u0026#149; Up to $20 millionu003cbru003eu0026#149; Cover for people named on the policy, plus their family members living with themu003cbru003eu0026#149; Cover for incidents worldwide
Renters liability
Cost
Same price to pay monthly
1
ACT price comparison
$
NSW price comparison
$
NT price comparison
N/A
North Queensland price comparison
$
South Queensland price comparison
$$
SA price comparison
$$
Tasmania price comparison
$$$
Victoria price comparison
$
WA price comparison
$
Covered events
Theft
u0026#149; Covers theft, attempted theft, burglary and attempted burglaryu003cbru003eu0026#149; Covers theft from locked basement storage cagesu003cbru003eu0026#149; No cover for theft from common areasu003cbru003eu0026#149; No cover for theft by residents, people employed at the home, people invited into the home or people acting with the insured's consentu003cbru003eu0026#149; Up to $500 for security firm callout
Fire
u0026#149; Covers fire, bushfire, grassfire, smoke, ash and sootu003cbru003eu0026#149; Accidental damage option covers melting and scorchingu003cbru003eu0026#149; 72 hour waiting period for bushfire and grassfire
Flood
u0026#149; Covers flood, run-off and flood water combined with run-off or rainwateru003cbru003eu0026#149; Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of floodu003cbru003eu0026#149; No cover for damage caused by shrinkage or expansion of earthu003cbru003eu0026#149; 72 hour waiting period
Storm and cyclone
u0026#149; Covers storm, cyclone, rainwater and run-offu003cbru003eu0026#149; 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)u003cbru003eu0026#149; Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of stormu003cbru003eu0026#149; 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 tearu003cbru003eu0026#149; 72 hour waiting period for cyclone
Storm surge
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
u0026#149; Covers damage caused by falling trees or parts of treesu003cbru003eu0026#149; Covers damage caused by motor vehicles, trains or watercraftu003cbru003eu0026#149; Covers damage caused by power polesu003cbru003eu0026#149; Covers damage caused by satellite dishes; antennas; solar panels; rooftop hot water tanks; or items on a roof if it collapses or breaksu003cbru003eu0026#149; Covers damage caused by animals (except pets kept at the home)u003cbru003eu0026#149; Covers damage caused by aircraft; drones; falling objects; space debris; or anything dropped from an aircraft or droneu003cbru003eu0026#149; No cover for damage caused by cutting or chopping trees, or parts of trees, at your addressu003cbru003eu0026#149; Does not cover costs to remove trees or branches when there is no damage to buildings or contentsu003cbru003eu0026#149; Does not cover costs to remove tree stumps unless required to allow for repairs or rebuilding
Animal damage
u0026#149; Covers impact damage caused by animalsu003cbru003eu0026#149; Covers fire and water/liquid damage caused by vermin (including u0022native verminu0022 e.g. possums)u003cbru003eu0026#149; No cover for damage caused by birds, insects or pets kept at the address
Escape of liquid
Breakage
Accidental damage
u0026#149; Optionalu003cbru003eu0026#149; Covers accidental loss and damage to your contentsu003cbru003eu0026#149; Covers water damage caused by a sink, bath or basin overflowing due to a tap being left running with the plug left in the drainu003cbru003eu0026#149; 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)u003cbru003eu0026#149; Covers scorching and meltingu003cbru003eu0026#149; Covers accidental breakage of glass in computer monitors, laptops, mobile phones, smart watches and tablets where there is no other damage caused to the itemu003cbru003eu0026#149; Covers accidental breakage of glass in crockery, porcelain, china, hand mirrors, glassware and crystal or glass in clocks, vases and ornamentsu003cbru003eu0026#149; Covers jewellery, watches, laptops, portable electronic items, mobile phones and gold and silver items outside or in the open air
Claims
Out-of-hours claiming
Online and 24/7 phone
How the insurer can settle your claim
u0026#149; Repair damaged itemsu003cbru003eu0026#149; Replace damaged itemsu003cbru003eu0026#149; Pay you the item's replacement value, up to your sum insured or other sublimits
Cash settlement
u0026#149; Customer cost if insurer offers cashu003cbru003eu0026#149; Insurer cost if you ask for cash (may be less than retail cost)u003cbru003eu0026#149; Insurer may offer non-cash alternatives
New for old contents replacement
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
Contents
Cover for unlisted portable contents
u0026#149; Covers some items for accidental loss or damageu003cbru003eu0026#149; Up to $5000 overallu003cbru003eu0026#149; Up to $1000 per itemu003cbru003eu0026#149; Covered anywhere in Australia, and for up to 90 days in rest of the worldu003cbru003eu0026#149; $100 excessu003cbru003eu0026#149; Optional
Optional cover for specially listed valuables
u0026#149; Cover for accidental loss or damageu003cbru003eu0026#149; Covered anywhere in Australia, and for up to 120 days in rest of the worldu003cbru003eu0026#149; $100 excess
Contents in the open air
Up to 20% sum insured overall
Temporary accommodation
u0026#149; Up to 10% sum insuredu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Covers rental accommodation for you and your pets, utility connection costs, mail redirection, and rental bond
Debris removal
u0026#149; Up to 10% sum insured overallu003cbru003eu0026#149; Paid on top of sum insured
Emergency storage
u0026#149; Up to remaining sum insured after claim settlementu003cbru003eu0026#149; Covers moving and storing undamaged contents
Keys and locks after break-in
Up to $2000 overall
Motor burnout
u0026#149; Motors up to 10 yearsu003cbru003eu0026#149; Optional
Jewellery
Up to $7500 per item, set or collection
Artworks
Up to $7500 per item, set or collection
Collections (e.g. stamps, coins)
Up to $7500 per item, set or collection
Digital media
Spoiled food
u0026#149; Up to $1000 overallu003cbru003eu0026#149; Cover for unit failure, escape of refrigerant fumes and failure of public electricity supplyu003cbru003eu0026#149; 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
Visitors' contents
Up to $5000 overall
Pet cover
Permanent fixtures
u0026#149; Up to sum insured overallu003cbru003eu0026#149; Covers fixtures, fittings and structural improvements not insurable by the body corporateu003cbru003eu0026#149; Covered fixtures include fixed ceiling, wall and floor coverings; fixed domestic appliances that are permanently connected to electricity; toilets; baths; showers; sinks; taps; ceiling fans; light fittings; built-in furniture; clotheslines; built-in barbecues; carpets; floating floors; curtains; blinds; awnings; gas or water; air conditioners; heating systems; ovens; dishwashers; hot water systems; plumbed in refrigerators and fixed satellite dishes and antennas
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