Sum insured policy with 25% safety net. Provided by Hollard. Available in all states & territories
CHOICE Expert Rating
Good Points
The product's best features and benefits
Bad Points
Drawbacks or issues you need to know about
Unlock our expert review and more
Reviews you can trust
Easy side-by-side comparison
Recommended products at a glance
Recommended products
Results for paid members only
Scores
Results for paid members only
Description
Cover summary
- Nominate a sum insured for your contents
- 25% underinsurance safety net
- Up to $20 million
- Cover for people named on the policy
- Cover for incidents in Australia
Cost
Covered events
- 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
- 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
- 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 sails (must be professionally installed) up to five years old
- 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 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
- Flood excess: greater of $500 or your basic excess
- 72 hour waiting period
- 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 sails (must be professionally installed) up to five years old
- No cover for damage caused by gradual deterioration due to rainwater
- 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 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
- 72 hour waiting period for rainwater and storm
- 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
- 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)
- Optional
- Covers accidental loss and damage to your 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 plants, 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
- Repair damaged items
- Replace damaged items
- Pay you the item's replacement value, up to your sum insured or other sublimits
- Customer cost
- Insurer may offer non-cash alternatives
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
- Cover for insured events and accidental loss/damage
- Covered anywhere in Australia and New Zealand
- $100 excess
- 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
- Up to 15% sum insured overall
- Paid on top of sum insured
- Up to 120 days
- Covers cost to move and store contents
- Motors up to 10 years
- Optional
- Up to $1000 overall
- Cover for motor burnout
- 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
- Up to 20% contents sum insured overall
- Cover for fire and collision or overturning of removal vehicle
Looking for user reviews?
We don't offer user reviews anymore. Help us improve this expert review by sharing your feedback in a quick survey.