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Description
Cover summary
- Nominate a sum insured for your building
- 30% underinsurance safety net
- Up to $30 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, burglary, attempted theft and attempted burglary
- Up to $2500 for re-keying or replacing locks, after theft of keys within Australia (no excess)
- Up to $1250 for cost of security firm attendance responding to monitored alarm (limit one claim per year), after burglary and attempted burglary
- Up to $500 for additional security measures (to be installed within 30 days of claim acceptance), after burglary with forced entry that damages property
- Accidental damage option covers up to $8000 contents in the open air (Sublimit removed if you buy accidental damage option. No sublimit applies to outdoor furniture, barbecues and above ground pools.)
- Accidental damage option covers cash, vouchers, coupons, gift cards, money orders and negotiable financial documents, after burglary when there is forcible entry into the home involving actual or threatened violence to a person and or that causes damage to building
- Accidental damage or portable contents options cover mobile phones, portable electronic items, unattended jewellery and watches in the open air or in an unlocked vehicle, caravan or trailer in the open air at the address
- No cover for theft by you or your family
- No cover for theft by people with the consent of you or your family; or people on the property with the consent of you, your family or agent
- Covers fire and bushfire
- Also covers damage caused by charring, melting and scorching due to heat from a fire
- Also covers damage caused by smoke, ash and soot
- Accidental damage option adds cover for charring, melting and scorching heat generated from an item in the ordinary course of its use
- Up to $500 for emergency services attendance
- No cover for damage to items designed to be exposed to or generate heat, damaged in the ordinary course of its use, where that's the only damage that occurs
- No cover for damage deliberately caused by due to the insured, family members or people with consent of the insured or their family
- Covered
- Accidental damage option adds cover for power surge and interruption to power supply
- Covers damage caused by landslide and subsidence but must occur as a direct result of within 72 hours of flood
- Up to $8000 for contents in the open air (Sublimit removed if you buy accidental damage option. No sublimit applies to outdoor furniture, barbecues and above ground pools)
- Accidental damage option covers cash, vouchers, coupons, gift cards, money orders and negotiable financial instruments in the open air
- Accidental damage or portable contents options cover jewellery, watches, mobile phones and portable electronic items in the open air
- No cover for damage caused by water or debris due to entering building through opening made for alterations, additions, renovations or repairs
- No cover for damage caused by water or debris due to existing damage, design faults, structural defect or faulty workmanship you were aware of and knew may result in damage (or a reasonable person in the circumstances would have known)
- No cover for damage caused by water or debris due to lack of maintenance
- No cover for retaining walls
- No cover for gates or fences that you were aware are in a poor or damaged condition (or a reasonable person in the circumstances would be aware)
- No cover for gates or fences that you were aware were installed or constructed incorrectly (or a reasonable person in the circumstances would be aware)
- No cover for swimming pool or spa covers, solar covers or liners
- No cover for hydrostatic pressure damage to swimming pools or spas
- Water damage to external paintwork, treated surfaces or finishes not covered if this is the only damage to that part of the building
- Covers damage caused by storm, rain and hail
- Accidental damage option adds cover for power surge and interruption to power supply
- Covers damage caused by landslide and subsidence but must occur as a direct result of within 72 hours of storm, rain or hail
- Up to $8000 for contents in the open air (Sublimit removed if you buy accidental damage option. No sublimit applies to outdoor furniture, barbecues and above ground pools)
- Accidental damage option covers cash, vouchers, coupons, gift cards, money orders and negotiable financial instruments in the open air
- Accidental damage or portable contents options cover jewellery, watches, mobile phones and portable electronic items in the open air
- No cover for damage caused by water, rain, wind, hail or debris entering building through opening made for alterations, additions, renovations or repairs
- No cover for damage caused by water, rain, wind, hail or debris due to existing damage, design faults, structural defect or faulty workmanship you were aware of and knew may result in damage (or a reasonable person in the circumstances would have known)
- No cover for damage caused by water, rain, wind, hail or debris due to lack of maintenance
- No cover for retaining walls
- No cover for gates or fences that you were aware are in a poor or damaged condition (or a reasonable person in the circumstances would be aware)
- No cover for gates or fences that you were aware were installed or constructed incorrectly (or a reasonable person in the circumstances would be aware)
- No cover for swimming pool or spa covers, solar covers or liners
- No cover for hydrostatic pressure damage to swimming pools or spas
- Water or wind damage to external paintwork, treated surfaces or finishes not covered if this is the only damage to that part of the building
- Covered
- Accidental damage option adds cover for power surge and interruption to power supply
- Covers damage caused by landslide and subsidence but must occur as a direct result of within 72 hours of storm surge
- Up to $8000 for contents in the open air (Sublimit removed if you buy accidental damage option. No sublimit applies to outdoor furniture, barbecues and above ground pools)
- Accidental damage option covers cash, vouchers, coupons, gift cards, money orders, negotiable financial instruments, jewellery, watches, mobile phones and portable electronic items in the open air
- No cover for damage caused by water or debris entering building through opening made for alterations, additions, renovations or repairs
- No cover for damage caused by water or debris due to existing damage, design faults, structural defect or faulty workmanship you were aware of and knew may result in damage (or a reasonable person in the circumstances would have known)
- No cover for damage caused by water or debris due to lack of maintenance
- No cover for retaining walls
- No cover for gates or fences that you were aware are in a poor or damaged condition (or a reasonable person in the circumstances would be aware)
- No cover for gates or fences that you were aware were installed or constructed incorrectly (or a reasonable person in the circumstances would be aware)
- No cover for swimming pool or spa covers, solar covers or liners
- No cover for hydrostatic pressure damage to swimming pools or spas
- Water damage to external paintwork, treated surfaces or finishes not covered if this is the only damage to that part of the building
- Covers damage caused by animals/birds accidentally trapped inside living area
- Covers damage caused by animals/birds colliding with property
- Covers fire and escape of liquid caused by insects, rodents or vermin
- No cover for damage caused by your pets or animals at property with permission
- No cover for damage to enclosed crawl space, outside of buildings, roof cavity or contents in the open air caused by chewing, clawing, eating, fouling, pecking, scratching, soiling or polluting in any way
- Optional
- Covers accidental loss and damage to home and contents
- Covers damage caused by power surge
- Covers charring, melting or scorching caused by heat generated from items in the ordinary course of their use and smoking items
- Covers accidental loss where you have taken reasonable steps to find or recover lost contents
- Covers accidental breakage of crockery, glassware and glass vases and ornaments
- Covers accidental breakage of glass components of items worn or carried by hand
- Covers accidental breakage of glass forming part of clocks, pictures, televisions, radios or computer monitors
- Covers contents in the open air
- Covers theft and burglary of cash, vouchers, coupons, gift cards, money orders and negotiable financial documents when there is forcible entry involving actual or threatened violence to a person, or that causes damage to the buildings
- Covers theft and burglary of unattended unattended jewellery in the open air or in an unlocked vehicle, caravan or trailer in the open air at your property
- Covers theft and burglary of watches, mobile phones and portable portable electronic items
- No cover for bicycles, drones, personal mobility devices, watercraft, power driven items or sporting equipment while being used
- No cover for items used by you or your family for earning any income, while being used
- No cover for model aircraft
Claims
- Repair damaged property
- Replace damaged property
- Pay you the property's replacement value, up to your sum insured or other sublimits
Building
- Up to $2000 overall
- Paid on top of sum insured
- Reasonable cost
- Building only
- Up to 24 months or 20% building sum insured
- Paid on top of sum insured
- Covers temporary, alternative accommodation for your family and pets; relocation costs; additional expenses; mail redirection; and utility connection fees
- Available after a claim for building damage
Contents
- Covers some items for theft and accidental loss/damage
- Nominate a limit per item group, $10000 for bicycles and personal mobility devices, collections, medical and health items, mobile phones, portable electronic devices, and recreational/hobby items and clothing
- Nominate a limit per item group, $15000 for jewellery and watches
- Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
- Contents excess applies
- Optional
- Cover for theft and accidental loss/damage
- Covered anywhere in Australia, New Zealand, and for up to 90 days in rest of the world
- Contents excess applies
- Up to sum insured overall
- No sublimits for above ground pools, barbecues or outdoor furniture
- Up to $8000 for rain, hail, theft, storm, flood, burglary and storm surge
- No cover for animal damage
- Up to 24 months or 20% contents sum insured
- Paid on top of sum insured
- Covers moving contents into storage and storage costs
- Up to $500 overall
- Cover for unit failure and failure of electricity supply
- Up to contents sum insured overall
- Cover for fire; theft with forcible entry and collision, overturning or flooding of removal vehicle
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