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Huddle Basic (strata owners)

Sum insured policy. Provided by Hollard. Available in ACT, NSW, Qld, SA, Tas, Vic u0026 WA

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Description

Insurer
Huddle
Policy
Basic (strata owners)
Owner type
Strata owners
Provider
The Hollard Insurance Company Pty Ltd
About the insurer
Huddle

Cover summary

Contents cover
Nominate a sum insured for your contents
Legal liability
u0026#149; Up to $20 millionu003cbru003eu0026#149; Cover for people named on the policy, plus their family members living with themu003cbru003eu0026#149; Cover for incidents in Australia
Renters liability

Cost

Same price to pay monthly
ACT price comparison
$
NSW price comparison
$
NT price comparison
N/A
North Queensland price comparison
N/A
South Queensland price comparison
$
SA price comparison
$$$
Tasmania price comparison
$$$
Victoria price comparison
$
WA price comparison
$

Covered events

Theft
u0026#149; Covers theft and attempted theftu003cbru003eu0026#149; No cover for theft from common propertyu003cbru003eu0026#149; No cover for theft by residents or someone at the site with consent of residentsu003cbru003eu0026#149; Up to $2500 for stolen and fraudulently used credit cards
Fire
u0026#149; Covers fire and bushfireu003cbru003eu0026#149; Up to $500 for fire brigade chargesu003cbru003eu0026#149; 72 hour waiting period for bushfire
Flood
u0026#149; Coveredu003cbru003eu0026#149; Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of floodu003cbru003eu0026#149; Flood excess: greater of $500 or your basic excessu003cbru003eu0026#149; 72 hour waiting period
Storm and cyclone
u0026#149; Covers storm, cyclone, tornado, lightning, hail and snowu003cbru003eu0026#149; Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of stormu003cbru003eu0026#149; No cover for damage caused by water seeping/percolating into buildingu003cbru003eu0026#149; 72 hour waiting period
Storm surge
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
u0026#149; Covers damage caused by falling trees or branchesu003cbru003eu0026#149; Covers damage caused by motor vehicles, trailers or watercraftu003cbru003eu0026#149; Covers damage caused by power or communication polesu003cbru003eu0026#149; Covers damage caused by satellite dishes and television or radio aerials breaking or collapsingu003cbru003eu0026#149; Covers damage caused by aircraft or debris falling from spaceu003cbru003eu0026#149; No cover for damage caused by tree rootsu003cbru003eu0026#149; No cover for damage caused by tree felling or lopping at the siteu003cbru003eu0026#149; No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipmentu003cbru003eu0026#149; Does not cover costs to remove tree stumps from the groundu003cbru003eu0026#149; Does not cover costs to remove trees which have fallen but not damaged the home
Animal damage
Escape of liquid
Breakage
Accidental damage

Claims

Out-of-hours claiming
Online and 24/7 phone
How the insurer can settle your claim
u0026#149; Repair damaged itemsu003cbru003eu0026#149; Replace damaged itemsu003cbru003eu0026#149; Pay you the item's replacement value, up to your sum insured or other sublimits
Cash settlement
u0026#149; Customer cost if insurer offers cashu003cbru003eu0026#149; Insurer cost if you ask for cash (may be less than retail cost)
New for old contents replacement
Yes (excludes clothing, computers over 4 years old, household linen, items out of use (eg stored away) and shoes)

Contents

Cover for unlisted portable contents
Optional cover for specially listed valuables
u0026#149; Cover for insured events (not accidental loss/damage)u003cbru003eu0026#149; No cover for disappearance when cause cannot be establishedu003cbru003eu0026#149; Covered anywhere in Australiau003cbru003eu0026#149; $100 excess
Contents in the open air
u0026#149; Up to $4000 overallu003cbru003eu0026#149; Up to $1000 per itemu003cbru003eu0026#149; No item sublimit for barbecues or garden furniture
Temporary accommodation
u0026#149; Up to 12 months or 20% sum insuredu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Covers temporary accommodation for your family
Debris removal
u0026#149; Up to 10% sum insured overallu003cbru003eu0026#149; Paid on top of sum insured
Emergency storage
Keys and locks after break-in
Up to $750 overall
Motor burnout
Jewellery
u0026#149; Up to $1000 per itemu003cbru003eu0026#149; Up to $2500 per collection
Artworks
u0026#149; Up to $1000 per itemu003cbru003eu0026#149; Up to $2500 per collection
Collections (e.g. stamps, coins)
u0026#149; Up to $1000 per itemu003cbru003eu0026#149; Up to $2500 per collection
Digital media
u0026#149; Up to $1000 per itemu003cbru003eu0026#149; Up to $2500 per collection
Spoiled food
u0026#149; Up to $500 overallu003cbru003eu0026#149; Cover for failure of public electricity supply
Visitors' contents
Up to $2500 overall
Pet cover
Permanent fixtures
u0026#149; Up to sum insured overallu003cbru003eu0026#149; Covers fixtures not insurable by body corporate
Overlapping cover at a new house
Up to 14 days cover at both addresses
Cover for contents while moving house
u0026#149; Up to 20% contents sum insured overallu003cbru003eu0026#149; Cover for overturning of removal vehicle, collision and fire

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