Home and contents insurances
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CBA Contents Cover Plus (strata owners)

Sum insured policy with 25% safety net. Provided by Hollard. Available in all states & territories

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Cover score
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Customer satisfaction
51%

Description

Insurer
CBA
Policy
Contents Cover Plus (strata owners)
Owner type
Strata owners
Provider
Hollard Insurance Partners Limited
About the insurer

Cover summary

Contents cover
  • Nominate a sum insured for your contents
  • 25% underinsurance safety net
Legal liability
  • Up to $20 million
  • Cover for people named on the policy
  • 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
  • Covers loss and damage due to theft and attempted theft
  • 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 at a multi-residency site from common property, common or public areas or unenclosed individual car parks or spaces
  • 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
  • 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
• Coveredu003cbru003e• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood or rainwateru003cbru003e• Covers external shade sails (must be professionally installed) up to five years oldu003cbru003e• No cover for damage caused by hydrostatic pressure or hydrodynamic pressureu003cbru003e• No cover for damage caused by water entering building due to due to building alterations, renovations or additionsu003cbru003e• No cover for damage caused by gradual deterioration or wear and tearu003cbru003e• No cover for damage caused by water that has seeped or percolated into buildingu003cbru003e• No cover for cost of replacing water in swimming pools or spasu003cbru003e• No cover for cost of cleaning or removing mud or debris in swimming pools or spasu003cbru003e• Flood excess: greater of $500 or your basic excessu003cbru003e• 72 hour waiting period
Storm and cyclone
• Covers damage caused by storm and rainwateru003cbru003e• Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwateru003cbru003e• Covers external shade sails (must be professionally installed) up to five years oldu003cbru003e• No cover for damage caused by gradual deterioration due to rainwateru003cbru003e• No cover for damage caused by hydrostatic pressure or hydrodynamic pressureu003cbru003e• No cover for damage caused by water entering building due to due to building alterations, renovations or additionsu003cbru003e• No cover for damage caused by water that has seeped or percolated into buildingu003cbru003e• No cover for cost of replacing water in swimming pools or spasu003cbru003e• No cover for cost of cleaning or removing mud or debris in swimming pools or spasu003cbru003e• 72 hour waiting period for rainwater and storm
Storm surge
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
• Covers damage caused by falling trees or tree branchesu003cbru003e• Covers damage caused by vehicles, trailers or watercraftu003cbru003e• Covers damage caused by power or communication polesu003cbru003e• Covers damage caused by satellite dishes, television or radio aerials breaking or collapsingu003cbru003e• Covers damage caused by animalsu003cbru003e• Covers damage caused by aircraft or debris falling from spaceu003cbru003e• No cover for damage caused by tree felling or lopping at the addressu003cbru003e• No cover for damage to driveways, paths, paving or underground services caused by vehicles, cranes or earthmoving equipmentu003cbru003e• No cover for damage caused by animals kept at the address or domestic animalsu003cbru003e• Does not cover removing or lopping trees which have fallen but not damaged the homeu003cbru003e• Does not cover removing stumps
Animal damage
• Covers impact damage caused by animals not kept at the addressu003cbru003e• No cover for damage caused by birds, domestic animals, vermin, animals kept at the address or insects (including termites)
Escape of liquid
Breakage
Accidental damage
• Optionalu003cbru003e• Covers accidental loss and damage to your contentsu003cbru003e• 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 similaru003cbru003e• No cover for bicycles, sporting or fishing equipment, musical instruments or remote controlled aircraft or drones while in useu003cbru003e• No cover for plants, jewellery, watches, food, medications, cash, gift vouchers, negotiable instruments or mobile phonesu003cbru003e• 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 collapseu003cbru003e• No cover for swimming pools caused by or contributed to by you lowering the level of wateru003cbru003e• No cover for damage that occurs gradually

Claims

Out-of-hours claiming
Online and 24/7 phone
How the insurer can settle your claim
  • Repair damaged items
  • Replace damaged items
  • Pay you the item's replacement value, up to your sum insured or other sublimits
Cash settlement
  • Customer cost
  • Insurer may offer non-cash alternatives
New for old contents replacement
Yes (excludes computers more than four years old and out of use clothing, shoes or household linen or items)

Contents

Cover for unlisted portable contents
  • 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 specially listed valuables
  • Cover for insured events and accidental loss/damage
  • Covered anywhere in Australia and New Zealand
  • $100 excess
Contents in the open air
Up to 10% sum insured overall
Temporary accommodation
  • Up to 12 months or 20% sum insured
  • Paid on top of sum insured
  • Covers accommodation for you and any family member living at your home
  • Up to $3000 for temporary accommodation for dogs and/or cats
Debris removal
  • Up to 15% sum insured overall
  • Paid on top of sum insured
Emergency storage
  • Up to 120 days
  • Covers cost to move and store contents
Keys and locks after break-in
1
Motor burnout
  • Motors up to 10 years
  • Optional
Jewellery
Up to 25% sum insured overall
Artworks
Up to sum insured overall
Collections (e.g. stamps, coins)
Up to sum insured overall
Digital media
1
Spoiled food
  • Up to $1000 overall
  • Cover for motor burnout
Visitors' contents
Up to $2000 overall
Pet cover
Permanent fixtures
  • Up to sum insured overall
  • Covers fixtures and fittings that are attached to the building that are owned by you, or you are legally responsible for by written agreement and are not otherwise insured under strata insurance
Overlapping cover at a new house
Up to 14 days cover at both addresses
Cover for contents while moving house
  • Up to 20% contents sum insured overall
  • Cover for fire and collision or overturning of removal vehicle

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