Total building replacement & sum insured contents policy. Provided by Suncorp. Available in all states & territories
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Description
Cover summary
- Up to $20 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents in Australia and New Zealand
Cost
Covered events
- Covers loss and damage caused by thieves and burglars
- No cover for theft by you or residents
- No cover for theft by people who enter the address with consent of you or someone with authority to allow them access
- No cover for theft by people who enter or leave through an unlockable part of home that's under construction
- No cover for theft or loss of contents or proceeds of sale by people authorised to offer your items for sale
- No cover for theft or loss of contents or proceeds of sale due to bankruptcy or insolvency or person authorised to offer your items for sale
- No cover for theft or loss of contents or proceeds of sale when you, or a person you authorised, sell them online
- Covers fire and bushfire
- Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
- Up to $1000 for cost of replacing water in any storage vessel which has been used to limit the spread of bushfire in your area, or has become contaminated due to the use of fire retardant at the address, and cost to clean fire retardant off the building
- No cover for arcing, scorching, melting, cigarette burns unless fire spreads
- No cover for gradual exposure to fire, heat, ash, soot, smoke due to recurring fires over time
- No cover for pollution or vapour from heater or cooking appliance unless fire spreads
- 72 hour waiting period for bushfire
- Covered
- Also covers damage caused by power surge
- Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of flood
- No cover for damage caused by water entering home due to through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
- No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
- No cover for cracking of sealed paths, roads or driveways
- No cover for sporting surfaces or courts
- No cover for retaining or free-standing outdoor walls
- No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
- No cover for garden borders
- No cover for revetments or sea walls
- No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
- No cover for cost of cleaning undamaged contents
- Damage to external paintwork not covered if this is the only flood damage
- 72 hour waiting period
- Covered
- Also covers damage caused by power surge
- Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm
- No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
- No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
- No cover for cracking of sealed paths, roads or driveways
- No cover for sporting surfaces or courts
- No cover for retaining or free-standing outdoor walls
- No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
- No cover for garden borders
- No cover for revetments or sea walls
- No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
- No cover for cost of cleaning undamaged items
- Damage to external paintwork not covered if this is the only storm damage
- 72 hour waiting period
- Covered
- Also covers damage caused by power surge
- Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm surge
- No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
- No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
- No cover for cracking of sealed paths, roads or driveways
- No cover for sporting surfaces or courts
- No cover for retaining or free-standing outdoor walls
- No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
- No cover for garden borders
- No cover for revetments or sea walls
- No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
- No cover for cost of cleaning undamaged items
- Damage to external paintwork not covered if this is the only storm surge damage
- 72 hour waiting period
- Covers damage caused by animals inside the building that you didn't know about or animals that become accidentally trapped inside the home
- Covers fire and escape of liquid caused by insects, rodents or vermin
- No cover for damage caused by animals owned by/under care of/allowed on the property by a resident or someone staying at the home
- No cover for damage caused by animals/birds biting, chewing, clawing, pecking, scratching, tearing or urinating/excreting
- Optional
- Covers accidental loss and damage to home and contents
- Covers bicycles while in use, unless being used for racing or pace-making
- No cover for cash, smart cards, phone cards, vouchers, money orders or stamps (not in a collection) or documents able to be cashed or traded
- No cover for cracking of sealed tanks or containers
- No cover for retaining, sea or freestanding outdoor walls; revetments; garden borders; boat jetties; pontoons; mooring poles; walls; driveways; paths; roads or swimming pool liners or covers
- No cover for shower bases that burst or leak
- No cover for sporting surfaces or courts or their attachments and accessories
- No cover for sporting, recreational or leisure goods while in use
- No cover for swimming pool liners or covers or fence gates or fences that would be considered by a reasonable person to be in an obvious state of disrepair before the loss or damage occurred
- No cover for damage caused by insects; vermin; rodents; failure or shutdown of electricity supply; leaks from agricultural pipes or overflow pipes; animals or birds pecking, biting, clawing, scratching, tearing or chewing the building; animal or bird urine and excrement; building, renovating or altering the building (except spilling paint); physical assaults; death; tenants; paying guests; or boarders
- No cover for damage to buildings caused by earthworks or construction undertaken by a neighbour
- No cover for damage to driveways, paths or paving or underground services caused by road vehicles, cranes or earthmoving equipment
- No cover for burning or scorching caused by cigars, cigarettes or pipes
- No cover for food spoilage caused by failure or shutdown of electricity supply
- No cover for pollution or vapour caused by home heaters or cooking appliances
- No cover for damage that occurs gradually or if you're unable to establish the accidental loss or damage took place at a certain time and date
Claims
- Repair damaged property
- Replace damaged property
- Pay you the property's replacement value, up to your sum insured or other sublimits
- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- Insurer may offer non-cash alternatives
Building
- Building claims: up to Reasonable cost overall
- Contents claims: up to 10% sum insured overall
- Paid on top of sum insured
- Up to 52 weeks
- Covers residential accommodation of a similar standard to your home, mail redirection, utility connection fees, relocating contents to/from temporary accommodation, contents insurance at temporary accommodation, assistance with rental bond (must be repaid to insurer), lease break fee and commercial pet boarding
- Up to 4 weeks for short term accommodation
- Up to 26 weeks for extended accommodation if repairs delayed for reasons outside your control
Contents
- Covers some items for accidental loss/damage
- Choose overall limit from $1000–$5000
- Up to $1000 per item, collection, pair and set
- Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
- Covered anywhere in Australia and New Zealand
- $100 excess
- Optional
- Cover for accidental loss/damage
- Covered anywhere in Australia and New Zealand
- $100 excess
- Up to 10% contents sum insured
- Paid on top of sum insured
- Covers packing, unpacking and transporting contents to/from storage
- Up to $5000 overall
- Up to $2000 per item or set
- Up to $5000 overall
- Up to $2500 per item or set
- Up to $400 overall
- Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
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