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Description
Insurer
COTA
Policy
Home and Contents
Provider
Allianz Australia Insurance Limited
About the insurer
COTA
Cover summary
Building cover
Nominate a sum insured for your building
Contents cover
Nominate a sum insured for your contents
Legal liability
u0026#149; Up to $20 millionu003cbru003eu0026#149; Cover for people named on the policy, plus their family members living with themu003cbru003eu0026#149; Cover for incidents worldwide
Cost
Same price to pay monthly
1
ACT price comparison
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NSW price comparison
N/A
NT price comparison
N/A
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
u0026#149; Covers theft, attempted theft, burglary and attempted burglaryu003cbru003eu0026#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 and smokeu003cbru003eu0026#149; Accidental damage option covers scorching/meltingu003cbru003eu0026#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/expansion of earth or hydrostatic pressureu003cbru003eu0026#149; 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 domesu003cbru003eu0026#149; No cover for cleaning mud/debris out of tanks, swimming pools or spasu003cbru003eu0026#149; Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damageu003cbru003eu0026#149; 72 hour waiting period
Storm and cyclone
u0026#149; Covers storm, cyclone and rainwateru003cbru003eu0026#149; Accidental damage option covers rainwater, run-off, hail, wind or water entering building through opening not made by the stormu003cbru003eu0026#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 pressureu003cbru003eu0026#149; No cover for damage to trees, shrubs and plants in ground; retaining walls; or swimming pool/spa covers, liners and solar domesu003cbru003eu0026#149; No cover for damage caused by rainwater to external paintwork or other exterior coatingsu003cbru003eu0026#149; No cover for cleaning mud/debris out of tanks, swimming pools or spasu003cbru003eu0026#149; Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damageu003cbru003eu0026#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 external aerial or satellite dishes collapsing or breakingu003cbru003eu0026#149; Covers damage caused by animals (except pets kept in the home)u003cbru003eu0026#149; Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satelliteu003cbru003eu0026#149; No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
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 impact damage caused by domestic pets kept in buildingu003cbru003eu0026#149; No cover for damage caused by birds or insects
Escape of liquid
Breakage
Accidental damage
u0026#149; Optionalu003cbru003eu0026#149; Covers accidental loss and damage to home and contentsu003cbru003eu0026#149; 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 drainu003cbru003eu0026#149; Covers scorching and meltingu003cbru003eu0026#149; Covers accidental breakage of ceramic tilesu003cbru003eu0026#149; Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tabletsu003cbru003eu0026#149; Up to 90 days cover for contents anywhere in Australiau003cbru003eu0026#149; 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
Claims
Out-of-hours claiming
Online and 24/7 phone
How the insurer can settle your claim
u0026#149; Repair damaged propertyu003cbru003eu0026#149; Replace damaged propertyu003cbru003eu0026#149; Pay you the property's replacement value, up to your sum insured or other sublimits
Cash settlement for building claims
Customer cost
Cash settlement for contents claims
u0026#149; Customer 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))
Building
Motor burnout
u0026#149; Motors up to 10 yearsu003cbru003eu0026#149; Optional
Keys and locks after break-in
Up to $1000 overall
Gardens and landscaping
u0026#149; Up to $5000 overallu003cbru003eu0026#149; No cover for cyclone, flood, rainwater or run-off, storm or tsunami
Costs to comply with building regulations
u0026#149; Up to $5000 overallu003cbru003eu0026#149; Paid on top of sum insured
Professional fees
u0026#149; Up to $5000 overallu003cbru003eu0026#149; Paid on top of sum insured
Mortgage discharge fees
Debris removal and demolition
u0026#149; Up to 10% sum insured overallu003cbru003eu0026#149; Paid on top of sum insured
Temporary accommodation
u0026#149; Up to 12 months or 10% sum insuredu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Building claims: covers rental accommodation for you and your petsu003cbru003eu0026#149; Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contentsu003cbru003eu0026#149; Up to $500 for pet boarding
Contents
Cover for unspecified portable contents
u0026#149; Covers some items for theft and accidental loss/damageu003cbru003eu0026#149; Choose overall limit from $1000u0026#150;$7500u003cbru003eu0026#149; Choose limit from $500u0026#150;$2000 per itemu003cbru003eu0026#149; Covered anywhere in Australia, and for up to 120 days in rest of the worldu003cbru003eu0026#149; $100 excessu003cbru003eu0026#149; Optional
Optional cover for individual portable valuables
u0026#149; Cover for theft and accidental loss/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 $2000 overall
Emergency storage
u0026#149; Up to 12 monthsu003cbru003eu0026#149; Covers moving/storing undamaged contents
Jewellery
u0026#149; Up to $7500 overallu003cbru003eu0026#149; Up to $2500 per item, set or collection
Artworks
u0026#149; Up to $7500 overallu003cbru003eu0026#149; Up to $2500 per item, set or collection
Collections (e.g. stamps, coins)
u0026#149; Up to $7500 overallu003cbru003eu0026#149; Up to $2500 per item, set or collection
Digital media
Up to $2000 overall
Spoiled food
u0026#149; Cover for unit failure, escape of refrigerant fumes and failure of public electricity supplyu003cbru003eu0026#149; Up to $500 for natural disaster
Visitors' contents
Up to $5000 overall
Pet cover
u0026#149; Up to $500 overallu003cbru003eu0026#149; Cover for road accident injury
Overlapping cover at a new house
Up to 14 days cover at both addresses
Cover for contents while moving house
u0026#149; Up to contents sum insured overallu003cbru003eu0026#149; Included in optional accidental damage cover
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