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Description
Insurer
Huddle
Policy
Comprehensive
Provider
The Hollard Insurance Company Pty Ltd
About the insurer
Huddle
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 in Australia
Cost
Same price to pay monthly
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
u0026#149; Covers theft and attempted theftu003cbru003eu0026#149; No cover for theft from unoccupied homesu003cbru003eu0026#149; No cover for theft by residents or someone at the site with consent of residentsu003cbru003eu0026#149; Up to $5000 for stolen and fraudulently used credit cards
Fire
u0026#149; Covers fire, bushfire and application of heat where there is no flameu003cbru003eu0026#149; Up to $750 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; 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/drivewaysu003cbru003eu0026#149; No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spasu003cbru003eu0026#149; Fences and gates not covered unless structurally sound/well maintainedu003cbru003eu0026#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; 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/drivewaysu003cbru003eu0026#149; No cover for cracking to any outdoor surfaces or gradual deterioration due to rainwateru003cbru003eu0026#149; Covers professionally installed external shade cloths/sails up to 5 years oldu003cbru003eu0026#149; No cover for replacing pool/spa water and cleaning/removing mud or debris from pools/spasu003cbru003eu0026#149; Fences and gates not covered unless structurally sound/well maintainedu003cbru003eu0026#149; Damage to external paintwork not covered if this is the only damage to that part of the homeu003cbru003eu0026#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
u0026#149; Covered by defaultu003cbru003eu0026#149; Covers accidental loss and damage to home and contentsu003cbru003eu0026#149; No cover for breakage of glass in conservatories or glasshouses or forming part of stovetops, cooking surfaces, heaters or oven doorsu003cbru003eu0026#149; No cover for damage to swimming pools caused by or contributed by you lowering the level of water in the poolu003cbru003eu0026#149; No cover for chipping, denting or scratching caused by normal use
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)
New for old contents replacement
Yes (excludes clothing, computers over 4 years old, household linen, items out of use (eg stored away) and shoes)
Building
Motor burnout
Keys and locks after break-in
Up to $1500 overall
Gardens and landscaping
u0026#149; Up to $1500 overallu003cbru003eu0026#149; Cover for fire, malicious damage, theft and vehicle damage
Costs to comply with building regulations
Professional fees
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% building sum insuredu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Covers temporary accommodation for your family
Contents
Cover for unspecified portable contents
Optional cover for individual portable valuables
u0026#149; Cover for insured events (including 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 $8000 overallu003cbru003eu0026#149; Up to $2000 per itemu003cbru003eu0026#149; No item sublimit for barbecues or garden furniture
Emergency storage
u0026#149; Up to 12 months or 15% contents sum insuredu003cbru003eu0026#149; Covers moving/storing contents
Jewellery
u0026#149; Up to $1000 per itemu003cbru003eu0026#149; Up to $5000 per collection
Artworks
u0026#149; Up to $1000 per itemu003cbru003eu0026#149; Up to $5000 per collection
Collections (e.g. stamps, coins)
u0026#149; Up to $1000 per itemu003cbru003eu0026#149; Up to $5000 per collection
Digital media
u0026#149; Up to $1000 per itemu003cbru003eu0026#149; Up to $5000 per collection
Spoiled food
u0026#149; Up to $1000 overallu003cbru003eu0026#149; Cover for failure of public electricity supply
Visitors' contents
Up to $5000 overall
Pet cover
Overlapping cover at a new house
Up to 14 days cover at both addresses
Cover for contents while moving house
u0026#149; Up to contents sum insured overallu003cbru003eu0026#149; Cover for overturning of removal vehicle, collision and fire
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