Sum insured policy. Provided by Allianz. Available in ACT, NSW, Qld, SA, Tas, Vic & WA
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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 worldwide
Cost
Covered events
- Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
- Covers theft by tenants who rent a separate dwelling at the address
- Up to $1000 for replacement locks and cylinders of any external door or window, after theft of key (no excess)
- Up to $500 for security firm attendance fees
- No cover for theft by you or residents
- No cover for theft by people acting with your express or implied consent
- No cover for theft by people employed at the home
- No cover for theft by people you or a resident invite into home
- Covers fire and bushfire
- Also covers damage caused by smoke
- Accidental damage option adds cover for scorching and/or melting
- No cover for scorching and/or melting not the direct result of fire
- No cover for damage arising gradually out of repeated exposure to fire or smoke
- No cover for items designed to be exposed to heat during normal use
- 72 hour waiting period for bushfire and grassfire
- Covers damage caused by flood, run-off and flood water combined with run-off and/or rainwater
- Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
- No cover for damage caused by shrinkage or expansion of earth
- No cover for bridges
- No cover for retaining walls
- No cover for gates or fences that aren't well maintained and are in poor condition to the extent that this causes or contributes to the damage
- No cover for trees, shrubs or plants planted in the ground
- No cover for pontoons or jetties
- No cover for swimming pool or spa covers, liners or solar domes
- No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
- 72 hour waiting period
- Covers damage caused by storm, cyclone, rainwater and run-off
- Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
- Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
- Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
- No cover for damage caused by rainwater, hail, wind or water that enters building through an opening made for the purpose of construction, alterations, additions, demolition, repairs and decorations
- No cover for damage caused by hydrostatic pressure
- No cover for damage caused by rainwater, hail, wind or water that enters building due to due to faulty design or materials, structural defects or poor workmanship of which you could reasonably be expected to have been aware
- No cover for damage caused by rainwater, hail, wind or water that enters building due to due to lack of maintenance and poor housekeeping
- No cover for damage caused by rainwater, hail, wind or water that enters building due to due to gradual deterioration, wear and tear, of which you could be reasonably expected to have been aware
- No cover for retaining walls
- No cover for trees, shrubs or plants planted in the ground
- No cover for swimming pool or spa covers, liners or solar domes
- No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
- No cover for rainwater damage to external paintwork or coatings
- 72 hour waiting period for cyclone
- Covers impact damage caused by animals
- Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
- No cover for impact damage caused by domestic pets kept in building
- No cover for damage caused by birds or insects
- Optional
- Covers accidental loss and damage to home and contents
- Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
- Covers scorching and melting
- Covers accidental breakage of ceramic tiles
- Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
- Up to 90 days cover for contents anywhere in Australia
- No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
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)
- Insurer may offer non-cash alternatives
Building
- Motors up to 10 years
- Optional
- Up to $5000 overall
- No cover for storm, flood, cyclone, tsunami or rainwater or run-off
- Up to $5000 overall
- Paid on top of sum insured
- Up to $5000 overall
- Paid on top of sum insured
- Up to 10% sum insured overall
- Paid on top of sum insured
- Up to 12 months or 10% sum insured
- Paid on top of sum insured
- Building claims: covers rental accommodation for you and your pets
- Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
- Up to $500 for pet boarding
Contents
- Covers some items for theft and accidental loss/damage
- Choose overall limit from $1000–$7500
- Choose limit from $500–$2000 per item
- Covered anywhere in Australia, and for up to 120 days in rest of the world
- $100 excess
- Optional
- Cover for theft and accidental loss/damage
- Covered anywhere in Australia, and for up to 120 days in rest of the world
- $100 excess
- Up to $2000 overall
- Covers contents intended to be kept outside
- Up to 12 months
- Covers moving/storing undamaged contents
- Up to $7500 overall
- Up to $2500 per item, set or collection
- Up to $7500 overall
- Up to $2500 per item, set or collection
- Up to $7500 overall
- Up to $2500 per item, set or collection
- Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
- Up to $500 for natural disaster
- Up to $500 overall
- Cover for road accident injury
- Up to contents sum insured overall
- Included in optional accidental damage cover
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