u0026#149; Nominate a sum insured for your buildingu003cbru003eu0026#149; 10% underinsurance safety net
Contents cover
u0026#149; Nominate a sum insured for your contentsu003cbru003eu0026#149; 10% underinsurance safety net
Legal liability
u0026#149; Up to $20 millionu003cbru003eu0026#149; Cover for people named on the policyu003cbru003eu0026#149; Cover for incidents in Australia and New Zealand
Cost
Same price to pay monthly
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ACT price comparison
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NT price comparison
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SA 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 and burglaryu003cbru003eu0026#149; No cover for theft from homes being renovated/rebuilt involving interference with roof/external wallu003cbru003eu0026#149; No cover for theft by guests, residents or someone entering home with consent of resident/guestu003cbru003eu0026#149; Up to $1000 for stolen credit/ATM card fraud
Fire
u0026#149; Covers fire; bushfire; and smoke, scorching or heatu003cbru003eu0026#149; 48 hour waiting period for bushfire
Flood
u0026#149; Covers flood, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movementu003cbru003eu0026#149; No cover for damage caused by underground (hydrostatic) water, deliberate/malicious damage or destruction of a reservoir or damu003cbru003eu0026#149; No cover for damage to wharves, jetties, pontoons, sea walls, swimming pools, spas, pool/spa covers or liners, glasshouses, greenhouses or unsealed paths/drivewaysu003cbru003eu0026#149; Up to 10% building sum insured for gates, paths, paving, fences, driveways, garden borders and freestanding and retaining wallsu003cbru003eu0026#149; No cover for water in tanks, swimming pools or spasu003cbru003eu0026#149; Paths, driveways, garden borders, paving, freestanding or retaining walls, gates or fences not covered if not structurally sound and reasonably maintainedu003cbru003eu0026#149; Damage to paint not covered when flood does not cause structural damage to other parts of homeu003cbru003eu0026#149; 72 hour waiting period
Storm and cyclone
u0026#149; Covers storm, rainwater runoff, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movementu003cbru003eu0026#149; No cover for damage caused by rain, hail or wind entering home through open windows, doors or skylights; or underground (hydrostatic) wateru003cbru003eu0026#149; No cover for damage to tennis courts, wharves, jetties, pontoons, swimming pools, spas, pool/spa covers or liners, glasshouses, greenhouses or unsealed paths/drivewaysu003cbru003eu0026#149; Up to 10% building sum insured for gates, paths, paving, fences, driveways, garden borders and freestanding and retaining wallsu003cbru003eu0026#149; Gates and fences not covered for wind damage if not structurally sound and reasonably maintainedu003cbru003eu0026#149; Paths, driveways, garden borders, paving, freestanding or retaining walls not covered if not structurally sound and reasonably maintainedu003cbru003eu0026#149; 48 hour waiting period
Storm surge
Covers storm surge, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement
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 vehicles, caravans or watercraftu003cbru003eu0026#149; Covers damage caused by satellite dishes and television or radio aerials breaking or collapsingu003cbru003eu0026#149; Covers damage caused by falling debris from space, aircraft, rockets or satellitesu003cbru003eu0026#149; Covers damage to contents caused by ceiling collapseu003cbru003eu0026#149; No cover for damage caused by roots of trees, plants, hedges or shrubsu003cbru003eu0026#149; No cover for damage caused by lopping or felling trees by or at the request of a resident, guest or insuredu003cbru003eu0026#149; No cover for damage to paths, paving or underground services caused by road vehiclesu003cbru003eu0026#149; Does not cover costs to remove fallen trees or branches that have not caused damage to the building
Animal damage
u0026#149; Covers damage caused by animalsu003cbru003eu0026#149; Covers fire caused by birds, insects, mice, rabbits, rats, reptiles, spiders, termites or verminu003cbru003eu0026#149; No cover for damage caused by pets at the home with permission or pets owned/kept/cared for by residents or guests
Escape of liquid
Breakage
Accidental damage
u0026#149; Optionalu003cbru003eu0026#149; Cover only available for contentsu003cbru003eu0026#149; Choose overall limit from $2000u0026#150;$5000u003cbru003eu0026#149; $250 excessu003cbru003eu0026#149; No cover for cashu003cbru003eu0026#149; No cover for contents that have been misplaced, mislaid or missing where you are unable to identify where the loss occurredu003cbru003eu0026#149; No cover for tools of trade or sporting equipment while in useu003cbru003eu0026#149; Up to 60 days cover for accidental damage and theft of contents anywhere in Australia and New Zealandu003cbru003eu0026#149; No cover for damage caused intentionallyu003cbru003eu0026#149; 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
Claims
Out-of-hours claiming
Online
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
u0026#149; Customer cost if insurer offers cashu003cbru003eu0026#149; Insurer cost if you ask for cash (may be less than retail 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
1
Building
Motor burnout
Motors up to 10 years
Keys and locks after break-in
Up to $1000 overall
Gardens and landscaping
Costs to comply with building regulations
Reasonable cost
Professional fees
Reasonable cost
Mortgage discharge fees
Debris removal and demolition
u0026#149; Reasonable costu003cbru003eu0026#149; Building only
Temporary accommodation
u0026#149; Up to 12 months or 10% sum insuredu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Covers temporary accommodation for people living at the address
Contents
Cover for unspecified portable contents
u0026#149; Covers general contents for theft and accidental loss/damageu003cbru003eu0026#149; Choose overall limit from $2000u0026#150;$5000u003cbru003eu0026#149; Covered anywhere for up to 60 days in Australia and New Zealandu003cbru003eu0026#149; $250 excessu003cbru003eu0026#149; Optional
Optional cover for individual portable valuables
u0026#149; Cover for theft and accidental loss/damageu003cbru003eu0026#149; Covered away from home worldwideu003cbru003eu0026#149; $0 excess
Contents in the open air
Up to $3000 overall
Emergency storage
Jewellery
u0026#149; Up to $10000 overallu003cbru003eu0026#149; Up to $5000 per set or piece
Artworks
Up to $10000 per item or set
Collections (e.g. stamps, coins)
Up to $10000 overall
Digital media
Up to $10000 overall
Spoiled food
u0026#149; Up to $500 overallu003cbru003eu0026#149; Cover for unit failure, motor burnout and failure of public electricity supply
Visitors' contents
u0026#149; Up to $5000 overallu003cbru003eu0026#149; Optional
Pet cover
u0026#149; Up to $500 overallu003cbru003eu0026#149; Cover for accidental injury, illnessu003cbru003eu0026#149; Optional
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 collision or overturning of removal vehicle and fire
Reviews you can trust
Results for paid members only
