Sum insured policy. Provided by Guild. 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
- Included under accidental damage cover
- Up to $5000 for contents in the open air
- Up to $5000 for cost of security firm attendance in response to monitored alarm signal
- No cover for theft by residents or tenants and their family
- No cover for theft from internal or external common property
- Does not cover theft of fixtures, fittings or building materials awaiting installation from the open air or a building not capable of being locked
- Included under accidental damage cover
- 48 hour waiting period for bushfire and grassfire
- Included under accidental damage cover
- Covers damage caused by erosion, landslide and subsidence, but must occur as a result of and within 72 hours of storm, hail or rainwater
- 48 hour waiting period for named cyclone
- Included under accidental damage cover
- No cover for damage caused by the action of trees or their roots
- No cover for damage caused by trees or branches lopped by you or on your behalf
- No cover for damage caused by animals kept at the address
- Does not cover removal of branches or fallen trees where no damage to your home has occurred
- Covers damage caused by animals not kept at the address
- No cover for damage caused by birds, insects, moths, termites or vermin chewing, clawing, eating or pecking
- Covered by default
- Covers accidental loss and damage to your contents
- Up to $2500 for each item temporarily removed from address
- Up to 20% contents sum insured for contents temporarily removed from address
- Up to 90 days cover for contents temporarily removed from address
Claims
- Repair damaged items
- Replace damaged items
- Pay you the item's replacement value, up to your sum insured or other sublimits
Contents
- Covers some items for accidental loss/damage
- Optional cover for flood
- Up to $10000 overall
- Up to $1500 per item, pair and set
- Covered anywhere in Australia, and for up to 90 days in rest of the world
- Contents excess applies
- Optional
- Cover for accidental loss/damage
- Optional cover for flood
- Covered anywhere in Australia, and for up to 90 days in rest of the world
- Contents excess applies
- Up to 20% sum insured overall
- Up to $200 for cash and negotiable instruments
- Up to $5000 for building materials awaiting installation
- Up to $5000 for theft
- Up to 12 months or 20% sum insured
- Paid on top of sum insured
- Covers additional costs for similar temporary accommodation and commercial pet boarding
- Up to 7 days or $2000 for emergency accommodation and pet boarding
- Up to $5000 overall
- Paid on top of sum insured
- Up to 12 months or $5000
- Covers moving/storing undamaged contents in commercial storage facility
- Up to $15000 overall
- Up to $2500 per item, set or pair
- Up to 20% sum insured overall
- Up to $10000 per item
- Up to $15000 overall
- Up to $2500 per item
- Up to $1500 overall
- Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
- Up to $1000 overall
- Cover for vehicle impact
- Up to contents sum insured overall
- Cover for fire, overturning of removal vehicle, accident involving removal vehicle and theft involving forcible entry to removal vehicle
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