A sum insured policy. Accidental damage cover is optional.
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Description
- Insurer
- CBA
- Policy
- Building and Contents Cover Classic
- Provider
- Hollard Insurance Partners Limited
- About the insurer
Cover summary
- Building cover
- Nominate a sum insured for your building
- Contents cover
- Nominate a sum insured for your contents
- Legal liability
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- Up to $20 million
- Cover for people named on the policy
- Cover for incidents in Australia
Cost
Results for paid members only
- Same price to pay monthly
- ACT price comparison
- Members only
- NSW price comparison
- Members only
- NT price comparison
- Members only
- 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
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- Covers loss and damage due to theft and attempted theft
- Up to $500 for cost of replacing related locks, after theft where key to external door is stolen
- No cover for theft by residents
- No cover for theft by people at the address with consent of you or a resident
- No cover for theft from homes not sufficiently furnished for normal residential purposes
- No cover where building security has been compromised due works being carried out
- No cover for theft or attempted theft out of or in connection with any business, profession or occupation
- Fire
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- Covers fire and bushfire
- Accidental damage option adds cover for any process involving the application of heat where there is no flame
- No cover for ignition of mineral spirit or dangerously flammable substance brought onto or kept at the address in quantities which are in breach of statutory regulations or deliberately by residents or someone at the address with consent
- 72 hour waiting period for bushfire
- Flood
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- Covered
- Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood or rainwater
- Covers external shade cloths and sails (must be professionally installed) up to five years old
- No cover for cracking of paths, driveways or any outdoor surfaces
- No cover for damage caused by hydrostatic pressure or hydrodynamic pressure
- No cover for damage caused by water entering building due to due to building alterations, renovations or additions
- No cover for damage caused by gradual deterioration or wear and tear
- No cover for damage caused by water that has seeped or percolated into building
- No cover for lawns, artificial grass, sporting surfaces or courts
- No cover for loose or compacted surfaces of paths and driveways
- No cover for retaining or freestanding outdoor walls
- No cover for fences or gates that are not structurally sound or well maintained
- No cover for plants or trees
- No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
- No cover for cost of replacing water in swimming pools or spas
- No cover for cost of cleaning or removing mud or debris in swimming pools or spas
- Damage to external paintwork not covered if that is the only damage to that part of the building
- Flood excess: greater of $500 or your basic excess
- 72 hour waiting period
- Storm and cyclone
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- Covers damage caused by storm and rainwater
- Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
- Covers external shade cloths and sails (must be professionally installed) up to five years old
- No cover for damage caused by gradual deterioration due to rainwater
- No cover for cracking of paths, driveways or any outdoor surfaces
- No cover for damage caused by hydrostatic pressure or hydrodynamic pressure
- No cover for damage caused by water entering building due to due to building alterations, renovations or additions
- No cover for damage caused by water that has seeped or percolated into building
- No cover for lawns, artificial grass, sporting surfaces or courts
- No cover for loose surfaces of paths and driveways
- No cover for retaining or freestanding outdoor walls
- No cover for fences or gates that are not structurally sound or well maintained
- No cover for plants or trees
- No cover for plastic or vinyl swimming pool liners or swimming pool or spa covers
- No cover for cost of replacing water in swimming pools or spas
- No cover for cost of cleaning or removing mud or debris in swimming pools or spas
- Damage to external paintwork not covered if that is the only damage to that part of the building
- 72 hour waiting period for rainwater and storm
- Storm surge
- Not covered
- Action of the sea
- Not covered
- Tsunami
- Covered
- Explosion
- Covered
- Earthquake
- Covered
- Vandalism
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- Covers malicious damage and vandalism
- No cover for damage by residents
- No cover for damage by someone at address with consent of you or resident
- No cover damage in connection with any business, profession or occupation
- Riot & civil unrest
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- Covers riot, civil commotion and industrial unrest
- No cover for damage caused by residents
- No cover for damage caused by someone at the address with consent of you or resident
- No cover for subsequent damage sustained after the first 168 hours of riot, commotion or unrest
- Impact damage
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- Covers damage caused by falling trees or tree branches
- Covers damage caused by vehicles, trailers or watercraft
- Covers damage caused by power or communication poles
- Covers damage caused by satellite dishes, television or radio aerials breaking or collapsing
- Covers damage caused by animals
- Covers damage caused by aircraft or debris falling from space
- No cover for damage caused by tree felling or lopping at the address
- No cover for damage to driveways, paths, paving or underground services caused by vehicles, cranes or earthmoving equipment
- No cover for damage caused by animals kept at the address or domestic animals
- Does not cover removing or lopping trees which have fallen but not damaged the home
- Does not cover removing stumps
- Animal damage
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- Covers impact damage caused by animals not kept at the address
- No cover for damage caused by birds, domestic animals, vermin, animals kept at the address or insects (including termites)
- Escape of water and other liquids
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- Covers sudden, unexpected, accidental and without warning escape of liquid from: › fixed pipes › waterbeds, aquariums and household appliances › fixed household items used to hold liquid › fixed tanks
- No cover for damage caused by gradual seepage; wear and tear; gradual deterioration; or a gradual process of leaking, splashing, dripping or overflowing
- No cover for damage caused by inadequate drainage systems
- No cover for damage caused by leaking or faulty shower recesses or bases
- No cover for damage caused by lack of routine maintenance
- No cover for damage caused by water or other liquids entering through an opening made for building, renovation or repair work
- No cover for escape of liquid from pipes designed to leak, any fixed item used to hold liquid due to overflowing as a result of a tap being left on, swimming pools, watering systems, pot plants, vases, terrariums, beverage containers, cooking pots, buckets or watering cans
- No cover for items from which water leaked or escaped
- No cover for cost to replace any liquid that escaped
- No cover for freestanding or retaining outdoor walls
- No cover for parts of building you repair or renovate before insurer can inspect and find cause of damage
- Breakage
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- Covers: – window glass – shower screens, basins, baths and toilets – mirrors in contents items such as furniture – fixed glass in contents items such as furniture – window and door or shower screen frame if necessary to replace glass – other fixed glass – any other part of building and contents damaged by broken item
- Covers cost to disconnect and reconnect electrical components to damaged item
- Break must extend through entire thickness of glass
- Does not cover: – glass in the roof of sunrooms or similar – glass forming part of stove tops, cooking surfaces, heaters or oven doors – screens of computers or television sets or other types of visual display units – glass vases, ornaments or held-held mirrors – glass in glasshouses or greenhouses – glass in the roof of conservatories or similar
- Accidental damage
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- Optional
- Covers accidental loss and damage to home and contents
- No cover for accidental breakage of glass forming part of a stove top, cooking surface, heater or oven door or in a glasshouse or greenhouse or in the roof of a conservatory, sunroom, or similar
- No cover for bicycles, sporting or fishing equipment, musical instruments or remote controlled aircraft or drones while in use
- No cover for driveways, paths or tennis courts and other ground surfaces
- No cover for trees, plants, shrubs, jewellery, watches, food, medications, cash, gift vouchers, negotiable instruments or mobile phones
- No cover for damage caused by normal use resulting in scratching, chipping or denting; domestic pets, animals or livestock at the address with permission of a resident; tree felling or lopping; subsidence; landslide; mudslide; or collapse
- No cover for swimming pools caused by or contributed to by you lowering the level of water
- No cover for damage that occurs gradually
Claims
- Out-of-hours claiming
- Online and 24/7 phone
- How the insurer can settle your claim
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- Repair damaged property
- Replace damaged property
- 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
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- Customer cost
- Insurer may offer non-cash alternatives
- New for old contents replacement
- Covered (excludes computers more than four years old and out of use clothing, shoes or household linen or items)
- Unoccupied homes
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- Reduced cover if unoccupied for more than 60 days
- You must receive insurer approval if home will be unoccupied for more than 120 days
- You may be charged an additional premium
- You must: › keep lawns mown and garden tidy › stop regular mail and newspaper deliveries › arrange for someone to check inside and outside weekly
Building
- Motor burnout
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- Up to $1500 overall
- Motors up to 10 years
- $100 excess
- Optional
- Keys and locks after break-in
- Up to $500 overall
- Gardens and landscaping
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- Up to $750 overall
- Cover for fire, theft, vehicle damage and malicious damage
- Costs to comply with building regulations
- Not covered
- Professional fees
- Not covered
- Mortgage discharge fees
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- Up to $1000 overall
- Paid on top of sum insured
- Debris removal and demolition
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- Up to 10% sum insured overall
- Paid on top of sum insured
- Exploratory costs
-
- Applies to claims for escape of liquid
- Covers cost to search for unknown source of leaking pipe
- Up to $500 overall
- Temporary accommodation
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- Up to 12 months or 10% building sum insured
- Paid on top of sum insured
- Covers accommodation for you and any family member living at your home
- Up to $500 for temporary accommodation for dogs and/or cats
- Available after a claim for building damage
Contents
- Cover for unspecified portable contents
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- Covers some items for accidental loss or damage
- Choose overall limit from $2500–$7500
- Up to $1000 per item
- Covered anywhere in Australia and New Zealand
- $100 excess
- Optional
- Optional cover for individual portable valuables
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- Cover for insured events and accidental loss/damage
- Covered anywhere in Australia and New Zealand
- $100 excess
- Contents in the open air
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- Up to $4000 overall
- Up to $1000 per item
- No item sublimit for barbecues or garden furniture
- Emergency storage
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- Reasonable cost
- Paid on top of sum insured
- Covers cost to move and store contents
- Jewellery
- Up to 10% sum insured overall
- Artworks
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- Up to $5000 overall
- Up to $2000 per collection or item
- Collections (e.g. stamps, coins)
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- Up to $5000 overall
- Up to $2000 per collection or item
- Digital media
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- Up to $5000 overall
- Up to $2000 per item or collection
- Spoiled food
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- Up to $500
- Included under optional motor burnout cover
- Covers frozen and refrigerated food and prescription medication
- Covers spoilage caused by motor burnout
- Visitors' contents
- Up to $500 overall
- Pet cover
- Not covered
- Overlapping cover at a new house
- Up to 14 days cover at both addresses
- Cover for contents while moving house
- Not covered
