood excess: greater of $500 or your basic excess
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of flood
• Flood excess: greater of $500 or your basic excess
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covered
• No cover for damage to retaining walls; paths; driveways; tennis court surfaces; paved/concrete outdoor surfaces; inground trees, plants and shrubs; or landscaping features such as fountains, ponds, water features or rockwork
• Covers flood, run-off and flood water combined with run-off or rainwater
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage/expansion of earth or hydrostatic pressure
• No cover for damage to retaining walls; pontoons; jetties; bridges; trees; shrubs; plants planted in the ground; or swimming pool/spa covers, liners or solar domes
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period
• Covers flood, run-off and flood water combined with run-off or rainwater
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage/expansion of earth or hydrostatic pressure
• No cover for damage to retaining walls; pontoons; jetties; bridges; trees; shrubs; plants planted in the ground; or swimming pool/spa covers, liners or solar domes
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period
• Covers flood, run-off and flood water combined with run-off or rainwater
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage/expansion of earth or hydrostatic pressure
• No cover for damage to retaining walls; pontoons; jetties; bridges; trees; shrubs; plants planted in the ground; or swimming pool/spa covers, liners or solar domes
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period
• Covers flood and water runoff
• Covers landslide and subsidence but must be solely caused by and occur within 72 hours of first flood or water runoff damage
• No cover for damage caused by water absorbed through floors/walls, rising damp, hydrostatic pressure building up behind/below any part of home, power surge, erosion, vibration, earth shrinkage or expansion or any earth movement
• No cover for damage to lawns, grass, swimming pools, spas, pool/spa covers and liners, shade/sail cloths or fabric awnings
• No cover for replacing water in swimming pools/spas
• 72 hour waiting period for flood and water runoff
• Covers flood, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement
• No cover for damage caused by underground (hydrostatic) water, deliberate/malicious damage or destruction of a reservoir or dam
• No cover for damage to wharves, jetties, pontoons, sea walls, swimming pools, spas, pool/spa covers or liners, glasshouses, greenhouses or unsealed paths/driveways
• Up to 10% building sum insured for gates, paths, paving, fences, driveways, garden borders and freestanding and retaining walls
• No cover for water in tanks, swimming pools or spas
• Paths, driveways, garden borders, paving, freestanding or retaining walls, gates or fences not covered if not structurally sound and reasonably maintained
• Damage to paint not covered when flood does not cause structural damage to other parts of home
• 72 hour waiting period
• Covers flood and water runoff
• Covers landslide and subsidence but must be solely caused by and occur within 72 hours of first flood or water runoff damage
• No cover for damage caused by water absorbed through floors/walls, rising damp, hydrostatic pressure building up behind/below any part of home, power surge, erosion, vibration, earth shrinkage or expansion or any earth movement
• No cover for damage to lawns, grass, swimming pools, spas, pool/spa covers and liners, shade/sail cloths or fabric awnings
• No cover for replacing water in swimming pools/spas
• 72 hour waiting period for flood and water runoff
• Covers flood, run-off and flood water combined with run-off or rainwater
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage/expansion of earth or hydrostatic pressure
• No cover for damage to retaining walls; pontoons; jetties; bridges; trees; shrubs; plants planted in the ground; or swimming pool/spa covers, liners or solar domes
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period
• Covers flood, run-off and flood water combined with run-off or rainwater
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage/expansion of earth or hydrostatic pressure
• No cover for damage to retaining walls; pontoons; jetties; bridges; trees; shrubs; plants planted in the ground; or swimming pool/spa covers, liners or solar domes
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period
• Covers flood and water runoff
• Covers landslide and subsidence but must be solely caused by and occur within 72 hours of first flood or water runoff damage
• No cover for damage caused by water absorbed through floors/walls, rising damp, hydrostatic pressure building up behind/below any part of home, power surge, erosion, vibration, earth shrinkage or expansion or any earth movement
• No cover for damage to lawns, grass, swimming pools, spas, pool/spa covers and liners, shade/sail cloths or fabric awnings
• No cover for replacing water in swimming pools/spas
• 72 hour waiting period for flood and water runoff
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covered
• No cover for damage to retaining walls; paths; driveways; tennis court surfaces; paved/concrete outdoor surfaces; inground trees, plants and shrubs; or landscaping features such as fountains, ponds, water features or rockwork
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covers flood and flood water combined with run-off or rainwater
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage/expansion of earth or hydrostatic pressure
• No cover for damage to retaining walls; pontoons; jetties; bridges; trees; shrubs; plants planted in the ground; or swimming pool/spa covers, liners or solar domes
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period
• Covers flood and flood water combined with run-off or rainwater
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage/expansion of earth or hydrostatic pressure
• No cover for damage to retaining walls; pontoons; jetties; bridges; trees; shrubs; plants planted in the ground; or swimming pool/spa covers, liners or solar domes
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period
• Covered
• 48 hour waiting period
• Covers flood and flood water combined with run-off or rainwater
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage/expansion of earth or hydrostatic pressure
• No cover for damage to retaining walls; pontoons; jetties; bridges; trees; shrubs; plants planted in the ground; or swimming pool/spa covers, liners or solar domes
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period
• Covers flood and flood water combined with run-off or rainwater
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage/expansion of earth or hydrostatic pressure
• No cover for damage to retaining walls; pontoons; jetties; bridges; trees; shrubs; plants planted in the ground; or swimming pool/spa covers, liners or solar domes
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period
• Covers flood and water runoff
• No cover for damage caused by underground (hydrostatic) water pressure or deliberate/malicious damage to or destruction of reservoir/dam
• No cover for damage to sea walls, sporting surfaces/courts, unsealed paths or driveways constructed from gravel or other loose material
• Up to 10% building sum insured for paths, paving, gardens, driveways and freestanding/retaining walls
• Paths, driveways, gardens, paving, freestanding/retaining walls, gates and fences not covered unless structurally sound and in good condition
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covers flood, run-off and flood water combined with run-off or rainwater
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage or expansion of earth
• No cover for retaining walls, pontoons, jetties or bridges
• No cover for trees, shrubs and plants planted in the ground
• No cover for swimming pool and spa covers, liners or solar domes
• No cover for cleaning mud from or replacing water in tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period
• Covered
• Covers rising damp, seepage of water from ground, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement, but must be caused by and occur within 72 hours of flood
• No cover for damage to gardens or garden borders; outbuildings inadequately secured to foundations; or loose/compacted materials on roads, pathways, paths, etc
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covers flood, run-off and flood water combined with run-off or rainwater
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage/expansion of earth or hydrostatic pressure
• No cover for damage to retaining walls; pontoons; jetties; bridges; trees; shrubs; plants planted in the ground; or swimming pool/spa covers, liners or solar domes
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period
• Covered
• Accidental damage option covers power surge and interruption to power supply
• Covers landslide and subsidence but must occur within 72 hours of flood
• No cover for damage to retaining walls; or swimming pool/spa covers, solar covers or plastic liners
• No cover for damage caused by hydrostatic pressure to swimming pools or spas
• Up to $8000 for contents in the open air
• Damage to gates and fences not covered if in poor/damaged condition or installed/constructed incorrectly, and you knew or reasonably should have known
• Damage to external paintwork or treated surfaces/finishes not covered if this is the only flood damage
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion; vibration; landslip; mudslide; collapse; shrinkage; earth movement; or water entering the home, if under construction, through openings in unfinished parts
• No cover for damage to retaining walls, sea walls, revetments, garden borders, free-standing outdoor walls, sporting surfaces or courts, boat jetties, pontoons or mooring poles and attachments or accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only flood damage
• 72 hour waiting period
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• Waiting period length not disclosed in PDS
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• Waiting period length not disclosed in PDS
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of flood
• Flood excess: greater of $500 or your basic excess
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of flood
• Flood excess: greater of $500 or your basic excess
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Optional
• 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/spas
• No cover for water in swimming pools/spas
• Fences and gates not covered unless in good condition
• 72 hour waiting period
• Optional
• 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/spas
• No cover for water in swimming pools/spas
• Fences and gates not covered unless in good condition
• 72 hour waiting period
• Optional
• 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/spas
• No cover for water in swimming pools/spas
• Fences and gates not covered unless in good condition
• 72 hour waiting period
• Optional
• 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/spas
• No cover for water in swimming pools/spas
• Fences and gates not covered unless in good condition
• 72 hour waiting period
• Covers flood, run-off and flood water combined with run-off or rainwater
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage/expansion of earth or hydrostatic pressure
• No cover for damage to retaining walls; pontoons; jetties; bridges; trees; shrubs; plants planted in the ground; or swimming pool/spa covers, liners or solar domes
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period
• Optional
• 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/spas
• No cover for water in swimming pools/spas
• Fences and gates not covered unless in good condition
• 72 hour waiting period
• Covers flood, run-off and flood water combined with run-off or rainwater
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage/expansion of earth or hydrostatic pressure
• No cover for damage to retaining walls; pontoons; jetties; bridges; trees; shrubs; plants planted in the ground; or swimming pool/spa covers, liners or solar domes
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period
• Covers flood, run-off and flood water combined with run-off or rainwater
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by shrinkage/expansion of earth or hydrostatic pressure
• No cover for damage to retaining walls; pontoons; jetties; bridges; trees; shrubs; plants planted in the ground; or swimming pool/spa covers, liners or solar domes
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period
• Optional
• 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/spas
• No cover for water in swimming pools/spas
• Fences and gates not covered unless in good condition
• 72 hour waiting period
• Covered
• Covers landslip and subsidence but must occur within 72 hours of flood
• No cover for damage caused by rising damp; seepage; or landslip, subsidence or erosion over time
• No cover for damage to retaining walls, jetties or pontoons
• No cover for damage caused by water leaking down the sides or against the sides or underneath to in-ground structures
• 72 hour waiting period
• Covers flood and water runoff
• Covers landslide and subsidence but must be solely caused by and occur within 72 hours of first flood or water runoff damage
• No cover for damage caused by water absorbed through floors/walls, rising damp, hydrostatic pressure building up behind/below any part of home, power surge, erosion, vibration, earth shrinkage or expansion or any earth movement
• No cover for damage to lawns, grass, swimming pools, spas, pool/spa covers and liners, shade/sail cloths or fabric awnings
• No cover for replacing water in swimming pools/spas
• 72 hour waiting period for flood and water runoff
• Covers flood and water runoff
• Covers landslide and subsidence but must be solely caused by and occur within 72 hours of first flood or water runoff damage
• No cover for damage caused by water absorbed through floors/walls, rising damp, hydrostatic pressure building up behind/below any part of home, power surge, erosion, vibration, earth shrinkage or expansion or any earth movement
• No cover for damage to lawns, grass, swimming pools, spas, pool/spa covers and liners, shade/sail cloths or fabric awnings
• No cover for replacing water in swimming pools/spas
• 72 hour waiting period for flood and water runoff
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage or expansion, but must occur within 168 hours of flood
• Flood excess: greater of $500 or your basic excess
• No cover for damage caused by hydrostatic pressure, hydrodynamic pressure, water that has seeped or percolated into your building, gradual deterioration or wear and tear
• No cover for cracking of paths, driveways or outdoor surfaces
• No cover for damage to external paintwork, if that is the only damage to that part of the building
• Covers external shade cloths and sails up to 5 years old
• No cover for plants, trees, lawns or artificial grass
• No cover for swimming pool or spa covers, or vinyl swimming pool liners
• No cover for retaining or freestanding outdoor walls
• No cover for fences and gates that are not structurally sound or well-maintained
• No cover for loose or compacted surfaces of paths and driveways
• No cover for sporting surfaces or courts
• 72 hour waiting period
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage or expansion, but must occur within 168 hours of flood
• Flood excess: greater of $500 or your basic excess
• No cover for damage caused by hydrostatic pressure, hydrodynamic pressure, water that has seeped or percolated into your building, gradual deterioration or wear and tear
• No cover for cracking of paths, driveways or outdoor surfaces
• No cover for damage to external paintwork, if that is the only damage to that part of the building
• Covers external shade cloths and sails up to 5 years old
• No cover for plants, trees, lawns or artificial grass
• No cover for swimming pool or spa covers, or vinyl swimming pool liners
• No cover for retaining or freestanding outdoor walls
• No cover for fences and gates that are not structurally sound or well-maintained
• No cover for loose or compacted surfaces of paths and driveways
• No cover for sporting surfaces or courts
• 72 hour waiting period
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of flood
• Flood excess: greater of $500 or your basic excess
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• 72 hour waiting period
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of flood
• Flood excess: greater of $500 or your basic excess
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• 72 hour waiting period
• Covered (high-risk properties can opt out)
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood
• No cover for damage to retaining walls, pontoons, jetties, bridges or gravel driveways
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• Opting out of cover also removes cover for rainwater run-off and storm surge
• Waiting period length not disclosed in PDS
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• Waiting period length not disclosed in PDS
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
• Covers flood and rainwater run-off
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-off
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 14 day waiting period for flood
• Three day waiting period for rainwater run-off
Storm and cyclone
• Covers storm, cyclone, tornado, lightning, hail and snow
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of storm
• No cover for damage caused by water seeping/percolating into building
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for cracking to any outdoor surfaces or gradual deterioration due to rainwater
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covers storm, cyclone, tornado, lightning, hail and snow
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of storm
• No cover for damage caused by water seeping/percolating into building
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for cracking to any outdoor surfaces or gradual deterioration due to rainwater
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covers storm, cyclone, tornado, lightning, hail and snow
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of storm
• No cover for damage caused by water seeping/percolating into building
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for cracking to any outdoor surfaces or gradual deterioration due to rainwater
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covers storm, cyclone, tornado, lightning, hail and snow
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of storm
• No cover for damage caused by water seeping/percolating into building
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for cracking to any outdoor surfaces or gradual deterioration due to rainwater
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covers storm, cyclone, tornado, lightning, hail and snow
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of storm
• No cover for damage caused by water seeping/percolating into building
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for cracking to any outdoor surfaces or gradual deterioration due to rainwater
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covers storm, cyclone, tornado, lightning, hail and snow
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of storm
• No cover for damage caused by water seeping/percolating into building
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for cracking to any outdoor surfaces or gradual deterioration due to rainwater
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covers storm, cyclone, tornado, lightning, hail and snow
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of storm
• No cover for damage caused by water seeping/percolating into building
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for cracking to any outdoor surfaces or gradual deterioration due to rainwater
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covers storm, cyclone, tornado, lightning, hail and snow
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of storm
• No cover for damage caused by water seeping/percolating into building
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for cracking to any outdoor surfaces or gradual deterioration due to rainwater
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covers storm, cyclone, tornado, lightning, hail and snow
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of storm
• No cover for damage caused by water seeping/percolating into building
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for cracking to any outdoor surfaces or gradual deterioration due to rainwater
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covers storm, cyclone, tornado, lightning, hail and snow
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of storm
• No cover for damage caused by water seeping/percolating into building
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for cracking to any outdoor surfaces or gradual deterioration due to rainwater
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covers storm, hail and rainwater
• Covers erosion, landslide and subsidence, but must occur as a result of and within 72 hours of storm, hail or rainwater
• No cover for damage to retaining walls; paths; driveways; tennis court surfaces; paved/concrete outdoor surfaces; inground trees, plants and shrubs; or landscaping features such as fountains, ponds, water features or rockwork
• External paintwork not covered if this is the only damage sustained to that part of the home
• 48 hour waiting period for named cyclone
• Covers storm, cyclone and rainwater
• Accidental damage option covers rainwater, run-off, hail, wind or water entering building through opening not made by the storm
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure
• No cover for damage to trees, shrubs and plants in ground; retaining walls; or swimming pool/spa covers, liners and solar domes
• No cover for damage caused by rainwater to external paintwork or other exterior coatings
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period for cyclone
• Covers storm, cyclone and rainwater
• Accidental damage option covers rainwater, run-off, hail, wind or water entering building through opening not made by the storm
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure
• No cover for damage to trees, shrubs and plants in ground; retaining walls; or swimming pool/spa covers, liners and solar domes
• No cover for damage caused by rainwater to external paintwork or other exterior coatings
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period for cyclone
• Covers storm, cyclone and rainwater
• Accidental damage option covers rainwater, run-off, hail, wind or water entering building through opening not made by the storm
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure
• No cover for damage to trees, shrubs and plants in ground; retaining walls; or swimming pool/spa covers, liners and solar domes
• No cover for damage caused by rainwater to external paintwork or other exterior coatings
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period for cyclone
• Covered
• No cover for damage caused by power surge
• No cover for damage to lawns, grass or free standing walls
• Covers swimming pool/spa covers and liners up to 5 years old
• Up to $500 for swimming pool/spa covers and liners
• Paintwork or coatings not covered if this is the only building damage
• 72 hour waiting period
• Covers storm, rainwater runoff, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement
• No cover for damage caused by rain, hail or wind entering home through open windows, doors or skylights; or underground (hydrostatic) water
• No cover for damage to tennis courts, wharves, jetties, pontoons, swimming pools, spas, pool/spa covers or liners, glasshouses, greenhouses or unsealed paths/driveways
• Up to 10% building sum insured for gates, paths, paving, fences, driveways, garden borders and freestanding and retaining walls
• Gates and fences not covered for wind damage if not structurally sound and reasonably maintained
• Paths, driveways, garden borders, paving, freestanding or retaining walls not covered if not structurally sound and reasonably maintained
• 48 hour waiting period
• Covered
• No cover for damage caused by power surge
• No cover for damage to lawns, grass or free standing walls
• Covers swimming pool/spa covers and liners up to 5 years old
• Up to $500 for swimming pool/spa covers and liners
• Paintwork or coatings not covered if this is the only building damage
• 72 hour waiting period
• Covers storm, cyclone and rainwater
• Accidental damage option covers rainwater, run-off, hail, wind or water entering building through opening not made by the storm
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure
• No cover for damage to trees, shrubs and plants in ground; retaining walls; or swimming pool/spa covers, liners and solar domes
• No cover for damage caused by rainwater to external paintwork or other exterior coatings
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period for cyclone
• Covers storm, cyclone and rainwater
• Accidental damage option covers rainwater, run-off, hail, wind or water entering building through opening not made by the storm
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure
• No cover for damage to trees, shrubs and plants in ground; retaining walls; or swimming pool/spa covers, liners and solar domes
• No cover for damage caused by rainwater to external paintwork or other exterior coatings
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period for cyclone
• Covered
• No cover for damage caused by power surge
• No cover for damage to lawns, grass or free standing walls
• Covers swimming pool/spa covers and liners up to 5 years old
• Up to $500 for swimming pool/spa covers and liners
• Paintwork or coatings not covered if this is the only building damage
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covers storm, hail and rainwater
• Covers erosion, landslide and subsidence, but must occur as a result of and within 72 hours of storm, hail or rainwater
• No cover for damage to retaining walls; paths; driveways; tennis court surfaces; paved/concrete outdoor surfaces; inground trees, plants and shrubs; or landscaping features such as fountains, ponds, water features or rockwork
• External paintwork not covered if this is the only damage sustained to that part of the home
• 48 hour waiting period for named cyclone
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covers storm, cyclone, rainwater and run-off
• Accidental damage option covers rainwater, run-off, hail, wind or water entering building through opening not made by the storm
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure
• No cover for damage to trees, shrubs and plants in ground; retaining walls; or swimming pool/spa covers, liners and solar domes
• No cover for damage caused by rainwater to external paintwork or other exterior coatings
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• 72 hour waiting period for cyclone
• Covers storm, cyclone, rainwater and run-off
• Accidental damage option covers rainwater, run-off, hail, wind or water entering building through opening not made by the storm
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure
• No cover for damage to trees, shrubs and plants in ground; retaining walls; or swimming pool/spa covers, liners and solar domes
• No cover for damage caused by rainwater to external paintwork or other exterior coatings
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• 72 hour waiting period for cyclone
• Covered
• No cover for damage caused by water or wind entering through an open window/door
• Up to 20% contents sum insured for contents in the open air
• Up to $500 for trees, shrubs and landscaping
• Caused by wind to gates, fences, freestanding walls, shade cloths or patio/pergola roof coverings if not maintained in good condition
• 48 hour waiting period
• Covers storm, cyclone, rainwater and run-off
• Accidental damage option covers rainwater, run-off, hail, wind or water entering building through opening not made by the storm
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure
• No cover for damage to trees, shrubs and plants in ground; retaining walls; or swimming pool/spa covers, liners and solar domes
• No cover for damage caused by rainwater to external paintwork or other exterior coatings
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• 72 hour waiting period for cyclone
• Covers storm, cyclone, rainwater and run-off
• Accidental damage option covers rainwater, run-off, hail, wind or water entering building through opening not made by the storm
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure
• No cover for damage to trees, shrubs and plants in ground; retaining walls; or swimming pool/spa covers, liners and solar domes
• No cover for damage caused by rainwater to external paintwork or other exterior coatings
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• 72 hour waiting period for cyclone
• Covers storm, cyclone and water runoff
• Covers landslide and subsidence but must occur within 72 hours and as a direct result of storm
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage, earth movement or underground (hydrostatic) water pressure
• No cover for damage to sea walls, sporting surfaces/courts, unsealed paths or driveways constructed from gravel or other loose material
• Up to 10% building sum insured for paths, paving, gardens, driveways and freestanding/retaining walls
• Paths, driveways, gardens, paving, freestanding/retaining walls, gates and fences not covered unless structurally sound and in good condition
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covers storm, cyclone, rainwater and run-off
• Accidental damage option covers rainwater, hail, wind or water that enters your building through an open door, window or other opening (except openings made by the storm)
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure; or rainwater, hail, wind or water that enters your building due to gradual deterioration, wear and tear, and where you could be reasonably expected to have been aware of the deterioration or wear and tear
• No cover for coatings and paintwork for rainwater damage
• No cover for spas, tanks, trees, walls, covers, liners, plants, shrubs, solar domes and swimming pools
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period for cyclone
• Covered
• Covers rising damp, seepage of water from ground, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement, but must be caused by and occur within 72 hours of storm
• No cover for damage to gardens or garden borders; outbuildings inadequately secured to foundations; or loose/compacted materials on roads, pathways, paths, etc
• Storm must be accompanied by heavy rain, strong winds, lightning, snow or hail
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cracking of sealed paths, roads or driveways
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covers storm, cyclone, rainwater and run-off
• Accidental damage option covers rainwater, run-off, hail, wind or water entering building through opening not made by the storm
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure
• No cover for damage to trees, shrubs and plants in ground; retaining walls; or swimming pool/spa covers, liners and solar domes
• No cover for damage caused by rainwater to external paintwork or other exterior coatings
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period for cyclone
• Covers storm, rain and hail
• Accidental damage option covers power surge and interruption to power supply
• Covers landslide and subsidence but must occur within 72 hours of storm, rain or hail
• No cover for damage to retaining walls; or swimming pool/spa covers, solar covers or plastic liners
• No cover for damage caused by hydrostatic pressure to swimming pools or spas
• Up to $8000 for contents in the open air
• Damage to gates and fences not covered if in poor/damaged condition or installed/constructed incorrectly, and you knew or reasonably should have known
• Damage to external paintwork or treated surfaces/finishes not covered if this is the only flood damage
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by erosion; vibration; landslip; mudslide; collapse; shrinkage; earth movement; or water entering the home, if under construction, through openings in unfinished parts
• No cover for damage to retaining walls, sea walls, revetments, garden borders, free-standing outdoor walls, sporting surfaces or courts, boat jetties, pontoons or mooring poles and attachments or accessories
• No cover for cracking of sealed paths, roads or driveways; or power surge
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm damage
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• Waiting period length not disclosed in PDS
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• Waiting period length not disclosed in PDS
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covers storm, cyclone, tornado, lightning, hail and snow
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of storm
• No cover for damage caused by water seeping/percolating into building
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for cracking to any outdoor surfaces or gradual deterioration due to rainwater
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covers storm, cyclone, tornado, lightning, hail and snow
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of storm
• No cover for damage caused by water seeping/percolating into building
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for cracking to any outdoor surfaces or gradual deterioration due to rainwater
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covers storm; rainwater; escape of rainwater from water pipes, drains or gutters; and wind caused by storms/heavy rain
• Covers earth movement but must occur as a result of and within 72 hours of storm/heavy rain
• Covers surface run-off rainwater from surrounding areas but must occur within 24 hours of storm/heavy rain
• No cover for due to an opening not created by an insured event caused by dust, hail, rain, snow or wind
• 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 surfaces
• No cover for water in swimming pools/spas
• Fences and gates not covered unless in good condition
• 72 hour waiting period for storm (including cyclone)
• Covers storm; rainwater; escape of rainwater from water pipes, drains or gutters; and wind caused by storms/heavy rain
• Covers earth movement but must occur as a result of and within 72 hours of storm/heavy rain
• Covers surface run-off rainwater from surrounding areas but must occur within 24 hours of storm/heavy rain
• No cover for due to an opening not created by an insured event caused by dust, hail, rain, snow or wind
• 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 surfaces
• No cover for water in swimming pools/spas
• Fences and gates not covered unless in good condition
• 72 hour waiting period for storm (including cyclone)
• Covers storm; rainwater; escape of rainwater from water pipes, drains or gutters; and wind caused by storms/heavy rain
• Covers earth movement but must occur as a result of and within 72 hours of storm/heavy rain
• Covers surface run-off rainwater from surrounding areas but must occur within 24 hours of storm/heavy rain
• No cover for due to an opening not created by an insured event caused by dust, hail, rain, snow or wind
• 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 surfaces
• No cover for water in swimming pools/spas
• Fences and gates not covered unless in good condition
• 72 hour waiting period for storm (including cyclone)
• Covers storm; rainwater; escape of rainwater from water pipes, drains or gutters; and wind caused by storms/heavy rain
• Covers earth movement but must occur as a result of and within 72 hours of storm/heavy rain
• Covers surface run-off rainwater from surrounding areas but must occur within 24 hours of storm/heavy rain
• No cover for due to an opening not created by an insured event caused by dust, hail, rain, snow or wind
• 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 surfaces
• No cover for water in swimming pools/spas
• Fences and gates not covered unless in good condition
• 72 hour waiting period for storm (including cyclone)
• Covers storm, cyclone and rainwater
• Accidental damage option covers rainwater, run-off, hail, wind or water entering building through opening not made by the storm
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure
• No cover for damage to trees, shrubs and plants in ground; retaining walls; or swimming pool/spa covers, liners and solar domes
• No cover for damage caused by rainwater to external paintwork or other exterior coatings
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period for cyclone
• Covers storm; rainwater; escape of rainwater from water pipes, drains or gutters; and wind caused by storms/heavy rain
• Covers earth movement but must occur as a result of and within 72 hours of storm/heavy rain
• Covers surface run-off rainwater from surrounding areas but must occur within 24 hours of storm/heavy rain
• No cover for due to an opening not created by an insured event caused by dust, hail, rain, snow or wind
• 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 surfaces
• No cover for water in swimming pools/spas
• Fences and gates not covered unless in good condition
• 72 hour waiting period for storm (including cyclone)
• Covers storm, cyclone and rainwater
• Accidental damage option covers rainwater, run-off, hail, wind or water entering building through opening not made by the storm
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure
• No cover for damage to trees, shrubs and plants in ground; retaining walls; or swimming pool/spa covers, liners and solar domes
• No cover for damage caused by rainwater to external paintwork or other exterior coatings
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period for cyclone
• Covers storm, cyclone and rainwater
• Accidental damage option covers rainwater, run-off, hail, wind or water entering building through opening not made by the storm
• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
• No cover for damage caused by hydrostatic pressure
• No cover for damage to trees, shrubs and plants in ground; retaining walls; or swimming pool/spa covers, liners and solar domes
• No cover for damage caused by rainwater to external paintwork or other exterior coatings
• No cover for cleaning mud/debris out of tanks, swimming pools or spas
• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage
• 72 hour waiting period for cyclone
• Covers storm; rainwater; escape of rainwater from water pipes, drains or gutters; and wind caused by storms/heavy rain
• Covers earth movement but must occur as a result of and within 72 hours of storm/heavy rain
• Covers surface run-off rainwater from surrounding areas but must occur within 24 hours of storm/heavy rain
• No cover for due to an opening not created by an insured event caused by dust, hail, rain, snow or wind
• 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 surfaces
• No cover for water in swimming pools/spas
• Fences and gates not covered unless in good condition
• 72 hour waiting period for storm (including cyclone)
• Covers storm; lightning; wind; hail; snow; storm water overflow from roof gutters, downpipes and the area immediately around premises; and mechanical, electrical or electronic breakdown or failure caused by the storm
• Covers landslip and subsidence but must occur directly because and within 72 hours of storm
• No cover for damage caused by rising damp; seepage; or landslip, subsidence or erosion over time
• No cover for damage to retaining walls, jetties or pontoons
• No cover for damage caused by water leaking down the sides or against the sides or underneath to in-ground structures
• Additional excess applies if you submit claim more than 90 days after storm
• Rain, wind, hail or snow entering building not covered unless through opening created by the storm, or an opening you could not reasonably be aware of
• 72 hour waiting period
• Covered
• No cover for damage caused by power surge
• No cover for damage to lawns, grass or free standing walls
• Covers swimming pool/spa covers and liners up to 5 years old
• Up to $500 for swimming pool/spa covers and liners
• Paintwork or coatings not covered if this is the only building damage
• 72 hour waiting period
• Covered
• No cover for damage caused by power surge
• No cover for damage to lawns, grass or free standing walls
• Covers swimming pool/spa covers and liners up to 5 years old
• Up to $500 for swimming pool/spa covers and liners
• Paintwork or coatings not covered if this is the only building damage
• 72 hour waiting period
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage or expansion, but must occur within 168 hours of storm
• No cover for damage caused by hydrostatic pressure, hydrodynamic pressure, water that has seeped or percolated into your building, gradual deterioration or wear and tear
• No cover for cracking of paths, driveways or outdoor surfaces
• No cover for damage to external paintwork, if that is the only damage to that part of the building
• Covers external shade cloths and sails up to 5 years old
• No cover for plants, trees, lawns or artificial grass
• No cover for swimming pool or spa covers, or vinyl swimming pool liners
• No cover for retaining or freestanding outdoor walls
• No cover for fences and gates that are not structurally sound or well-maintained
• No cover for loose or compacted surfaces of paths and driveways
• No cover for sporting surfaces or courts
• 72 hour waiting period
• Covered
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage or expansion, but must occur within 168 hours of storm
• No cover for damage caused by hydrostatic pressure, hydrodynamic pressure, water that has seeped or percolated into your building, gradual deterioration or wear and tear
• No cover for cracking of paths, driveways or outdoor surfaces
• No cover for damage to external paintwork, if that is the only damage to that part of the building
• Covers external shade cloths and sails up to 5 years old
• No cover for plants, trees, lawns or artificial grass
• No cover for swimming pool or spa covers, or vinyl swimming pool liners
• No cover for retaining or freestanding outdoor walls
• No cover for fences and gates that are not structurally sound or well-maintained
• No cover for loose or compacted surfaces of paths and driveways
• No cover for sporting surfaces or courts
• 72 hour waiting period
• Covers storm, cyclone, tornado, lightning, hail and snow
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of storm
• No cover for damage caused by water seeping/percolating into building
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for cracking to any outdoor surfaces or gradual deterioration due to rainwater
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covers storm, cyclone, tornado, lightning, hail and snow
• Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of storm
• No cover for damage caused by water seeping/percolating into building
• No cover for damage to plants, trees, artificial grass, lawns, swimming pool covers, spa covers, plastic/vinyl swimming pool liners, outdoor walls (retaining or freestanding) or loose surfaces of paths/driveways
• No cover for cracking to any outdoor surfaces or gradual deterioration due to rainwater
• Covers professionally installed external shade cloths/sails up to 5 years old
• No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spas
• Fences and gates not covered unless structurally sound/well maintained
• Damage to external paintwork not covered if this is the only damage to that part of the home
• 72 hour waiting period
• Covers violent wind, cyclone, tornado, rain, thunderstorm, hail, snow and rainwater run-off
• Covers landslide, subsidence, landslide and subsidence, but must occur as a direct result and within 72 hours of storm or rainwater run-off
• No cover for damage caused by storm or rainwater run-off to retaining walls, pontoons, jetties, bridges or gravel driveways
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• Waiting period length for storm and storm not disclosed in PDS
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• Waiting period length not disclosed in PDS
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
Storm surge
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm surge damage
• 72 hour waiting period
• Covered
• No cover for damage caused by water absorbed through floors/walls, rising damp, hydrostatic pressure building up behind/below any part of home or power surge
• No cover for damage to lawns, grass, swimming pools, spas, pool/spa covers and liners, shade/sail cloths or fabric awnings
• No cover for replacing water in swimming pools/spas
• 72 hour waiting period
Covers storm surge, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement
• Covered
• No cover for damage caused by water absorbed through floors/walls, rising damp, hydrostatic pressure building up behind/below any part of home or power surge
• No cover for damage to lawns, grass, swimming pools, spas, pool/spa covers and liners, shade/sail cloths or fabric awnings
• No cover for replacing water in swimming pools/spas
• 72 hour waiting period
• Covered
• No cover for damage caused by water absorbed through floors/walls, rising damp, hydrostatic pressure building up behind/below any part of home or power surge
• No cover for damage to lawns, grass, swimming pools, spas, pool/spa covers and liners, shade/sail cloths or fabric awnings
• No cover for replacing water in swimming pools/spas
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm surge damage
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm surge damage
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm surge damage
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm surge damage
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm surge damage
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm surge damage
• 72 hour waiting period
• Covered
• No cover for damage caused by underground (hydrostatic) water pressure
• No cover for damage to sea walls, sporting surfaces/courts, unsealed paths or driveways constructed from gravel or other loose material
• Up to 10% building sum insured for paths, paving, gardens, driveways and freestanding/retaining walls
• Paths, driveways, gardens, paving, freestanding/retaining walls, gates and fences not covered unless structurally sound and in good condition
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm surge damage
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
• 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/accessories
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm surge damage
• 72 hour waiting period
1
• Covered
• Accidental damage option covers power surge and interruption to power supply
• Covers landslide and subsidence but must occur within 72 hours of storm surge
• No cover for damage to retaining walls; or swimming pool/spa covers, solar covers or plastic liners
• No cover for damage caused by hydrostatic pressure to swimming pools or spas
• Up to $8000 for contents in the open air
• Damage to gates and fences not covered if in poor/damaged condition or installed/constructed incorrectly, and you knew or reasonably should have known
• Damage to external paintwork or treated surfaces/finishes not covered if this is the only flood damage
• Covered
• Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
• No cover for damage caused by erosion; vibration; landslip; mudslide; collapse; shrinkage; earth movement; or water entering the home, if under construction, through openings in unfinished parts
• No cover for damage to retaining walls, sea walls, revetments, garden borders, free-standing outdoor walls, sporting surfaces or courts, boat jetties, pontoons or mooring poles and attachments or accessories
• No cover for cost of cleaning undamaged items
• Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
• Damage to external paintwork not covered if this is the only storm surge damage
• 72 hour waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• No cover for damage caused by water absorbed through floors/walls, rising damp, hydrostatic pressure building up behind/below any part of home or power surge
• No cover for damage to lawns, grass, swimming pools, spas, pool/spa covers and liners, shade/sail cloths or fabric awnings
• No cover for replacing water in swimming pools/spas
• 72 hour waiting period
• Covered
• No cover for damage caused by water absorbed through floors/walls, rising damp, hydrostatic pressure building up behind/below any part of home or power surge
• No cover for damage to lawns, grass, swimming pools, spas, pool/spa covers and liners, shade/sail cloths or fabric awnings
• No cover for replacing water in swimming pools/spas
• 72 hour waiting period
• Covered (high-risk properties can opt out)
• Covers landslide and subsidence but must occur as a direct result of storm surge and within 72 hours
• No cover for damage to retaining walls, pontoons, jetties, bridges or gravel driveways
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• Opting out cancels cover for flood and rainwater run-off
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
• Covered
• Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surge
• No cover for damage to retaining walls, pontoons, jetties, bridges, gravel driveways or pool/spa solar covers or liners
• Covers swimming pool/spa covers up to 5 years old
• Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
• 3 day waiting period
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove trees which have fallen but not damaged the home
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove trees which have fallen but not damaged the home
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove trees which have fallen but not damaged the home
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove trees which have fallen but not damaged the home
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove or lop trees which have fallen but not damaged the home
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove or lop trees which have fallen but not damaged the home
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove trees which have fallen but not damaged the home
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove trees which have fallen but not damaged the home
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove or lop trees which have fallen but not damaged the home
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping trees or branches that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove or lop trees which have fallen but not damaged the home
• Included under accidental damage cover<br>• No cover for damage caused by the action of trees or their roots<br>• No cover for damage caused by trees or branches lopped by you or on your behalf<br>• No cover for damage caused by animals kept at the address<br>• Does not cover removal of fallen trees or branches where no damage to your home has occurred
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by trees or tree branches<br>• Covers damage caused by motor vehicles or watercraft<br>• Covers damage caused by satellite dishes, solar hot water tanks or aerials<br>• Covers damage caused by aircraft; space debris; or debris from a rocket or satellite<br>• No cover for damage caused by tree lopping or felling by a resident or someone with resident's consent<br>• No cover for damage to underground services caused by motor vehicles or watercraft<br>• Does not cover costs to remove and dispose of trees, branches or stump of the tree that caused the impact<br>• Does not cover contents in the open air
• Covers damage caused by falling trees or branches<br>• Covers damage caused by vehicles, caravans or watercraft<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by falling debris from space, aircraft, rockets or satellites<br>• Covers damage to contents caused by ceiling collapse<br>• No cover for damage caused by roots of trees, plants, hedges or shrubs<br>• No cover for damage caused by lopping or felling trees by or at the request of a resident, guest or insured<br>• No cover for damage to paths, paving or underground services caused by road vehicles<br>• Does not cover costs to remove fallen trees or branches that have not caused damage to the building
• Covers damage caused by trees or tree branches<br>• Covers damage caused by motor vehicles or watercraft<br>• Covers damage caused by satellite dishes, solar hot water tanks or aerials<br>• Covers damage caused by aircraft; space debris; or debris from a rocket or satellite<br>• No cover for damage caused by tree lopping or felling by a resident or someone with resident's consent<br>• No cover for damage to underground services caused by motor vehicles or watercraft<br>• Does not cover costs to remove and dispose of trees, branches or stump of the tree that caused the impact<br>• Does not cover contents in the open air
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by trees or tree branches<br>• Covers damage caused by motor vehicles or watercraft<br>• Covers damage caused by satellite dishes, solar hot water tanks or aerials<br>• Covers damage caused by aircraft; space debris; or debris from a rocket or satellite<br>• No cover for damage caused by tree lopping or felling by a resident or someone with resident's consent<br>• No cover for damage to underground services caused by motor vehicles or watercraft<br>• Does not cover costs to remove and dispose of trees, branches or stump of the tree that caused the impact<br>• Does not cover contents in the open air
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping trees or branches that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by vehicles<br>• Covers damage caused by masts<br>• Covers damage caused by aerials<br>• Covers damage caused by animals (except those kept at the address)<br>• Covers damage caused by aircraft, spacecraft, space debris or meteorites<br>• No cover for damage caused by trees or branches lopped by you or on your behalf
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping trees or branches that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping trees or branches that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping trees or branches that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping trees or branches that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping trees or branches that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by vehicles or water-borne craft<br>• Covers damage caused by aerials<br>• Covers damage caused by aircraft; space debris; or debris from an aircraft, rocket or satellite<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at your address<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earth moving equipment<br>• Does not cover removing tree stumps from the ground<br>• Does not cover removing trees that have fallen and not damaged your building<br>• Does not cover commercial aerials, antennas or masts
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers, caravans or watercraft<br>• Covers damage caused by power poles<br>• Covers damage caused by satellite dishes; or television or radio aerials<br>• Covers damage caused by debris falling from the air, space, an aircraft, rocket, satellite or drone<br>• No cover for damage caused by roots of trees, plants, hedges or shrubs<br>• No cover for damage caused by lopping or felling trees<br>• No cover for damage to driveways, garage floors, carport floors, paths, paving or underground services caused by motor vehicles, cranes or earthmoving equipment<br>• No cover for damage to contents caused by ceiling collapse that you should have expected, but took inadequate steps to prevent or avoid
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping trees or branches that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by power poles<br>• Covers damage caused by satellite dishes; antennas; solar panels; rooftop hot water tanks; or items on a roof if it collapses or breaks<br>• Covers damage caused by animals (except pets kept at the home)<br>• Covers damage caused by aircraft; drones; falling objects; space debris; or anything dropped from an aircraft or drone<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address<br>• Does not cover costs to remove trees or branches when there is no damage to buildings or contents<br>• Does not cover costs to remove tree stumps unless required to allow for repairs or rebuilding
• Covers damage caused by falling trees or parts of a tree<br>• Covers damage caused by or arising from the use of a vehicle (including aircraft and water-borne craft)<br>• Covers damage caused by falling power poles or communication poles, towers or lines<br>• Covers damage caused by aerials or satellite dishes<br>• Covers damage caused by animals (unless it is kept at the address)<br>• Covers damage caused by space debris; or debris from an aircraft, rocket or satellite<br>• No cover for damage caused by roots of trees, plants, shrubs or hedges<br>• No cover for damage caused by tree-felling or lopping at the address<br>• No cover for damage to roads, driveways, paths, paving, bridges, causeways or underground services caused by vehicles, cranes or earth moving equipment<br>• Does not cover removal and disposal of fallen trees or branches or other objects unless required to undertake repairs to the home<br>• Does not cover removal and disposal of tree stumps or tree roots that are still in the ground<br>• Does not cover items that cause the impact damage<br>• Does not cover removal and disposal of debris or other objects unless required to undertake repairs to the home
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping trees or branches that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address<br>• Does not cover costs to remove trees or branches when there is no damage to buildings or contents<br>• Does not cover costs to remove tree stumps unless required to allow for repairs or rebuilding
• Covers damage caused by falling trees or branches<br>• Covers damage caused by trains, vehicles, trailers, caravans, watercraft or hovercraft<br>• Covers damage caused by television, radio or satellite aerials (including masts and fittings)<br>• Covers damage caused by aircraft, spacecraft, satellites or space debris<br>• Covers damage caused by any part of, or anything carried by, the items listed above<br>• Covers costs to remove fallen trees or branches that cause the damage<br>• Covers costs to fell and prune or remove trees and parts of trees that cause the damage, if recommended by a qualified professional due to the risk of further impending damage<br>• Covers costs to treat stumps to prevent further growth<br>• No cover for damage caused by tree lopping, pruning or felling done by you or with your consent<br>• No cover for damage caused by wheels, tyres or weight of a vehicle fixtures such as paths, driveways, bridges, culverts, or underground pipes, cables or utilities<br>• Does not cover costs to remove stumps<br>• Does not cover radio, satellite or television aerials or fittings or masts that cause the damage
• Covers damage caused by falling trees or part of a falling tree, including roots<br>• Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft<br>• Covers damage caused by power poles or masts<br>• Covers damage caused by TV antennas, satellite dishes or communication aerials<br>• Covers damage caused by drones, aircraft, space debris or meteorites<br>• Covers power surge caused by the impact<br>• No cover for damage caused by fallen trees or tree parts being carried in or moved by water<br>• No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover removing or lopping trees or branches that haven't damaged the building<br>• Does not cover removing tree stumps still in the ground<br>• Does not cover removing roots still in the ground
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove or lop trees which have fallen but not damaged the home
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove or lop trees which have fallen but not damaged the home
• Covers damage caused by impact from outside the building<br>• Includes damage caused by motor vehicles, falling trees, debris from nearby construction sites, power poles, drones or birds<br>• No cover for damage caused by roots of trees, plants, shrubs or hedges<br>• 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 business<br>• No cover for damage caused by animals or birds kept at the address; or animals or birds pecking, biting, clawing or chewing your property
• Covers damage caused by impact from outside the building<br>• Includes damage caused by motor vehicles, falling trees, debris from nearby construction sites, power poles, drones or birds<br>• No cover for damage caused by roots of trees, plants, shrubs or hedges<br>• 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 business<br>• No cover for damage caused by animals or birds kept at the address; or animals or birds pecking, biting, clawing or chewing your property
• Covers damage caused by impact from outside the building<br>• Includes damage caused by motor vehicles, falling trees, debris from nearby construction sites, power poles, drones or birds<br>• No cover for damage caused by roots of trees, plants, shrubs or hedges<br>• 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 business<br>• No cover for damage caused by animals or birds kept at the address; or animals or birds pecking, biting, clawing or chewing your property
• Covers damage caused by impact from outside the building<br>• Includes damage caused by motor vehicles, falling trees, debris from nearby construction sites, power poles, drones or birds<br>• No cover for damage caused by roots of trees, plants, shrubs or hedges<br>• 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 business<br>• No cover for damage caused by animals or birds kept at the address; or animals or birds pecking, biting, clawing or chewing your property
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by impact from outside the building<br>• Includes damage caused by motor vehicles, falling trees, debris from nearby construction sites, power poles, drones or birds<br>• No cover for damage caused by roots of trees, plants, shrubs or hedges<br>• 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 business<br>• No cover for damage caused by animals or birds kept at the address; or animals or birds pecking, biting, clawing or chewing your property
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by falling trees or parts of trees<br>• Covers damage caused by motor vehicles, trains or watercraft<br>• Covers damage caused by external aerial or satellite dishes collapsing or breaking<br>• Covers damage caused by animals (except pets kept in the home)<br>• Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite<br>• No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
• Covers damage caused by impact from outside the building<br>• Includes damage caused by motor vehicles, falling trees, debris from nearby construction sites, power poles, drones or birds<br>• No cover for damage caused by roots of trees, plants, shrubs or hedges<br>• 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 business<br>• No cover for damage caused by animals or birds kept at the address; or animals or birds pecking, biting, clawing or chewing your property
• Covers damage caused by falling trees or branches<br>• Covers damage caused by vehicles; watercraft; or objects falling from a vehicle, watercraft or aircraft<br>• Covers damage caused by power poles, flagpoles or masts<br>• Covers damage caused by aerials or satellite dishes<br>• Covers damage caused by aircraft, space debris, meteorites or asteroids<br>• Accidental damage option covers damage caused by your actions or those of someone acting with your authority<br>• No cover for damage caused by pruning, transplanting, tree lopping or felling by you or anyone acting on your behalf<br>• No cover for damage to driveways, paths, paving or underground services caused by vehicles, cranes or earthmoving equipment<br>• Does not cover cost of removing or pruning fallen trees or branches that have not damaged the property<br>• Does not cover cost of removing the stump of the tree that caused the impact
• Covers damage caused by trees or tree branches<br>• Covers damage caused by motor vehicles or watercraft<br>• Covers damage caused by satellite dishes, solar hot water tanks or aerials<br>• Covers damage caused by aircraft; space debris; or debris from a rocket or satellite<br>• No cover for damage caused by tree lopping or felling by a resident or someone with resident's consent<br>• No cover for damage to underground services caused by motor vehicles or watercraft<br>• Does not cover costs to remove and dispose of trees, branches or stump of the tree that caused the impact<br>• Does not cover contents in the open air
• Covers damage caused by trees or tree branches<br>• Covers damage caused by motor vehicles or watercraft<br>• Covers damage caused by satellite dishes, solar hot water tanks or aerials<br>• Covers damage caused by aircraft; space debris; or debris from a rocket or satellite<br>• No cover for damage caused by tree lopping or felling by a resident or someone with resident's consent<br>• No cover for damage to underground services caused by motor vehicles or watercraft<br>• Does not cover costs to remove and dispose of trees, branches or stump of the tree that caused the impact<br>• Does not cover contents in the open air
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes, television or radio aerials breaking or collapsing<br>• Covers damage caused by animals<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree felling or lopping at the address<br>• No cover for damage to driveways, paths, paving or underground services caused by vehicles, cranes or earthmoving equipment<br>• No cover for damage caused by animals kept at the address or domestic animals<br>• Does not cover removing or lopping trees which have fallen but not damaged the home<br>• Does not cover removing stumps
• Covers damage caused by falling trees or tree branches<br>• Covers damage caused by vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes, television or radio aerials breaking or collapsing<br>• Covers damage caused by animals<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree felling or lopping at the address<br>• No cover for damage to driveways, paths, paving or underground services caused by vehicles, cranes or earthmoving equipment<br>• No cover for damage caused by animals kept at the address or domestic animals<br>• Does not cover removing or lopping trees which have fallen but not damaged the home<br>• Does not cover removing stumps
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove trees which have fallen but not damaged the home
• Covers damage caused by falling trees or branches<br>• Covers damage caused by motor vehicles, trailers or watercraft<br>• Covers damage caused by power or communication poles<br>• Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing<br>• Covers damage caused by aircraft or debris falling from space<br>• No cover for damage caused by tree roots<br>• No cover for damage caused by tree felling or lopping at the site<br>• No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment<br>• Does not cover costs to remove tree stumps from the ground<br>• Does not cover costs to remove trees which have fallen but not damaged the home
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
• Covers damage caused by trees or branches<br>• Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professional<br>• Covers damage caused by vehicles or watercraft<br>• Covers damage caused by masts or flagpoles<br>• Covers damage caused by external aerials or satellite dishes<br>• Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellites<br>• 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 removed<br>• Does not cover costs to remove stumps<br>• Does not cover costs to cut down or remove tree, if it didn't cause damage
Animal damage
• Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals owned by or cared for or allowed at the address by a resident
• No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
• Covers damage caused by animals not kept at the address
• No cover for damage caused by birds, insects, moths, termites or vermin chewing, clawing, eating or pecking
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers damage caused by animals not kept at the home
• Covers bird damage to door/window glass
• No cover for damage caused by bedbugs, birds, cockroaches, fleas, lice, mice, parasites, pests, rats, termites or pets/other animals kept at the home
• Covers damage caused by animals
• Covers fire caused by birds, insects, mice, rabbits, rats, reptiles, spiders, termites or vermin
• No cover for damage caused by pets at the home with permission or pets owned/kept/cared for by residents or guests
• Covers damage caused by animals not kept at the home
• Covers bird damage to door/window glass
• No cover for damage caused by bedbugs, birds, cockroaches, fleas, lice, mice, parasites, pests, rats, termites or pets/other animals kept at the home
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers damage caused by animals not kept at the home
• Covers bird damage to door/window glass
• No cover for damage caused by bedbugs, birds, cockroaches, fleas, lice, mice, parasites, pests, rats, termites or pets/other animals kept at the home
• Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals owned by or cared for or allowed at the address by a resident
• No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
• Covers impact damage caused by animals not kept at the address
• No cover for damage caused by birds, insects or vermin
• Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals owned by or cared for or allowed at the address by a resident
• No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
• Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals owned by or cared for or allowed at the address by a resident
• No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
• Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals owned by or cared for or allowed at the address by a resident
• No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
• Covers damage caused by animals inside the building that you didn't know about or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals owned by/under care of/allowed on the property by a resident or someone staying at the home
• No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
• Covers damage caused by animals inside the building that you didn't know about or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals owned by/under care of/allowed on the property by a resident or someone staying at the home
• No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers damage caused by animals/birds not kept at site
• No cover for damage to building exterior by animals/birds caused by biting, chewing, clawing, pecking, soiling or tearing
• No cover for damage caused by insects, rodents, termites or vermin
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers damage caused by animals not kept at property
• Covers damage caused by animals that become accidentally trapped inside home biting, chewing, pecking, scratching, tearing or urinating/excreting
• Covers fire and escape of liquid caused by bedbugs, birds, cockroaches, fleas, insects, lice, mice, rabbits, rats, termites or vermin
• No cover for damage caused by pets at property with resident consent or pets owned/kept/cared for by resident
• Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals allowed at the address by a resident or animals you own or are responsible for
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for damage caused by birds, insects or pets kept at the address
• Covers impact damage caused by animals not kept at address
• Covers damage caused by animals/birds accidentally trapped at address biting, chewing, clawing, pecking or urinating/excreting/vomiting
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for impact damage caused by animals belonging to/in care of resident/someone at address with consent of resident
• Up to $5000 for damage caused by trapped animals
• Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals owned by or cared for or allowed at the address by a resident
• No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers damage caused by animals/birds accidentally trapped inside living area
• Covers damage caused by animals/birds colliding with property
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by your pets or animals at property with permission
• No cover for damage to enclosed crawl space, outside of buildings, roof cavity or contents in the open air caused by chewing, clawing, eating, fouling, pecking, scratching, soiling or polluting in any way
• Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the home
• Covers fire and escape of liquid caused by insects, rodents or vermin
• No cover for damage caused by animals allowed at the address by a resident or animals you own or are responsible for
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers impact damage caused by animals/birds not kept at address
• Accidental damage option covers impact damage caused by animals/birds kept at address
• No cover for damage caused by animals/birds biting, chewing, clawing or pecking
• No cover for damage caused by insects, lizards, rodents, termites or vermin
• Covers impact damage caused by animals/birds not kept at address
• Accidental damage option covers impact damage caused by animals/birds kept at address
• No cover for damage caused by animals/birds biting, chewing, clawing or pecking
• No cover for damage caused by insects, lizards, rodents, termites or vermin
• Covers impact damage caused by animals/birds not kept at address
• Accidental damage option covers impact damage caused by animals/birds kept at address
• No cover for damage caused by animals/birds biting, chewing, clawing or pecking
• No cover for damage caused by insects, lizards, rodents, termites or vermin
• Covers impact damage caused by animals/birds not kept at address
• Accidental damage option covers impact damage caused by animals/birds kept at address
• No cover for damage caused by animals/birds biting, chewing, clawing or pecking
• No cover for damage caused by insects, lizards, rodents, termites or vermin
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals/birds not kept at address
• Accidental damage option covers impact damage caused by animals/birds kept at address
• No cover for damage caused by animals/birds biting, chewing, clawing or pecking
• No cover for damage caused by insects, lizards, rodents, termites or vermin
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
• Covers impact damage caused by animals/birds not kept at address
• Accidental damage option covers impact damage caused by animals/birds kept at address
• No cover for damage caused by animals/birds biting, chewing, clawing or pecking
• No cover for damage caused by insects, lizards, rodents, termites or vermin
• Covers damage caused by animals not kept at the premises
• Covers fire caused by amphibians, insects, lizards, pets, rodents, vermin or other animals kept at or allowed onto premises
• Covers damage caused by birds that are accidentally trapped inside building biting, chewing, clawing, pecking, scratching, soiling, tearing or urinating
• Covers damage caused by amphibians, insects, lizards, rodents or vermin escaping water
• Accidental damage option covers damage caused by pets or other animals kept at or allowed onto premises
• No cover for damage caused by any other animal biting, chewing, clawing, pecking, scratching, soiling, tearing or urinating
• Covers damage caused by animals not kept at the home
• Covers bird damage to door/window glass
• No cover for damage caused by bedbugs, birds, cockroaches, fleas, lice, mice, parasites, pests, rats, termites or pets/other animals kept at the home
• Covers damage caused by animals not kept at the home
• Covers bird damage to door/window glass
• No cover for damage caused by bedbugs, birds, cockroaches, fleas, lice, mice, parasites, pests, rats, termites or pets/other animals kept at the home
• Covers impact damage caused by any animals not kept at address
• No cover for damage caused by any animal scratching, chewing, tearing or soiling
• Covers impact damage caused by any animals not kept at address
• No cover for damage caused by any animal scratching, chewing, tearing or soiling
• Covered as accidental damage
• No cover for damage caused by any animal chewing, scratching, soiling or tearing
• No cover for damage caused by birds, vermin, wildlife or insects (including termites)
• Covered as accidental damage
• No cover for damage caused by any animal chewing, scratching, soiling or tearing
• No cover for damage caused by birds, vermin, wildlife or insects (including termites)
• Covers damage caused by animals not kept at site
• Covers fire and water/oil leaks caused by insects or vermin
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
• Covers damage caused by animals not kept at the site
• No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a resident
• No cover for damage caused by birds biting, pecking or scratching
Escape of liquid
Breakage
Accidental damage
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
• No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
• No cover for chipping, denting or scratching caused by normal use
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
• No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
• No cover for chipping, denting or scratching caused by normal use
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
• No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
• No cover for chipping, denting or scratching caused by normal use
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
• No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
• No cover for chipping, denting or scratching caused by normal use
• Covered by default
• Covers accidental loss and damage to home and contents
• Covers bicycles while in use, provided they aren't being used for racing or pace-making
• No cover for boat jetties, pontoons or mooring poles and their attachments and accessories
• No cover for cracking of sealed paths, driveways or roads
• No cover for damage caused by road vehicles, cranes or earthmoving equipment to driveways, paths, paving or underground services
• No cover for damage caused to the home by earthworks or construction undertaken by a neighbour
• No cover for gates or fences that would be considered by a reasonable person to be in an obvious state of disrepair before the loss or damage occurred
• No cover for retaining, sea or free-standing outdoor walls; revetments; garden borders or sporting surfaces or courts
• No cover for shower bases tiled or otherwise
• No cover for sporting, recreational or leisure goods while in use
• No cover for tanks or containers that burst or leak
• No cover for damage caused by failure or shutdown of electricity supply; liquid escaping from agricultural 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 home (except for spilling paint); physical assaults; death; tenants; paying guests; or boarders
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for food spoilage caused by failure or shutdown of electricity supply
• No cover for pollution or vapour caused by home heaters or cooking appliances
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
• No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
• No cover for chipping, denting or scratching caused by normal use
• Covered by default
• Covers accidental loss and damage to home and contents
• Up to $2500 for each item temporarily removed from address
• Up to 20% contents sum insured for contents temporarily removed from address
• Up to 90 days cover for contents temporarily removed from address
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout
• Covers fully enclosed and lockable parts of the home
• Covers furniture; furnishings; household decorative items; works of art; wall hangings; household ornaments; televisions; visual display units; kitchen, dining room, lounge room, bedroom and bathroom wares; floor carpets and household and domestic electrical and electronic goods
• Covers personal computer equipment and associated hardware
• No cover for cracking, chipping or breakage of handheld glass, glassware or china items while being used
• No cover for fish tanks
• No cover for outdoor swimming pools or spas and equipment, including covers and liners
• Separate optional cover available for mobile phones
• Up to 5% contents sum insured for contents in the open air
• No cover for minor dents, scratches or chips
• No cover for damage caused by power surge (unless caused by another insured event); or mechanical, electrical or electronic breakdown or failure of items (except motor burnout)
• No cover for burning, melting or scorching caused by processes that involve heat or fire, cigaretes, cigars, pipes, tobacco, ash or other substances designed to be burned or heated up
• No cover for damage if you rent out your home
• Optional
• Cover only available for contents
• Choose overall limit from $2000–$5000
• $250 excess
• No cover for cash
• No cover for contents that have been misplaced, mislaid or missing where you are unable to identify where the loss occurred
• No cover for tools of trade or sporting equipment while in use
• Up to 60 days cover for accidental damage and theft of contents anywhere in Australia and New Zealand
• No cover for damage caused intentionally
• No cover for accidental damage or theft caused by theft or attempted theft by a person, boarder or tenant who, without violent or forcible entry, enters your home with your consent
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout
• Covers fully enclosed and lockable parts of the home
• Covers furniture; furnishings; household decorative items; works of art; wall hangings; household ornaments; televisions; visual display units; kitchen, dining room, lounge room, bedroom and bathroom wares; floor carpets and household and domestic electrical and electronic goods
• Covers personal computer equipment and associated hardware
• No cover for cracking, chipping or breakage of handheld glass, glassware or china items while being used
• No cover for fish tanks
• No cover for outdoor swimming pools or spas and equipment, including covers and liners
• Separate optional cover available for mobile phones
• Up to 5% contents sum insured for contents in the open air
• No cover for minor dents, scratches or chips
• No cover for damage caused by power surge (unless caused by another insured event); or mechanical, electrical or electronic breakdown or failure of items (except motor burnout)
• No cover for burning, melting or scorching caused by processes that involve heat or fire, cigaretes, cigars, pipes, tobacco, ash or other substances designed to be burned or heated up
• No cover for damage if you rent out your home
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout
• Covers fully enclosed and lockable parts of the home
• Covers furniture; furnishings; household decorative items; works of art; wall hangings; household ornaments; televisions; visual display units; kitchen, dining room, lounge room, bedroom and bathroom wares; floor carpets and household and domestic electrical and electronic goods
• Covers glass in radios, clocks, vases, ornaments and lamps
• Covers outdoor furniture in the open air
• Covers personal computer equipment and associated hardware
• No cover for cracking, chipping or breakage of handheld glass, glassware or china items while being used
• No cover for fish tanks
• No cover for outdoor swimming pools or spas and equipment, including covers and liners
• Separate optional cover available for mobile phones
• Up to 5% contents sum insured for contents in the open air
• No cover for minor dents, scratches or chips that does not affect the overall useability
• No cover for damage caused by power surge (unless caused by another insured event); or mechanical, electrical or electronic breakdown or failure of items (except motor burnout)
• No cover for burning, melting or scorching caused by processes that involve heat or fire, cigaretes, cigars, pipes, tobacco, ash or other substances designed to be burned or heated up
• No cover for damage if you rent out your home
• Covered by default
• Covers accidental loss and damage to home and contents
• Covers bicycles while in use, provided they aren't being used for racing or pace-making
• No cover for boat jetties, pontoons or mooring poles and their attachments and accessories
• No cover for cracking of sealed paths, driveways or roads
• No cover for damage caused by road vehicles, cranes or earthmoving equipment to driveways, paths, paving or underground services
• No cover for damage caused to the home by earthworks or construction undertaken by a neighbour
• No cover for gates or fences that would be considered by a reasonable person to be in an obvious state of disrepair before the loss or damage occurred
• No cover for retaining, sea or free-standing outdoor walls; revetments; garden borders or sporting surfaces or courts
• No cover for shower bases tiled or otherwise
• No cover for sporting, recreational or leisure goods while in use
• No cover for tanks or containers that burst or leak
• No cover for damage caused by failure or shutdown of electricity supply; liquid escaping from agricultural 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 home (except for spilling paint); physical assaults; death; tenants; paying guests; or boarders
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for food spoilage caused by failure or shutdown of electricity supply
• No cover for pollution or vapour caused by home heaters or cooking appliances
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• Covers bicycles while in use, provided they aren't being used for racing or pace-making
• No cover for boat jetties, pontoons or mooring poles and their attachments and accessories
• No cover for cracking of sealed paths, driveways or roads
• No cover for damage caused by road vehicles, cranes or earthmoving equipment to driveways, paths, paving or underground services
• No cover for damage caused to the home by earthworks or construction undertaken by a neighbour
• No cover for gates or fences that would be considered by a reasonable person to be in an obvious state of disrepair before the loss or damage occurred
• No cover for retaining, sea or free-standing outdoor walls; revetments; garden borders or sporting surfaces or courts
• No cover for shower bases tiled or otherwise
• No cover for sporting, recreational or leisure goods while in use
• No cover for tanks or containers that burst or leak
• No cover for damage caused by failure or shutdown of electricity supply; liquid escaping from agricultural 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 home (except for spilling paint); physical assaults; death; tenants; paying guests; or boarders
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for food spoilage caused by failure or shutdown of electricity supply
• No cover for pollution or vapour caused by home heaters or cooking appliances
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• Covers bicycles while in use, provided they aren't being used for racing or pace-making
• No cover for boat jetties, pontoons or mooring poles and their attachments and accessories
• No cover for cracking of sealed paths, driveways or roads
• No cover for damage caused by road vehicles, cranes or earthmoving equipment to driveways, paths, paving or underground services
• No cover for damage caused to the home by earthworks or construction undertaken by a neighbour
• No cover for gates or fences that would be considered by a reasonable person to be in an obvious state of disrepair before the loss or damage occurred
• No cover for retaining, sea or free-standing outdoor walls; revetments; garden borders or sporting surfaces or courts
• No cover for shower bases tiled or otherwise
• No cover for sporting, recreational or leisure goods while in use
• No cover for tanks or containers that burst or leak
• No cover for damage caused by failure or shutdown of electricity supply; liquid escaping from agricultural 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 home (except for spilling paint); physical assaults; death; tenants; paying guests; or boarders
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for food spoilage caused by failure or shutdown of electricity supply
• No cover for pollution or vapour caused by home heaters or cooking appliances
• 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
• Optional
• Covers accidental loss and damage to home and contents
• Covers bicycles while in use, provided they aren't being used for racing or pace-making
• No cover for boat jetties, pontoons or mooring poles and their attachments and accessories
• No cover for cracking of sealed paths, driveways or roads
• No cover for damage caused by road vehicles, cranes or earthmoving equipment to driveways, paths, paving or underground services
• No cover for damage caused to the home by earthworks or construction undertaken by a neighbour
• No cover for gates or fences that would be considered by a reasonable person to be in an obvious state of disrepair before the loss or damage occurred
• No cover for retaining, sea or free-standing outdoor walls; revetments; garden borders or sporting surfaces or courts
• No cover for shower bases tiled or otherwise
• No cover for sporting, recreational or leisure goods while in use
• No cover for tanks or containers that burst or leak
• No cover for damage caused by failure or shutdown of electricity supply; liquid escaping from agricultural 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 home (except for spilling paint); physical assaults; death; tenants; paying guests; or boarders
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for food spoilage caused by failure or shutdown of electricity supply
• No cover for pollution or vapour caused by home heaters or cooking appliances
• 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
• Optional
• Covers accidental loss and damage to home and contents
• Covers bicycles while in use, unless being used for racing or pace-making
• No cover for cash, smart cards, phone cards, vouchers, money orders or stamps (not in a collection) or documents able to be cashed or traded
• No cover for cracking of sealed tanks or containers
• 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 covers
• No cover for shower bases that burst or leak
• No cover for sporting surfaces or courts or their attachments and accessories
• No cover for sporting, recreational or leisure goods while in use
• 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 occurred
• 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 boarders
• No cover for damage to buildings caused by earthworks or construction undertaken by a neighbour
• No cover for damage to driveways, paths or paving or underground services caused by road vehicles, cranes or earthmoving equipment
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for food spoilage caused by failure or shutdown of electricity supply
• No cover for pollution or vapour caused by home heaters or cooking appliances
• 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
• Optional
• Covers accidental loss and damage to home and contents
• Covers bicycles while in use, unless being used for racing or pace-making
• No cover for cash, smart cards, phone cards, vouchers, money orders or stamps (not in a collection) or documents able to be cashed or traded
• No cover for cracking of sealed tanks or containers
• 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 covers
• No cover for shower bases that burst or leak
• No cover for sporting surfaces or courts or their attachments and accessories
• No cover for sporting, recreational or leisure goods while in use
• 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 occurred
• 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 boarders
• No cover for damage to buildings caused by earthworks or construction undertaken by a neighbour
• No cover for damage to driveways, paths or paving or underground services caused by road vehicles, cranes or earthmoving equipment
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for food spoilage caused by failure or shutdown of electricity supply
• No cover for pollution or vapour caused by home heaters or cooking appliances
• 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
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout
• Covers scorching and melting
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout
• Covers scorching and melting
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Cover only available for contents
• No cover for electronic or mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for power driven items, sporting equipment, musical instruments or firearms while being used
• No cover for damage caused by processes of cleaning, repairing, restoring or altering your contents; animals; birds; or business activities you operate from your site
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout
• Covers scorching and melting
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout
• Covers scorching and melting
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Choose cover for building, contents, or both
• Covers accidental loss and damage to home and contents
• Covers damage caused by power surge
• No cover for cracking, chipping or breakage of handheld glass, glassware or items made of china while being used
• No cover for freestanding, retaining or sea walls; e-bikes; e-scooters; motorbikes; trail bikes; mini-bikes; quad bikes; all-terrain vehicles; trikes or motorised go-karts, golf kats or scooters
• No cover for mechanical, electrical or electronic breakdown of items except for motor burnout or power surge
• No cover for minor dents, scratches or chips of walls; floors or furniture
• No cover for swimming pools or outdoor spas or related equipment, including covers and liners
• No cover for burning, melting or scorching caused by cigarettes; cigars; pipes; tobacco; ash; or any substances designed to be burned, heated or ignited
• 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
• Optional
• Covers accidental loss and damage to home and contents
• Covers water damage caused by a sink, bath or basin overflowing due to a tap being left running with the plug left in the drain
• Covers storm caused by rainwater, hail, wind or water that enters your building through an open door, window or other opening (except openings made by the storm)
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles, glass in crockery, porcelain, china, hand mirrors, glassware and crystal or glass in clocks, vases and ornaments
• Covers accidental breakage of glass in computer monitors, laptops, mobile phones, smart watches and tablets where there is no other damage caused to the item
• Covers jewellery, watches, laptops, portable electronic items, mobile phones and gold and silver items outside or in the open air
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by escape of liquid from a portable container
• Covers scorching where there is no flame
• No cover for cash; mobile phones; portable electronic devices; computers; laptops; swimming pool liners and covers or remote controlled, model or toy vehicles, watercraft, aircraft or drones
• No cover for photographs or films or other visual images stored electronically or on any other medium including hard copies
• No cover for property belonging to visitors
• No cover for ride-on lawnmowers; motorised wheelchairs; mobility scooters; musical instruments; fishing rods; bicycles; sporting, leisure or recreational equipment or non-motorised watercraft while in use
• No cover for damage caused by animals, birds or insects pecking, biting clawing or chewing; animal, bird or insect urine, excrement or vomit; building, renovating or altering the home (unless you are painting; renters; tenants; guests; boarders; or mechanical or electrical breakdown
• No cover for loss of items which have been misplaced
• Optional
• Covers accidental loss and damage to home and contents
• Covers bicycles while in use, provided they aren't being used for racing or pace-making
• No cover for boat jetties, pontoons or mooring poles and their attachments and accessories
• No cover for cracking of sealed paths, driveways or roads
• No cover for damage caused by road vehicles, cranes or earthmoving equipment to driveways, paths, paving or underground services
• No cover for damage caused to the home by earthworks or construction undertaken by a neighbour
• No cover for gates or fences that would be considered by a reasonable person to be in an obvious state of disrepair before the loss or damage occurred
• No cover for retaining, sea or free-standing outdoor walls; revetments; garden borders or sporting surfaces or courts
• No cover for shower bases tiled or otherwise
• No cover for sporting, recreational or leisure goods while in use
• No cover for tanks or containers that burst or leak
• No cover for damage caused by failure or shutdown of electricity supply; liquid escaping from agricultural 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 home (except for spilling paint); physical assaults; death; tenants; paying guests; or boarders
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for food spoilage caused by failure or shutdown of electricity supply
• No cover for pollution or vapour caused by home heaters or cooking appliances
• 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
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by power surge
• Covers charring, melting or scorching caused by heat generated from items in the ordinary course of their use and smoking items
• Covers accidental loss where you have taken reasonable steps to find or recover lost contents
• Covers accidental breakage of crockery, glassware and glass vases and ornaments
• Covers accidental breakage of glass components of items worn or carried by hand
• Covers accidental breakage of glass forming part of clocks, pictures, televisions, radios or computer monitors
• Covers contents in the open air
• Covers theft and burglary of cash, vouchers, coupons, gift cards, money orders and negotiable financial documents when there is forcible entry involving actual or threatened violence to a person, or that causes damage to the buildings
• Covers theft and burglary of unattended unattended jewellery in the open air or in an unlocked vehicle, caravan or trailer in the open air at your property
• Covers theft and burglary of watches, mobile phones and portable portable electronic items
• No cover for bicycles, drones, personal mobility devices, watercraft, power driven items or sporting equipment while being used
• No cover for items used by you or your family for earning any income, while being used
• No cover for model aircraft
• Covered by default
• Covers accidental loss and damage to home and contents
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
• No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
• No cover for chipping, denting or scratching caused by normal use
• Optional
• Covers accidental loss and damage to home and contents
• Covers impact damage caused by animals or birds kept at the address
• Covers scorch marks caused by a hot pan on your benchtop
• Covers ash, heat, smoke or soot when no fire damage has occurred
• Covers melting or scorching when there is heat but no flame
• Covers accidental breakage of glass and crystal items designed to be carried by hand
• 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 lamp
• No cover for aircraft, drones or model craft and their accessories
• No cover for audio or video tapes or clothing or accessories
• No cover for bicycles; e-bikes; scooters; e-scooters or sporting, recreational or leisure goods or equipment while being used
• No cover for cash, cheques or gift cards or other similar financial items
• No cover for CDs, DVDs, digital storage devices, records, computer software, game cartridges or game consoles
• No cover for items used in business, trade or profession
• No cover for mobile phones, smart phones or smart devices or their accessories
• No cover for swimming pools or spas or any associated equipment
• 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 chemicals
• No cover for other damage caused by animals, birds or their excrement
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for chipping, denting or scratching caused by normal use
• Optional
• Covers accidental loss and damage to home and contents
• Covers impact damage caused by animals or birds kept at the address
• Covers scorch marks caused by a hot pan on your benchtop
• Covers ash, heat, smoke or soot when no fire damage has occurred
• Covers melting or scorching when there is heat but no flame
• Covers accidental breakage of glass and crystal items designed to be carried by hand
• 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 lamp
• No cover for aircraft, drones or model craft and their accessories
• No cover for audio or video tapes or clothing or accessories
• No cover for bicycles; e-bikes; scooters; e-scooters or sporting, recreational or leisure goods or equipment while being used
• No cover for cash, cheques or gift cards or other similar financial items
• No cover for CDs, DVDs, digital storage devices, records, computer software, game cartridges or game consoles
• No cover for items used in business, trade or profession
• No cover for mobile phones, smart phones or smart devices or their accessories
• No cover for swimming pools or spas or any associated equipment
• 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 chemicals
• No cover for other damage caused by animals, birds or their excrement
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for chipping, denting or scratching caused by normal use
• Optional
• Covers accidental loss and damage to home and contents
• Covers impact damage caused by animals or birds kept at the address
• Covers scorch marks caused by a hot pan on your benchtop
• Covers ash, heat, smoke or soot when no fire damage has occurred
• Covers melting or scorching when there is heat but no flame
• Covers accidental breakage of glass and crystal items designed to be carried by hand
• 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 lamp
• No cover for aircraft, drones or model craft and their accessories
• No cover for audio or video tapes or clothing or accessories
• No cover for bicycles; e-bikes; scooters; e-scooters or sporting, recreational or leisure goods or equipment while being used
• No cover for cash, cheques or gift cards or other similar financial items
• No cover for CDs, DVDs, digital storage devices, records, computer software, game cartridges or game consoles
• No cover for items used in business, trade or profession
• No cover for mobile phones, smart phones or smart devices or their accessories
• No cover for swimming pools or spas or any associated equipment
• 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 chemicals
• No cover for other damage caused by animals, birds or their excrement
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for chipping, denting or scratching caused by normal use
• Optional
• Covers accidental loss and damage to home and contents
• Covers impact damage caused by animals or birds kept at the address
• Covers scorch marks caused by a hot pan on your benchtop
• Covers ash, heat, smoke or soot when no fire damage has occurred
• Covers melting or scorching when there is heat but no flame
• Covers accidental breakage of glass and crystal items designed to be carried by hand
• 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 lamp
• No cover for aircraft, drones or model craft and their accessories
• No cover for audio or video tapes or clothing or accessories
• No cover for bicycles; e-bikes; scooters; e-scooters or sporting, recreational or leisure goods or equipment while being used
• No cover for cash, cheques or gift cards or other similar financial items
• No cover for CDs, DVDs, digital storage devices, records, computer software, game cartridges or game consoles
• No cover for items used in business, trade or profession
• No cover for mobile phones, smart phones or smart devices or their accessories
• No cover for swimming pools or spas or any associated equipment
• 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 chemicals
• No cover for other damage caused by animals, birds or their excrement
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for chipping, denting or scratching caused by normal use
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers impact damage caused by animals or birds kept at the address
• Covers scorch marks caused by a hot pan on your benchtop
• Covers ash, heat, smoke or soot when no fire damage has occurred
• Covers melting or scorching when there is heat but no flame
• Covers accidental breakage of glass and crystal items designed to be carried by hand
• 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 lamp
• No cover for aircraft, drones or model craft and their accessories
• No cover for audio or video tapes or clothing or accessories
• No cover for bicycles; e-bikes; scooters; e-scooters or sporting, recreational or leisure goods or equipment while being used
• No cover for cash, cheques or gift cards or other similar financial items
• No cover for CDs, DVDs, digital storage devices, records, computer software, game cartridges or game consoles
• No cover for items used in business, trade or profession
• No cover for mobile phones, smart phones or smart devices or their accessories
• No cover for swimming pools or spas or any associated equipment
• 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 chemicals
• No cover for other damage caused by animals, birds or their excrement
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for chipping, denting or scratching caused by normal use
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
• Covers scorching and melting
• Covers accidental breakage of ceramic tiles
• Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
• Up to 90 days cover for contents anywhere in Australia
• No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
• Optional
• Covers accidental loss and damage to home and contents
• Covers impact damage caused by animals or birds kept at the address
• Covers scorch marks caused by a hot pan on your benchtop
• Covers ash, heat, smoke or soot when no fire damage has occurred
• Covers melting or scorching when there is heat but no flame
• Covers accidental breakage of glass and crystal items designed to be carried by hand
• 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 lamp
• No cover for aircraft, drones or model craft and their accessories
• No cover for audio or video tapes or clothing or accessories
• No cover for bicycles; e-bikes; scooters; e-scooters or sporting, recreational or leisure goods or equipment while being used
• No cover for cash, cheques or gift cards or other similar financial items
• No cover for CDs, DVDs, digital storage devices, records, computer software, game cartridges or game consoles
• No cover for items used in business, trade or profession
• No cover for mobile phones, smart phones or smart devices or their accessories
• No cover for swimming pools or spas or any associated equipment
• 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 chemicals
• No cover for other damage caused by animals, birds or their excrement
• No cover for burning or scorching caused by cigars, cigarettes or pipes
• No cover for chipping, denting or scratching caused by normal use
• Optional
• Choose cover for building, contents, or both
• Covers accidental loss and damage to home and contents
• No cover for business items (insurable under a separate option)
• No cover for items which have reached the end of their functional life or kept at a storage facility
• No cover for retaining walls, jetties or pontoons
• No cover for swimming pools or outdoor spas including covers and liners
• No cover for damage caused by earthworks, construction or renovation
• No cover for burning, melting or scorching caused by processes that involve heat or fire relating to any substance designed to be burned or heated up
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout
• Covers fully enclosed and lockable parts of the home
• Covers furniture; furnishings; household decorative items; works of art; wall hangings; household ornaments; televisions; visual display units; kitchen, dining room, lounge room, bedroom and bathroom wares; floor carpets and household and domestic electrical and electronic goods
• Covers personal computer equipment and associated hardware
• No cover for cracking, chipping or breakage of handheld glass, glassware or china items while being used
• No cover for fish tanks
• No cover for outdoor swimming pools or spas and equipment, including covers and liners
• Separate optional cover available for mobile phones
• Up to 5% contents sum insured for contents in the open air
• No cover for minor dents, scratches or chips
• No cover for damage caused by power surge (unless caused by another insured event); or mechanical, electrical or electronic breakdown or failure of items (except motor burnout)
• No cover for burning, melting or scorching caused by processes that involve heat or fire, cigaretes, cigars, pipes, tobacco, ash or other substances designed to be burned or heated up
• No cover for damage if you rent out your home
• Optional
• Covers accidental loss and damage to home and contents
• Covers damage caused by motor burnout
• Covers fully enclosed and lockable parts of the home
• Covers furniture; furnishings; household decorative items; works of art; wall hangings; household ornaments; televisions; visual display units; kitchen, dining room, lounge room, bedroom and bathroom wares; floor carpets and household and domestic electrical and electronic goods
• Covers personal computer equipment and associated hardware
• No cover for cracking, chipping or breakage of handheld glass, glassware or china items while being used
• No cover for fish tanks
• No cover for outdoor swimming pools or spas and equipment, including covers and liners
• Separate optional cover available for mobile phones
• Up to 5% contents sum insured for contents in the open air
• No cover for minor dents, scratches or chips
• No cover for damage caused by power surge (unless caused by another insured event); or mechanical, electrical or electronic breakdown or failure of items (except motor burnout)
• No cover for burning, melting or scorching caused by processes that involve heat or fire, cigaretes, cigars, pipes, tobacco, ash or other substances designed to be burned or heated up
• No cover for damage if you rent out your home
• Optional
• Covers accidental loss and damage to home and contents
• No cover for accidental breakage of glass forming part of a stove top, cooking surface, heater or oven door or in a glasshouse or greenhouse or in the roof of a conservatory, sunroom, or similar
• No cover for bicycles, sporting or fishing equipment, musical instruments or remote controlled aircraft or drones while in use
• No cover for driveways, paths or tennis courts and other ground surfaces
• No cover for trees, plants, shrubs, jewellery, watches, food, medications, cash, gift vouchers, negotiable instruments or mobile phones
• No cover for damage caused by normal use resulting in scratching, chipping or denting; domestic pets, animals or livestock at the address with permission of a resident; tree felling or lopping; subsidence; landslide; mudslide; or collapse
• No cover for swimming pools caused by or contributed to by you lowering the level of water
• No cover for damage that occurs gradually
• Optional
• Covers accidental loss and damage to home and contents
• No cover for accidental breakage of glass forming part of a stove top, cooking surface, heater or oven door or in a glasshouse or greenhouse or in the roof of a conservatory, sunroom, or similar
• No cover for bicycles, sporting or fishing equipment, musical instruments or remote controlled aircraft or drones while in use
• No cover for driveways, paths or tennis courts and other ground surfaces
• No cover for trees, plants, shrubs, jewellery, watches, food, medications, cash, gift vouchers, negotiable instruments or mobile phones
• No cover for damage caused by normal use resulting in scratching, chipping or denting; domestic pets, animals or livestock at the address with permission of a resident; tree felling or lopping; subsidence; landslide; mudslide; or collapse
• No cover for swimming pools caused by or contributed to by you lowering the level of water
• No cover for damage that occurs gradually
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
• No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
• No cover for chipping, denting or scratching caused by normal use
• Covered by default
• Covers accidental loss and damage to home and contents
• No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doors
• No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the pool
• No cover for chipping, denting or scratching caused by normal use
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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 your site; or any process of cleaning involving the use of chemicals
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
• Optional
• Covers accidental loss and damage to home and contents
• No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
• No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
• No cover for retaining walls
• 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
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How the insurer can settle your claim
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
• Repair damaged property
• Replace damaged property
• Pay you the property's replacement value, up to your sum insured or other sublimits
Cash settlement for building claims
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
Customer cost
Customer cost
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
Customer cost
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Customer cost
Cash settlement for contents claims
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
Customer cost
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives
Customer cost
Customer cost
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
• Customer cost
• Insurer may offer non-cash alternatives
New for old contents replacement
Yes (excludes clothing, computers over 4 years old, household linen, items out of use (eg stored away) and shoes)
Yes (excludes clothing, computers over 4 years old, household linen, items out of use (eg stored away) and shoes)
Yes (excludes clothing, computers over 4 years old, household linen, items out of use (eg stored away) and shoes)
Yes (excludes clothing, computers more than 4 years old, household linen, items out of use/stored away and shoes)
Yes (excludes clothing, shoes and linen out of use/stored away and computers over 4 years old)
Yes (excludes clothing, shoes and linen out of use/stored away and computers over 4 years old)
Yes (excludes clothing, computers over 4 years old, household linen, items out of use (eg stored away) and shoes)
Yes (excludes clothing, computers more than 4 years old, household linen, items out of use/stored away and shoes)
Yes (excludes clothing, shoes and linen out of use/stored away and computers over 4 years old)
Yes (excludes art objects, collections, memorabilia and antiques, ornaments, paintings, pictures, sculptures and works of art)
Yes (excludes clothing, shoes and linen out of use/stored away and computers over 4 years old)
1
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes clothing and floor carpets over 10 years old)
1
Yes (excludes clothing and floor carpets over 10 years old)
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes clothing and floor carpets that are over 10 years old)
Yes (excludes art objects, collections, memorabilia and antiques, ornaments, paintings, pictures, sculptures and works of art)
1
Yes (excludes art objects, collections, memorabilia and antiques, ornaments, paintings, pictures, sculptures and works of art)
Yes (excludes art objects, collections, memorabilia and antiques, ornaments, paintings, pictures, sculptures and works of art)
Yes (excludes art objects, collections, memorabilia and antiques, ornaments, paintings, pictures, sculptures and works of art)
Yes (excludes antiques, art objects, collections, ornaments, paintings, pictures, sculptures, sets and memorabilia and works of art)
Yes (excludes antiques, art objects, collections, ornaments, paintings, pictures, sculptures, sets and memorabilia and works of art)
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
1
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
1
Yes (excludes cds, dvds and paintings, pictures, works of art, sculptures, ornaments, art objects, collections, sets and memorabilia, antiques)
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
1
Yes (excludes art objects, collections, memorabilia and antiques, ornaments, paintings, pictures, sculptures and works of art)
Yes (excludes carpets over 10 years old, mobile phones and tablets (may be replaced with refurbished model), pool liners and shade cloths/sails)
1
Yes (excludes cds, dvds and paintings, pictures, works of art, sculptures, ornaments, art objects, collections, sets and memorabilia, antiques)
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Yes (excludes clothing, shoes and linen out of use/stored away and computers over 4 years old)
Yes (excludes clothing, shoes and linen out of use/stored away and computers over 4 years old)
1
1
1
1
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
1
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
1
1
Yes (excludes clothing and floor carpets over 10 years old)
Yes (excludes clothing and floor carpets over 10 years old)
Yes (excludes computers more than four years old and out of use clothing, shoes or household linen or items)
Yes (excludes computers more than four years old and out of use clothing, shoes or household linen or items)
Yes (excludes clothing, computers over 4 years old, household linen, items out of use (eg stored away) and shoes)
Yes (excludes clothing, computers over 4 years old, household linen, items out of use (eg stored away) and shoes)
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1

Building

Motor burnout
• Motors up to 10 years or $1000 overall
• Optional
• Motors up to 10 years or $2000 overall
• Optional
• Motors up to 10 years or $1000 overall
• Optional
Motors up to 10 years
• Motors up to 10 years or $2000 overall
• Optional
Motors up to 10 years
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
Motors up to 10 years
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
Motors up to 10 years
Motors up to 10 years
Motors up to 10 years
Motors up to 10 years
• Motors up to 10 years
• Optional
Motors up to 7 years
Motors up to 7 years
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
Reasonable cost
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
Motors up to 15 years
Up to $2000 overall
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
Motors up to 10 years
Motors up to 10 years
Up to $2000 overall
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
Motors up to 15 years
• Motors up to 10 years or $1000 overall
• Optional
• Motors up to 10 years or $2000 overall
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
Motors up to 10 years or $1000 overall
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years
• Optional
• Motors up to 10 years or $1500 overall
• Optional
Motors up to 10 years or $2000 overall
Motors up to 10 years or $2000 overall
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
• Motors up to 15 years
• Optional
Keys and locks after break-in
Up to $750 overall
Up to $1500 overall
Up to $750 overall
Up to $750 overall
Up to $500 overall
Up to $1000 overall
Up to $1500 overall
Up to $1500 overall
Up to $500 overall
Up to $2500 overall
Up to $1000 overall
Up to $2500 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $2500 overall
Up to $1500 overall
Up to $1000 overall
Up to $1000 overall
Up to $500 overall
Up to $500 overall
Up to $1000 overall
Up to $1000 overall
Up to $800 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $500 overall
Up to $2000 overall
Up to $1000 overall
Up to $500 overall
Up to $1000 overall
Up to $2500 overall
Up to $1000 overall
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Up to $500 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $1000 overall
Up to $500 overall
Up to $1000 overall
Up to $1000 overall
1
Up to $500 overall
Up to $1500 overall
Up to $1500 overall
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Gardens and landscaping
• Up to $750 overall
• Cover for fire, malicious damage, theft and vehicle damage
• Up to $1500 overall
• Cover for fire, malicious damage, theft and vehicle damage
• Up to $750 overall
• Cover for fire, malicious damage, theft and vehicle damage
• Up to $750 overall
• Cover for fire, malicious damage, theft and vehicle damage
• Up to $750 overall
• Cover for fire, malicious damage, theft and vehicle damage
• Up to $1500 overall
• Cover for fire, malicious damage, theft and vehicle damage
• Up to $1500 overall
• Cover for fire, malicious damage, theft and vehicle damage
• Up to $1500 overall
• Cover for fire, malicious damage, theft and vehicle damage
• Up to $750 overall
• Cover for fire, malicious damage, theft and vehicle damage
• Up to $2000 overall
• No cover for escape of liquid, flood, storm or storm surge
• Up to $1500 overall
• Cover for fire, malicious damage, theft and vehicle damage
• Up to $5000 overall
• Up to $250 per plant, shrub or tree
• No cover for escape of liquid, flood, hail, rainwater or storm
• Up to $5000 overall
• No cover for cyclone, flood, rainwater or run-off, storm or tsunami
• Up to $5000 overall
• No cover for cyclone, flood, rainwater or run-off, storm or tsunami
• Up to $5000 overall
• No cover for cyclone, flood, rainwater or run-off, storm or tsunami
Up to $1000 overall
Up to $1000 overall
• Up to $5000 overall
• No cover for cyclone, flood, rainwater or run-off, storm or tsunami
• Up to $5000 overall
• No cover for cyclone, flood, rainwater or run-off, storm or tsunami
Up to $1000 overall
• Up to $2000 overall
• No cover for escape of liquid, flood, storm or storm surge
• Up to $2500 overall
• Up to $250 per plant, shrub or tree
• No cover for escape of liquid, flood, hail, rainwater or storm
• Up to $1000 overall
• No cover for escape of liquid, flood, storm or storm surge
• Up to $1000 overall
• No cover for escape of liquid, flood, storm or storm surge
• Up to $5000 overall
• No cover for cyclone, flood, rainwater, storm or tsunami
• Up to $5000 overall
• No cover for cyclone, flood, rainwater, storm or tsunami
• Up to $500 overall
• Cover for storm
• Up to $5000 overall
• No cover for cyclone, flood, rainwater, storm or tsunami
• Up to $5000 overall
• No cover for cyclone, flood, rainwater, storm or tsunami
Up to $1000 overall
• Up to $1000 overall
• No cover for escape of liquid, flood, storm or storm surge
• Up to $5000 overall
• No cover for flood, storm or tsunami
• Up to $1000 overall
• No cover for escape of liquid, flood or storm
• Up to $1500 overall
• No cover for tsunami
• Up to $1000 overall
• No cover for escape of liquid, flood, storm or storm surge
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
• Up to $750 overall
• Cover for fire, malicious damage, theft and vehicle damage
• Up to $1500 overall
• Cover for fire, malicious damage, theft and vehicle damage
• Up to $5000 overall
• No cover for cyclone, flood, rainwater or run-off, storm or tsunami
• Up to $5000 overall
• No cover for cyclone, flood, rainwater or run-off, storm or tsunami
• Up to $5000 overall
• No cover for cyclone, flood, rainwater or run-off, storm or tsunami
Up to $1000 overall
Up to $1000 overall
• Up to $1500 overall
• Cover for fire, malicious damage, theft and vehicle damage
• Up to $750 overall
• Cover for fire, malicious damage, theft and vehicle damage
• Up to $5000 overall
• Cover for fire, malicious damage, theft and vehicle damage
• Up to $5000 overall
• Cover for fire, malicious damage, theft and vehicle damage
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Up to $1500 overall
Costs to comply with building regulations
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 25% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
Reasonable cost
Reasonable cost
Reasonable cost
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
Reasonable cost
• Up to 25% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 20% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 20% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
Reasonable cost
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with professional fees
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with professional fees
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal, professional fees and other incidental expenses
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $5000 overall
• Paid on top of sum insured
Reasonable cost
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $5000 overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with debris removal and professional fees
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Professional fees
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 25% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
Up to 10% sum insured overall
Reasonable cost
Up to 10% sum insured overall
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 25% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 20% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 20% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
Reasonable cost
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations, debris removal and other incidental expenses
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $5000 overall
• Paid on top of sum insured
Reasonable cost
• Up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $5000 overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to $5000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and debris removal
• Up to 20% sum insured overall
• Limit combined with debris removal
Up to 10% sum insured overall
Up to 10% sum insured overall
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Reasonable cost
Mortgage discharge fees
• Up to $1000 overall
• Paid on top of sum insured
• Up to $2000 overall
• Paid on top of sum insured
• Up to $1000 overall
• Paid on top of sum insured
• Up to $2000 overall
• Paid on top of sum insured
• Up to $2000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to $2000 overall
• Paid on top of sum insured
• Up to $5000 overall
• Paid on top of sum insured
• Up to $1500 overall
• Paid on top of sum insured
• Up to $1500 overall
• Paid on top of sum insured
• Up to $1000 overall
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Up to $1500 overall
• Paid on top of sum insured
• Up to $1000 overall
• Paid on top of sum insured
• Up to $2000 overall
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Up to $1000 overall
• Paid on top of sum insured
• Up to $2000 overall
• Paid on top of sum insured
Up to $750 overall
Up to $750 overall
Up to $750 overall
Up to $750 overall
Up to $750 overall
Up to $750 overall
• Reasonable cost
• Paid on top of sum insured
• Up to $1000 overall
• Paid on top of sum insured
• Up to $2000 overall
• Paid on top of sum insured
• Up to $2000 overall
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
• Reasonable cost
• Paid on top of sum insured
Debris removal and demolition
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Building claims: up to 25% sum insured overall
• Contents claims: up to 20% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Building claims: up to 15% sum insured overall
• Contents claims: up to $5000 overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 20% sum insured overall
• Paid on top of sum insured
• Reasonable cost
• Building only
• Up to 20% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 20% sum insured overall
• Paid on top of sum insured
• Building claims: up to 25% sum insured overall
• Contents claims: up to 20% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Building claims: up to 15% sum insured overall
• Contents claims: up to $5000 overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Building claims: up to 20% sum insured overall
• Contents claims: up to 15% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 20% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Building claims: up to 15% sum insured overall
• Contents claims: up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Building claims: up to Reasonable cost overall
• Contents claims: up to 10% sum insured overall
• Paid on top of sum insured
• Building claims: up to 15% sum insured overall
• Contents claims: up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Building only
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Building claims: up to 15% sum insured overall
• Contents claims: up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Building claims: up to 15% sum insured overall
• Contents claims: up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations, professional fees and other incidental expenses
• Building claims: up to 15% sum insured overall
• Contents claims: up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Reasonable cost
• Building only
• Building claims: up to 15% sum insured overall
• Contents claims: up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to $10000 overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to $15000 overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Limit combined with building regulations and professional fees
• Up to 20% sum insured overall
• Limit combined with professional fees
• Building only
• Up to 20% sum insured overall
• Paid on top of sum insured
• Up to 20% sum insured overall
• Paid on top of sum insured
• Up to 15% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 20% sum insured overall
• Paid on top of sum insured
• Up to 20% sum insured overall
• Paid on top of sum insured
• Reasonable cost
• Building only
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
• Up to 10% sum insured overall
• Paid on top of sum insured
Temporary accommodation
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to $1000 for temporary accommodation for cats/dogs
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to $500 for temporary accommodation for cats/dogs
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to $500 for temporary accommodation for cats/dogs
• Up to 15% building sum insured
• Paid on top of sum insured
• Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break fee
• Up to 5% building sum insured for additional accommodation costs during repair delays out of your control
• Up to 4 weeks for short term accommodation
• Available after a claim for building damage
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to $1000 for temporary accommodation for cats/dogs
• Up to 12 months or 20% sum insured
• Paid on top of sum insured
• Covers additional costs for similar temporary accommodation and commercial pet boarding
• Up to 7 days or $2000 for emergency accommodation and pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Up to 14 days for short term accommodation
• Available after a claim for building damage
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Covers temporary accommodation for people living at the address
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Up to 14 days for short term accommodation
• Available after a claim for building damage
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Up to 14 days for short term accommodation
• Available after a claim for building damage
• Up to 15% building sum insured
• Paid on top of sum insured
• Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break fee
• Up to 5% building sum insured for additional accommodation costs during repair delays out of your control
• Up to 4 weeks for short term accommodation
• Available after a claim for building damage
• Up to 12 months or 20% sum insured
• Paid on top of sum insured
• Covers additional costs for similar temporary accommodation and commercial pet boarding
• Up to 7 days or $2000 for emergency accommodation and pet boarding
• Up to 10% building sum insured
• Paid on top of sum insured
• Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break fee
• Up to 5% building sum insured for additional accommodation costs during repair delays out of your control
• Up to 4 weeks for short term accommodation
• Available after a claim for building damage
• Up to 10% building sum insured
• Paid on top of sum insured
• Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break fee
• Up to 5% building sum insured for additional accommodation costs during repair delays out of your control
• Up to 4 weeks for short term accommodation
• Available after a claim for building damage
• Up to 10% building sum insured
• Paid on top of sum insured
• Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break fee
• Up to 5% building sum insured for additional accommodation costs during repair delays out of your control
• Up to 4 weeks for short term accommodation
• Available after a claim for building damage
• Up to 52 weeks
• 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 boarding
• Up to 4 weeks for short term accommodation
• Up to 26 weeks for extended accommodation if repairs delayed for reasons outside your control
• Up to 10% building sum insured
• Paid on top of sum insured
• 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 boarding
• Up to 4 weeks for short term accommodation
• Up to 26 weeks for extended accommodation if repairs delayed for reasons outside your control
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months
• Covers comparable accommodation for you and commercial accommodation for pets
• Available after a claim for building damage
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 18 months or 10% sum insured
• Paid on top of sum insured
• 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 fees
• Up to $500 per week, if you stay with family or friends instead
• Up to $2000 for commercial pet boarding
• Up to 10% building sum insured
• Paid on top of sum insured
• Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break fee
• Up to 5% building sum insured for additional accommodation costs during repair delays out of your control
• Up to 4 weeks for short term accommodation
• Available after a claim for building damage
• Up to 10% sum insured
• Paid on top of sum insured
• Covers rental accommodation for you and your pets, utility connection costs, mail redirection, and rental bond
• Up to 10% building sum insured
• Paid on top of sum insured
• Covers additional accommodation expenses, mail redirection, utility connection fees, rental bond, removal/storage costs and commercial pet boarding
• Limit combined with emergency storage
• Available after a claim for building damage
• Up to 10% building sum insured
• Paid on top of sum insured
• Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break fee
• Up to 5% building sum insured for additional accommodation costs during repair delays out of your control
• Up to 4 weeks for short term accommodation
• Available after a claim for building damage
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary, alternative accommodation for your family and pets; relocation costs; additional expenses; mail redirection; and utility connection fees
• Available after a claim for building damage
• Up to 10% building sum insured
• Paid on top of sum insured
• Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break fee
• Up to 5% building sum insured for additional accommodation costs during repair delays out of your control
• Up to 4 weeks for short term accommodation
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 24 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to $500 for temporary accommodation for cats/dogs
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to $1000 for temporary accommodation for cats/dogs
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Covers accommodation for you and your pets
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Covers accommodation for you and your pets
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Covers accommodation for you and your pets
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Covers accommodation for you and your pets
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Covers accommodation for you and your pets
• Up to $250 for emergency groceries
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Covers accommodation for you and your pets
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers residential accommodation at a similar standard to your home, mail redirection, utility connection costs and removal costs
• Up to 48 weeks for residential accommodation
• Up to 4 weeks for emergency or short-term accommodation
• Up to $3000 for pet accommodation
• Up to $250 per month of pet accommodation
• Available after a claim for building damage
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Up to 14 days for short term accommodation
• Available after a claim for building damage
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Up to 14 days for short term accommodation
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers accommodation for you and any family member living at your home
• Up to $3000 for temporary accommodation for dogs and/or cats
• Available after a claim for building damage
• Up to 12 months or 10% building sum insured
• Paid on top of sum insured
• Covers accommodation for you and any family member living at your home
• Up to $500 for temporary accommodation for dogs and/or cats
• Available after a claim for building damage
• Up to 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to $1000 for temporary accommodation for cats/dogs
• Up to 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family
• Up to $1000 for temporary accommodation for cats/dogs
• Up to 12 months
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage
• Up to 12 months or 20% building sum insured
• Paid on top of sum insured
• Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
• Available after a claim for building damage

Contents

Cover for unspecified portable contents
• Covers some items for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Choose overall limit from $2500–$5000
• Up to $1000 per item
• Covered anywhere in Australia
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Choose overall limit from $2500–$5000
• Up to $1000 per item
• Covered anywhere in Australia
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Choose overall limit from $2500–$5000
• Up to $1000 per item
• Covered anywhere in Australia
• $100 excess
• Optional
• Covers general contents for accidental loss/damage
• Up to contents sum insured overall
• Up to 100 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere for up to 180 days in Australia and New Zealand
• Contents excess applies
• Covers some items for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Choose overall limit from $2500–$5000
• Up to $1000 per item
• Covered anywhere in Australia
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Optional cover for flood
• Up to $10000 overall
• Up to $1500 per item, pair and set
• Covered anywhere in Australia, and for up to 90 days in rest of the world
• Contents excess applies
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1500–$7500
• Choose limit from $500–$1500 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for insured events and accidental loss/damage
• Choose overall limit from $2000–$8000
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia and New Zealand
• $300 excess
• Optional
• Covers general contents for theft and accidental loss/damage
• Choose overall limit from $2000–$5000
• Covered anywhere for up to 60 days in Australia and New Zealand
• $250 excess
• Optional
• Covers some items for insured events and accidental loss/damage
• Choose overall limit from $2000–$8000
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia and New Zealand
• $300 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for insured events and accidental loss/damage
• Choose overall limit from $2000–$8000
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia and New Zealand
• $300 excess
• Optional
Personal Valuables option:
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$10000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess

Portable Advantages option:
• Cover some items for accidental/loss damage
• Up to contents sum insured overall
• Cover in Australia and NZ for up to 180 days
• Up to 100 days for watches and jewellery outside Australia & NZ (must be worn or in a safe)
• Contents excess applies
• Covers some items for accidental loss/damage
• Optional cover for flood
• Up to $15000 overall
• Up to $2500 per item, pair and set
• Covered anywhere in Australia, and for up to 30 days in rest of the world
• Contents excess applies
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$10000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $4000–$10000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$10000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $2000–$5000
• Choose limit from $500–$1000 per item
• Covered anywhere in Australia
• $200 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers general contents for accidental loss/damage
• Choose overall limit from up to $10000 or 25% contents sum insured
• Choose limit from $1000–$1500 per item
• Covered away from home in Australia and New Zealand
• Contents excess applies
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for accidental loss or damage
• Up to $5000 overall
• Up to $1000 per item
• Covered anywhere in Australia, and for up to 90 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Up to $3000 overall
• Up to $1000 per item, pair and set
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$10000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group, $10000 for bicycles and personal mobility devices, collections, medical and health items, mobile phones, portable electronic devices, and recreational/hobby items and clothing
•Nominate a limit per item group, $15000 for jewellery and watches
• Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
• Contents excess applies
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item, collection, pair and set
• Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Choose overall limit from $2500–$5000
• Up to $1000 per item
• Covered anywhere in Australia
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Choose overall limit from $2500–$5000
• Up to $1000 per item
• Covered anywhere in Australia
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item
• Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item
• Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item
• Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item
• Covered anywhere in Australia, New Zealand, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item
• Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional
• Covers some items for accidental loss/damage
• Choose overall limit from $1000–$5000
• Up to $1000 per item
• Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Optional
• Covers general contents for accidental loss/damage
• Up to contents sum insured overall
• Up to $15000 per item
• Covered anywhere worldwide
• Contents excess applies
• Optional
• Covers some items for insured events and accidental loss/damage
• Choose overall limit from $2000–$8000
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia and New Zealand
• $300 excess
• Optional
• Covers some items for insured events and accidental loss/damage
• Choose overall limit from $2000–$8000
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia and New Zealand
• $300 excess
• Optional
• Covers some items for accidental loss or damage
• Choose overall limit from $2500–$7500
• Up to $1000 per item
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for accidental loss or damage
• Choose overall limit from $2500–$7500
• Up to $1000 per item
• Covered anywhere in Australia and New Zealand
• $100 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing, accessories and luggage; glasses and medical items; jewellery and watches; portable electronic devices; sporting items; and wheelchairs, scooters and other mobility aids
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• Contents excess applies
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
• Covers some items for theft and accidental loss/damage
• Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational items
• Up to $10000 per item
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
• $250 excess
• Optional
Optional cover for individual portable valuables
• Cover for insured events (not accidental loss/damage)
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for insured events (including accidental loss/damage)
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for insured events (not accidental loss/damage)
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for insured events (not accidental loss/damage)
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for insured events (including accidental loss/damage)
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for insured events (including accidental loss/damage)
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for accidental loss/damage
• Covered anywhere for up to 180 days in Australia and New Zealand
• Contents excess applies
• Cover for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for accidental loss/damage
• Optional cover for flood
• Covered anywhere in Australia, and for up to 90 days in rest of the world
• Contents excess applies
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for insured events and accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $300 excess
• Cover for theft and accidental loss/damage
• Covered away from home worldwide
• $0 excess
• Cover for insured events and accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $300 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for insured events and accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $300 excess
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for accidental loss/damage
• Optional cover for flood
• Covered anywhere in Australia, and for up to 30 days in rest of the world
• Contents excess applies
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for accidental loss/damage
• Covered anywhere in Australia
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for accidental loss/damage
• Covered away from home in Australia and New Zealand
• Contents excess applies
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for accidental loss or damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
• Contents excess applies
• Cover for accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for accidental loss/damage
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia
• $100 excess
• Cover for accidental loss/damage
• Covered away from home in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Cover for accidental loss/damage
• Covered away from home in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Cover for accidental loss/damage
• Covered away from home in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Cover for accidental loss/damage
• Covered away from home in Australia, New Zealand, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for accidental loss/damage
• Covered away from home in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Cover for accidental loss/damage
• Covered away from home in Australia, New Zealand, and for up to 90 days in rest of the world
• $100 excess
• Cover for accidental loss/damage
• Covered anywhere worldwide
• Contents excess applies
• Cover for insured events and accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $300 excess
• Cover for insured events and accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $300 excess
• Cover for insured events and accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for insured events and accidental loss/damage
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for insured events (including accidental loss/damage)
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for insured events (including accidental loss/damage)
• No cover for disappearance when cause cannot be established
• Covered anywhere in Australia and New Zealand
• $100 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• Contents excess applies
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
• Cover for theft and accidental loss/damage
• Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
• $250 excess
Contents in the open air
• Up to $4000 overall
• Up to $1000 per item
• No item sublimit for barbecues or garden furniture
• Up to $8000 overall
• Up to $2000 per item
• No item sublimit for barbecues or garden furniture
• Up to $4000 overall
• Up to $1000 per item
• No item sublimit for barbecues or garden furniture
• Up to $4000 overall
• Up to $1000 per item
• No item sublimit for barbecues or garden furniture
• Up to $4000 overall
• Up to $1000 per item
• No item sublimit for barbecues or garden furniture
• Up to $8000 overall
• Up to $2000 per item
• No item sublimit for barbecues or garden furniture
• Up to $8000 overall
• Up to $2000 per item
• No item sublimit for barbecues or garden furniture
• Up to $8000 overall
• Up to $2000 per item
• No item sublimit for barbecues or garden furniture
• Up to $4000 overall
• Up to $1000 per item
• No item sublimit for barbecues or garden furniture
Up to sum insured overall
• Up to $8000 overall
• Up to $2000 per item
• No item sublimit for barbecues or garden furniture
• Up to 20% sum insured overall
• Up to $200 for cash and negotiable instruments
• Up to $5000 for building materials awaiting installation
• Up to $5000 for theft
• Up to $2000 overall
• Covers contents intended to be kept outside
• Cover for rainwater, run-off, storm and theft
• Up to $2000 overall
• Covers contents intended to be kept outside
Up to $2000 overall
• Up to 5% sum insured overall
• Cover for theft
• Optional cover for accidental damage
• No cover for impact
Up to $3000 overall
• Up to 5% sum insured overall
• Cover for theft
• Optional cover for accidental damage
• No cover for impact
• Up to $2000 overall
• Covers contents intended to be kept outside
• Up to $2000 overall
• Covers contents intended to be kept outside
• Up to 5% sum insured overall
• Cover for theft
• Optional cover for accidental damage
• No cover for impact
Up to sum insured overall
• Up to 20% sum insured overall
• Up to $500 for cash and negotiable instruments
• Up to $2500 for building materials awaiting installation
• Up to $2500 for theft
Up to sum insured overall
Up to sum insured overall
Up to sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to $2000 overall
Up to $2000 overall
• Up to sum insured overall
• Up to 20% sum insured for storm and theft
Up to $2000 overall
Up to $2000 overall
Up to $3000 overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to sum insured overall
• Up to $2000 overall
• Covers contents intended to be kept outside
• Up to sum insured overall
• No sublimits for above ground pools, barbecues or outdoor furniture
• No cover for animal damage
• Up to $8000 for burglary, flood, hail, rain, storm, storm surge and theft
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
• Up to $4000 overall
• Up to $1000 per item
• No item sublimit for barbecues or garden furniture
• Up to $8000 overall
• Up to $2000 per item
• No item sublimit for barbecues or garden furniture
• Up to sum insured overall
• Up to $1000 for theft
• Up to sum insured overall
• Up to $1000 for theft
• Up to sum insured overall
• Up to $1000 for theft
• Up to sum insured overall
• Up to $1000 for theft
• Up to $2000 overall
• Covers contents intended to be kept outside
• Up to sum insured overall
• Up to $1000 for theft
Up to $2000 overall
Up to $2000 overall
• Up to sum insured overall
• Up to $1000 for theft
Up to 10% sum insured or $20000 overall
• Up to 5% sum insured overall
• Cover for theft
• Optional cover for accidental damage
• No cover for impact
• Up to 5% sum insured overall
• Cover for theft
• Optional cover for accidental damage
• No cover for impact
Up to 10% sum insured overall
• Up to $4000 overall
• Up to $1000 per item
• No item sublimit for barbecues or garden furniture
• Up to $8000 overall
• Up to $2000 per item
• No item sublimit for barbecues or garden furniture
• Up to $8000 overall
• Up to $2000 per item
• No item sublimit for barbecues or garden furniture
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Up to 20% sum insured overall
Emergency storage
• Up to 12 months or 10% contents sum insured
• Covers moving/storing contents
• Up to 12 months or 15% contents sum insured
• Covers moving/storing contents
• Up to 12 months or 10% contents sum insured
• Covers moving/storing contents
• Up to 12 months or 10% contents sum insured
• Covers moving/storing contents
• Reasonable cost
• Paid on top of sum insured
• Covers moving/storing contents
• Reasonable cost
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 12 months or 15% contents sum insured
• Covers moving/storing contents
• Up to 12 months or 15% contents sum insured
• Covers moving/storing contents
• Reasonable cost
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 20% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Reasonable cost
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 12 months or $5000
• Covers moving/storing undamaged contents in commercial storage facility
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 10% contents sum insured
• Covers moving/storing contents
• Up to 10% contents sum insured
• Covers moving/storing contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 10% contents sum insured
• Covers moving/storing contents
• Up to 20% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 12 months or $5000
• Covers moving/storing undamaged contents in commercial storage facility
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 10% contents sum insured
• Covers moving/storing contents
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Covers removing/storing contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 18 months or 10% contents sum insured
• Covers moving/storing contents
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to remaining sum insured after claim settlement
• Covers moving and storing undamaged contents
• Up to 10% building sum insured
• Limit combined with accommodation
• Covers storing contents which will not fit in temporary accommodation
• Available after a claim for building damage
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 24 months or 20% contents sum insured
• Paid on top of sum insured
• Covers moving contents into storage and storage costs
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Up to 24 months
• Covers storage of contents
• Reasonable cost
• Paid on top of sum insured
• Covers moving/storing contents
• Reasonable cost
• Paid on top of sum insured
• Covers moving/storing contents
• Up to sum insured
• Covers removing/storing contents in commercial storage facility
• Up to sum insured
• Covers removing/storing contents in commercial storage facility
• Up to sum insured
• Covers removing/storing contents in commercial storage facility
• Up to sum insured
• Covers removing/storing contents in commercial storage facility
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to sum insured
• Covers removing/storing contents in commercial storage facility
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to 12 months
• Covers moving/storing undamaged contents
• Up to sum insured
• Covers removing/storing contents in commercial storage facility
• Up to 10% contents sum insured
• Paid on top of sum insured
• Covers moving/storing contents
• Up to 10% contents sum insured
• Covers moving/storing contents
• Up to 10% contents sum insured
• Covers moving/storing contents
• Reasonable cost
• Paid on top of sum insured
• Covers cost to move and store contents
• Reasonable cost
• Paid on top of sum insured
• Covers cost to move and store contents
• Up to 12 months or 15% contents sum insured
• Covers moving/storing contents
• Up to 12 months or 15% contents sum insured
• Covers moving/storing contents
• Up to 12 months
• Covers removing/storing contents
• Available after a claim for building damage
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
• Up to 12 months
• Covers storage of contents
Jewellery
• Up to $1000 per item
• Up to $2500 per collection
• Up to $1000 per item
• Up to $5000 per collection
• Up to $1000 per item
• Up to $2500 per collection
• Up to $1000 per item
• Up to $2500 per collection
• Up to $2500 overall
• Up to $1000 per item or collection
• Up to $5000 overall
• Up to $1000 per item or collection
• Up to $1000 per item
• Up to $5000 per collection
• Up to $1000 per item
• Up to $5000 per collection
• Up to $2500 overall
• Up to $1000 per item or collection
• Up to $40000 overall
• Up to $10000 per item or set
• Up to $5000 overall
• Up to $1000 per item or collection
• Up to $15000 overall
• Up to $2500 per item, set or pair
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $6000 overall
• Up to $2000 per item
• Up to $10000 overall
• Up to $5000 per set or piece
• Up to $6000 overall
• Up to $2000 per item
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $6000 overall
• Up to $2000 per item
• Up to $40000 overall
• Up to $10000 per item or set
• Up to $10000 overall
• Up to $1500 per item, set or pair
• Optional
• Up to $10000 overall
• Up to $3000 per item or set
• Up to $10000 overall
• Up to $3000 per item or set
• Up to $4000 overall
• Up to $2000 per item or set
• Up to $5000 overall
• Up to $2000 per item or set
• Up to $5000 overall
• Up to $2000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $5000 overall
• Up to $2000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $10000 overall
• Up to $5000 per set or piece
• Up to 20% sum insured overall
• Up to $2000 per item or set
Up to $7500 per item, set or collection
Up to $1000 per item
• Up to $4000 overall
• Up to $2000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
Up to $2500 per item, set or pair
• Up to 20% sum insured overall
• Up to $2500 per item or set
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
• Up to $2500 overall
• Up to $1000 per item or collection
• Up to $5000 overall
• Up to $1000 per item or collection
• Up to $5000 overall
• Up to $1000 per item or set
• Up to $5000 overall
• Up to $1000 per item or set
• Up to $5000 overall
• Up to $1000 per item or set
• Up to $5000 overall
• Up to $1000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $5000 overall
• Up to $1000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $5000 overall
• Up to $1000 per item or set
• Nominate a sum insured for this category
• Up to $15000 per item, set or pair
• Optional
• Up to $6000 overall
• Up to $2000 per item
• Up to $6000 overall
• Up to $2000 per item
Up to 25% sum insured overall
Up to 10% sum insured overall
• Up to 20% sum insured overall
• Up to $10000 per item, set or pair
• Up to 20% sum insured overall
• Up to $10000 per item, set or pair
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Artworks
• Up to $1000 per item
• Up to $2500 per collection
• Up to $1000 per item
• Up to $5000 per collection
• Up to $1000 per item
• Up to $2500 per collection
• Up to $1000 per item
• Up to $2500 per collection
• Up to $2500 overall
• Up to $1000 per item or collection
• Limit combined with collections
• Up to $5000 overall
• Up to $1000 per item or collection
• Limit combined with collections
• Up to $1000 per item
• Up to $5000 per collection
• Up to $1000 per item
• Up to $5000 per collection
• Up to $2500 overall
• Up to $1000 per item or collection
• Limit combined with collections
Up to $200000 overall
• Up to $5000 overall
• Up to $1000 per item or collection
• Limit combined with collections
• Up to 20% sum insured overall
• Up to $10000 per item
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $12000 overall
• Up to $2000 per item
Up to $10000 per item or set
• Up to $12000 overall
• Up to $2000 per item
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $12000 overall
• Up to $2000 per item
Up to $200000 overall
• Up to 20% sum insured overall
• Up to $10000 per item
• Up to $80000 overall
• Up to $20000 per item or set
• Up to $80000 overall
• Up to $20000 per item or set
• Up to $50000 overall
• Up to $10000 per item or set
• Up to $5000 overall
• Up to $2500 per item or set
• Up to $5000 overall
• Up to $2500 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $5000 overall
• Up to $2000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $50000 overall
• Up to $10000 per item or set
• Up to 20% sum insured overall
• Up to $2000 per item or set
Up to $7500 per item, set or collection
Up to $1000 per item
• Up to $50000 overall
• Up to $10000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
Up to $20000 per item, set or pair
• Up to 20% sum insured overall
• Up to $3000 per item or set
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
• Up to $2500 overall
• Up to $1000 per item or collection
• Limit combined with collections
• Up to $5000 overall
• Up to $1000 per item or collection
• Limit combined with collections
• Up to $12000 overall
• Up to $5000 per item or set
• Up to $12000 overall
• Up to $5000 per item or set
• Up to $12000 overall
• Up to $5000 per item or set
• Up to $25000 overall
• Up to $10000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $12000 overall
• Up to $5000 per item or set
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $12000 overall
• Up to $5000 per item or set
Up to general contents item limit per artwork
• Up to $12000 overall
• Up to $2000 per item
• Up to $12000 overall
• Up to $2000 per item
Up to sum insured overall
• Up to $5000 overall
• Up to $2000 per collection or item
• Up to 20% sum insured overall
• Up to $10000 per item, set or pair
• Limit combined with collections
• Up to 20% sum insured overall
• Up to $10000 per item, set or pair
• Limit combined with collections
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Collections (e.g. stamps, coins)
• Up to $1000 per item
• Up to $2500 per collection
• Up to $1000 per item
• Up to $5000 per collection
• Up to $1000 per item
• Up to $2500 per collection
• Up to $1000 per item
• Up to $2500 per collection
• Up to $2500 overall
• Up to $1000 per item or collection
• Limit combined with artworks
• Up to $5000 overall
• Up to $1000 per item or collection
• Limit combined with artworks
• Up to $1000 per item
• Up to $5000 per collection
• Up to $1000 per item
• Up to $5000 per collection
• Up to $2500 overall
• Up to $1000 per item or collection
• Limit combined with artworks
Up to $50000 overall
• Up to $5000 overall
• Up to $1000 per item or collection
• Limit combined with artworks
• Up to $15000 overall
• Up to $2500 per item
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
Up to $2000 overall
Up to $10000 overall
Up to $2000 overall
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
Up to $2000 overall
Up to $50000 overall
• Up to $15000 overall
• Up to $2500 per item
Up to $5000 overall
Up to $5000 overall
Up to $2000 overall
Up to $5000 overall
Up to $5000 overall
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
Up to sum insured overall
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
Up to $10000 overall
Up to $3000 overall
Up to $7500 per item, set or collection
Up to $1000 overall
Up to $2000 overall
• Up to $7500 overall
• Up to $2500 per item, set or collection
Up to $5000 per collection
Up to $3000 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
• Up to $2500 overall
• Up to $1000 per item or collection
• Limit combined with artworks
• Up to $5000 overall
• Up to $1000 per item or collection
• Limit combined with artworks
Up to $2000 per item or collection
Up to $2000 per item or collection
Up to $2000 per item or collection
Up to $2000 per item or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
Up to $2000 per item or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
• Up to $7500 overall
• Up to $2500 per item, set or collection
Up to $2000 per item or collection
Up to general contents item limit per item, set or pair
Up to $2000 overall
Up to $2000 overall
Up to sum insured overall
• Up to $5000 overall
• Up to $2000 per collection or item
• Up to 20% sum insured overall
• Up to $10000 per item, set or pair
• Limit combined with artworks
• Up to 20% sum insured overall
• Up to $10000 per item, set or pair
• Limit combined with artworks
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Digital media
• Up to $1000 per item
• Up to $2500 per collection
• Up to $1000 per item
• Up to $5000 per collection
• Up to $1000 per item
• Up to $2500 per collection
• Up to $1000 per item
• Up to $2500 per collection
• Up to $2500 overall
• Up to $1000 per item or collection
• Up to $5000 overall
• Up to $1000 per item or collection
• Up to $1000 per item
• Up to $5000 per collection
• Up to $1000 per item
• Up to $5000 per collection
• Up to $2500 overall
• Up to $1000 per item
1
• Up to $5000 overall
• Up to $1000 per item
Up to $2000 overall
Up to $2000 overall
Up to $2000 overall
Up to $5000 overall
Up to $10000 overall
Up to $5000 overall
Up to $2000 overall
Up to $2000 overall
Up to $5000 overall
1
1
1
1
Up to $1000 overall
Up to $1000 overall
Up to $2000 overall
Up to $2000 overall
Up to $5000 overall
Up to $2000 overall
Up to $2000 overall
Up to $5000 overall
1
1
Up to $2000 overall
Up to $1000 overall
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
• Up to $2500 overall
• Up to $1000 per item or collection
• Up to $5000 overall
• Up to $1000 per item or collection
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $3000 overall
Up to $2000 overall
Up to $3000 overall
Up to $2000 overall
Up to $2000 overall
Up to $3000 overall
Up to $5000 overall
Up to $5000 overall
1
• Up to $5000 overall
• Up to $2000 per item or collection
• Up to $5000 overall
• Up to $2000 per item, set or pair
• Up to $5000 overall
• Up to $2000 per item, set or pair
Up to $2500 overall
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Spoiled food
• Up to $500 overall
• Cover for failure of public electricity supply
• Up to $1000 overall
• Cover for failure of public electricity supply
• Up to $500 overall
• Cover for failure of public electricity supply
• Up to $500 overall
• Cover for failure of public electricity supply
• Up to $500 overall
• Cover for failure of public electricity supply
• Optional cover for motor burnout
• Up to $1000 overall
• Cover for failure of public electricity supply
• Optional cover for motor burnout
• Up to $1000 overall
• Cover for failure of public electricity supply
• Up to $1000 overall
• Cover for failure of public electricity supply
• Up to $500 overall
• Cover for failure of public electricity supply
• Optional cover for motor burnout
• Up to $500 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $1000 overall
• Cover for failure of public electricity supply
• Optional cover for motor burnout
• Up to $1500 overall
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Up to $1000 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $500 overall
• Cover for unit failure, motor burnout and failure of public electricity supply
• Up to $1000 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Up to $1000 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $500 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $1500 overall
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $500 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $500 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $400 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $400 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Cover for insured events, unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Cover for insured events, unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Up to $500 overall
• Cover for failure of power supply and damage to refridgerator or freezer
• Cover for insured events, unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Cover for insured events, unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Up to $750 overall
• Cover for insured events, unit failure, motor burnout and failure of public electricity supply
• Up to $500 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $1000 overall
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• No cover for industrial action, a deliberate act of a power supply authority, breakdown or failure of any motor more than 10 years old or accidental or deliberate disconnection or switching off the electricity supply by you
• Up to $1000 overall
• Cover for unit failure and failure of public electricity supply
• Up to $500 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $1000 overall
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Up to $500 overall
• Cover for unit failure and failure of electricity supply
• Up to $500 overall
• Cover for unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $2000 overall
• Cover for motor burnout and interruption to electricity supply caused by insured event
• Up to $500 overall
• Cover for failure of public electricity supply
• Optional cover for motor burnout
• Up to $1000 overall
• Cover for failure of public electricity supply
• Optional cover for motor burnout
• Up to $500 overall
• Cover for insured events
• Optional cover for motor burnout
• Up to $500 overall
• Cover for insured events
• Optional cover for motor burnout
• Up to $500 overall
• Cover for insured events
• Optional cover for motor burnout
• Up to $500 overall
• Cover for insured events
• Optional cover for motor burnout
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Up to $500 overall
• Cover for insured events
• Optional cover for motor burnout
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster
• Up to $500 overall
• Cover for insured events
• Optional cover for motor burnout
1
• Up to $1000 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $1000 overall
• Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
• Up to $1000 overall
• Cover for motor burnout
• Up to $500 overall
• Cover for motor burnout
• Up to $2000 overall
• Cover for failure of public electricity supply
• Up to $2000 overall
• Cover for failure of public electricity supply
• Up to $500 overall
• Cover for interruption of electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
• Up to $500 overall
• Cover for interruption to electricity supply caused by insured event
• Optional cover for motor burnout
Visitors' contents
Up to $2500 overall
Up to $5000 overall
Up to $2500 overall
Up to $2500 overall
Up to $500 overall
Up to $1000 overall
Up to $5000 overall
Up to $5000 overall
Up to $500 overall
Up to $1000 overall
Up to $5000 overall
Up to $5000 overall
Up to $5000 overall
Up to $5000 overall
Up to $500 overall
• Up to $5000 overall
• Optional
Up to $500 overall
Up to $5000 overall
Up to $5000 overall
Up to $500 overall
Up to $2500 overall
Up to $5000 overall
Up to $5000 overall
Up to $500 overall
Up to $5000 overall
Up to $5000 overall
Up to $1000 overall
Up to $5000 overall
Up to $1000 overall
Up to $5000 overall
Up to 30 days and $2000 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $500 overall
Up to $1000 overall
Up to $500 overall
Up to $500 overall
Up to $500 overall
Up to $1000 overall
Up to $5000 overall
Up to $500 overall
Up to $5000 overall
Up to $5000 overall
Up to $500 overall
Up to $1000 overall
Up to $500 overall
Up to $500 overall
Up to $2000 overall
Up to $500 overall
Up to $5000 overall
Up to $5000 overall
Up to $500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Up to $2500 overall
Pet cover
• Up to $2000 overall
• Cover for accidental injury
• Optional
• Up to $1000 overall
• Cover for vehicle impact
• Up to $500 overall
• Cover for road accident injury
• Up to $500 overall
• Cover for road accident injury
• Up to $500 overall
• Cover for road accident injury
• Up to $500 overall
• Cover for accidental injury, illness
• Optional
• Up to $500 overall
• Cover for road accident injury
• Up to $500 overall
• Cover for road accident injury
• Up to $750 overall
• Cover for accidental injury, disease, illness, ongoing treatments
• Optional
• Up to $2000 overall
• Cover for accidental injury
• Optional
• Up to $1000 overall
• Cover for vehicle impact
• Up to $2000 overall
• Cover for accidental injury
• Optional
• Up to $2000 overall
• Cover for accidental injury
• Optional
• Up to $2000 overall
• Cover for accidental injury
• Optional
• Up to $500 overall
• Cover for road accident injury
• Up to $500 overall
• Cover for road accident injury
• Up to $500 overall
• Cover for road accident injury
• Up to $500 overall
• Cover for road accident injury
• Up to $2000 overall
• Cover for accidental injury
• Optional
• Up to $500 overall
• Cover for road accident injury
• Up to $500 overall
• Cover for road accident injury
• Up to $500 overall
• Cover for road accident injury
• Up to $500 overall
• Cover for road accident injury
Overlapping cover at a new house
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 60 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Up to 14 days cover at both addresses
Cover for contents while moving house
• Up to 20% contents sum insured overall
• Cover for overturning of removal vehicle, collision and fire
• Up to contents sum insured overall
• Cover for overturning of removal vehicle, collision and fire
• Up to 20% contents sum insured overall
• Cover for overturning of removal vehicle, collision and fire
• Up to 20% contents sum insured overall
• Cover for overturning of removal vehicle, collision and fire
• Up to 20% contents sum insured overall
• Cover for collision, overturning or theft of removal vehicle; accident involving removal vehicle and fire
• Up to contents sum insured overall
• Cover for overturning of removal vehicle, collision and fire
• Up to contents sum insured overall
• Cover for overturning of removal vehicle, collision and fire
• Up to contents sum insured overall
• Cover for collision, overturning or theft of removal vehicle; accident involving removal vehicle; fire and flood
• Up to 20% contents sum insured overall
• Cover for overturning of removal vehicle, collision and fire
• Up to contents sum insured overall
• Cover for overturning of removal vehicle, accident involving removal vehicle, fire and theft involving forcible entry to removal vehicle
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Cover for fire, flood, road accident and water runoff
• Up to contents sum insured overall
• Cover for collision or overturning of removal vehicle and fire
• Up to contents sum insured overall
• Cover for fire, flood, road accident and water runoff
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Cover for fire, flood, road accident and water runoff
• Up to contents sum insured overall
• Cover for collision, overturning or theft of removal vehicle; accident involving removal vehicle; fire and flood
• Up to contents sum insured overall
• Cover for overturning of removal vehicle, accident involving removal vehicle, fire and theft involving forcible entry to removal vehicle
• Up to contents sum insured overall
• Cover for collision, overturning or theft of removal vehicle; accident involving removal vehicle; fire and flood
• Up to contents sum insured overall
• Cover for collision, overturning or theft of removal vehicle; accident involving removal vehicle; fire and flood
• Up to contents sum insured overall
• Cover for collision, overturning or theft of removal vehicle; accident involving removal vehicle; fire and flood
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Cover for collision, overturning or theft of removal vehicle and fire
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Cover for overturning of removal vehicle, collision and fire
• Up to contents sum insured overall
• Cover for accident, collision, overturning or theft of removal vehicle; fire and flood
• Up to contents sum insured overall
• Cover for collision, overturning or theft of removal vehicle; accident involving removal vehicle; fire and flood
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Cover for collision, flooding or overturning of removal vehicle; fire and theft with forcible entry
• Up to contents sum insured overall
• Cover for accident, collision, overturning or theft of removal vehicle; fire and flood
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to 20% contents sum insured overall
• Cover for overturning of removal vehicle, collision and fire
• Up to 20% contents sum insured overall
• Cover for overturning of removal vehicle, collision and fire
• Up to 20% contents sum insured overall
• Cover for overturning of removal vehicle, collision and fire
• Up to 20% contents sum insured overall
• Cover for overturning of removal vehicle, collision and fire
• Up to 20% contents sum insured overall
• Cover for overturning of removal vehicle, collision and fire
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to 20% contents sum insured overall
• Cover for overturning of removal vehicle, collision and fire
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to contents sum insured overall
• Included in optional accidental damage cover
• Up to 20% contents sum insured overall
• Cover for overturning of removal vehicle, collision and fire
• Up to 20% contents sum insured overall
• Cover for accident involving removal vehicle and fire
• Up to contents sum insured overall
• Cover for fire, flood, road accident and water runoff
• Up to contents sum insured overall
• Cover for fire, flood, road accident and water runoff
• Up to 20% contents sum insured overall
• Cover for collision or overturning of vehicle carrying contents and fire
• Up to contents sum insured overall
• Cover for overturning of removal vehicle, collision and fire
• Up to contents sum insured overall
• Cover for overturning of removal vehicle, collision and fire
• Up to contents sum insured overall
• Cover for collision, fire and theft from removal vehicle
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage
• Up to contents sum insured overall
• Cover for collision of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunami
• Up to $10000 for accidental damage