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Recommended
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CHOICE Expert Rating
Members only
Cover score
Members only
Price score
Members only
Customer satisfaction
N/A
Description
Insurer
The Mutual Bank
Policy
Home Contents Plus (strata owners)
Owner type
Strata owners
Provider
Insurance Australia Limited
About the insurer
The Mutual Bank
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
1
ACT price comparison
N/A
NSW price comparison
N/A
NT price comparison
N/A
North Queensland price comparison
N/A
South Queensland price comparison
N/A
SA price comparison
N/A
Tasmania price comparison
N/A
Victoria price comparison
N/A
WA price comparison
N/A
Covered events
Theft
u0026#149; Covers theft and attempted theftu003cbru003eu0026#149; No cover for theft by residents or someone at the site with consent of residents
Fire
u0026#149; Covers fire and bushfireu003cbru003eu0026#149; Three day waiting period for bushfire and grassfire
Flood
u0026#149; Covers flood and rainwater run-offu003cbru003eu0026#149; Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood or rainwater run-offu003cbru003eu0026#149; 14 day waiting period for floodu003cbru003eu0026#149; Three day waiting period for rainwater run-off
Storm and cyclone
u0026#149; Coveredu003cbru003eu0026#149; Covers landslide and subsidence but must occur as a direct result and within 72 hours of stormu003cbru003eu0026#149; 3 day waiting period
Storm surge
u0026#149; Coveredu003cbru003eu0026#149; Covers landslide and subsidence but must occur as a direct result and within 72 hours of storm surgeu003cbru003eu0026#149; 3 day waiting period
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
u0026#149; Covers damage caused by trees or branchesu003cbru003eu0026#149; Covers damage caused by tree cutting, lopping or felling at the site, if performed by a professionalu003cbru003eu0026#149; Covers damage caused by vehicles or watercraftu003cbru003eu0026#149; Covers damage caused by masts or flagpolesu003cbru003eu0026#149; Covers damage caused by external aerials or satellite dishesu003cbru003eu0026#149; Covers damage caused by aircraft; or debris from space, aircraft, rockets and satellitesu003cbru003eu0026#149; Covers costs to cut down and remove tree and treat stumps so they don't grow, if tree causes damage to building and qualified expert agrees it needs to be removedu003cbru003eu0026#149; Does not cover costs to remove stumpsu003cbru003eu0026#149; Does not cover costs to cut down or remove tree, if it didn't cause damage
Animal damage
u0026#149; Covers damage caused by animals not kept at the siteu003cbru003eu0026#149; No cover for damage caused by bats, insects, mice, possums, rats, termites, vermin or animals allowed at the site by a residentu003cbru003eu0026#149; No cover for damage caused by birds biting, pecking or scratching
Escape of liquid
Breakage
Accidental damage
u0026#149; Covered by defaultu003cbru003eu0026#149; Covers accidental loss and damage to your contentsu003cbru003eu0026#149; No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or datau003cbru003eu0026#149; No cover for fishing or sporting equipment, musical instruments or firearms while someone is using themu003cbru003eu0026#149; No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at site; or any process of cleaning involving the use of chemicals
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 costu003cbru003eu0026#149; Insurer may offer non-cash alternatives
New for old contents replacement
1
Contents
Cover for unlisted portable contents
u0026#149; Covers some items for theft and accidental loss/damageu003cbru003eu0026#149; Nominate a limit per item group for clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronic devices, and sporting and recreational itemsu003cbru003eu0026#149; Up to $10000 per itemu003cbru003eu0026#149; Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the worldu003cbru003eu0026#149; $250 excessu003cbru003eu0026#149; Optional
Optional cover for specially listed valuables
u0026#149; Cover for theft and accidental loss/damageu003cbru003eu0026#149; Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)u003cbru003eu0026#149; $250 excess
Contents in the open air
Up to 20% sum insured overall
Temporary accommodation
u0026#149; Up to 24 months or 20% sum insuredu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
Debris removal
u0026#149; Up to 10% sum insured overallu003cbru003eu0026#149; Paid on top of sum insured
Emergency storage
u0026#149; Up to 24 monthsu003cbru003eu0026#149; Covers storage of contents
Keys and locks after break-in
1
Motor burnout
Motors up to 15 years
Jewellery
Up to $2500 overall
Artworks
Up to $2500 overall
Collections (e.g. stamps, coins)
Up to $2500 overall
Digital media
1
Spoiled food
u0026#149; Up to $2000 overallu003cbru003eu0026#149; Cover for motor burnout and interruption to electricity supply caused by insured event
Visitors' contents
Up to $2500 overall
Pet cover
Permanent fixtures
u0026#149; Up to sum insured overallu003cbru003eu0026#149; Covers built-in furniture/cupboards, stoves, hot water services, shower screens, paint/wallpaper, built-in air-conditioners, fixed awnings, solar panels, carpets and floating floorboardsu003cbru003eu0026#149; Does not cover items insured by owners corporation or common property
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 of removal vehicle, cyclone, earthquake, explosion, fire, flood, lightning, storm, storm surge, theft following violent or forced entry and tsunamiu003cbru003eu0026#149; Up to $10000 for accidental damage
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