RAA Home and Contents
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Description
Cover summary
- Nominate a sum insured for your building
- 10% underinsurance safety net
- Nominate a sum insured for your contents
- 10% underinsurance safety net
- Up to $20 million
- Cover for people named on the policy
- Cover for incidents in Australia and New Zealand
Cost
Covered events
- Covers loss and damage due to theft, burglary and attempted theft
- Up to $1000 for misuse of credit or ATM cards and theft of money from your bank account, after theft or loss of card in anywhere Australia
- Up to $1000 for costs to change key codes and costs to re-barrel or replace locks, after theft or loss of key to external door and if keys had address or identifying information with them
- Up to $500 for keys, spare parts and unattached accessories for vehicles, caravans, watercraft or trailers (must be in the home), after theft resulting from violent and forcible entry into home
- No cover for theft by you, residents or guests
- No cover for theft by people who enter home without violent or forcible entry, with express or implied consent of you, your guest or a resident
- No cover if home has been unoccupied for more than 90 consecutive days
- No cover while home is being reconstructed or renovated, involving the removal of or interference with all or part of the roof or an external wall
- 48 hour waiting period for theft
- Covers fire and bushfire
- Also covers damage caused by smoke, scorching, heat
- No cover for damage to floor coverings damaged by open fire, combustion heater, stove
- No cover for scorching/heat where there was no fire, scorching or heat damage where there is no fire or cigarette/cigar marks or scorching
- No cover for gradual exposure to fire, heat, ash, soot, smoke due to recurring incidents over time or gradual exposure to fire, heat, ash, soot and smoke due to recurring incidents of an extended period of time
- No cover for cost of repairing electrical breakdowns or short-circuits
- 48 hour waiting period for bushfire
- Covered
- Also covers damage caused by erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement
- Up to 10% building sum insured for paths, driveways, gates, fences, paving, freestanding or retaining walls and garden borders
- No cover for damage caused by underground (hydrostatic) water
- No cover for damage caused by flood which arises from deliberate malicious damage to, or destruction of a reservoir or dam
- No cover for tennis courts, unsealed paths or driveways
- No cover for paths, driveways, paving, gates, fences, freestanding or retaining walls or garden borders that are not structurally sound or maintained in a reasonable manner
- No cover for glasshouses or greenhouses
- No cover for wharves, jetties, pontoons or sea walls
- No cover for swimming pools or spas or their covers or liners except for permanently attached hard lid style pool covers
- No cover for water in a tank, swimming pool or spa
- No cover for cost of cleaning out mud or debris in a tank, swimming pool or spa
- No cover for any part of the home that is not fully built
- Damage to paint not covered when there is no structural damage to other parts of the home caused by the flood
- 72 hour waiting period
- Covers damage caused by storm and rainwater runoff
- Also covers damage caused by erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement
- Up to 10% building sum insured for paths, driveways, paving, freestanding or retaining walls and garden borders
- No cover for damage caused by rain, hail or wind entering home due to through open windows, doors or skylights
- No cover for damage caused by underground (hydrostatic) water
- No cover for damage caused by rain, hail or wind entering home due to because of a defect, structural fault, design fault, wear, tear or gradual deterioration over a period of time
- No cover for tennis courts, unsealed paths or driveways
- No cover for wind damage to gates or fences that are not structurally sound or maintained in a reasonable manner
- No cover for paths, driveways, paving, freestanding or retaining walls or garden borders that are not structurally sound or maintained in a reasonable manner
- No cover for glasshouses or greenhouses
- No cover for wharves, jetties or pontoons
- No cover for swimming pools or spas or their covers or liners except for permanently attached hard lid style pool covers
- 48 hour waiting period
- Covered
- Also covers damage caused by erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement
- Up to 10% building sum insured for paths, driveways, gates, fences, paving, freestanding or retaining walls and garden borders
- No cover for damage caused by underground (hydrostatic) water
- No cover for tennis courts, unsealed paths or driveways
- No cover for paths, driveways, paving, gates, fences, freestanding or retaining walls or garden borders that are not structurally sound or maintained in a reasonable manner
- No cover for glasshouses or greenhouses
- No cover for wharves, jetties, pontoons or sea walls
- No cover for swimming pools or spas or their covers or liners except for permanently attached hard lid style pool covers
- No cover for water in a tank, swimming pool or spa
- No cover for cost of cleaning out mud or debris in a tank, swimming pool or spa
- No cover for any part of the home that is not fully built
- Damage to paint not covered when there is no structural damage to other parts of the home
- Storm surge covered only if it occurs at the same time property is damaged by a storm
- 72 hour waiting period
- Covers damage caused by animals
- Covers fire caused by birds, insects, mice, rabbits, rats, reptiles, spiders, termites or vermin
- No cover for damage caused by pets at the home with permission or pets owned/kept/cared for by residents or guests
- Optional
- Cover only available for contents
- Choose overall limit from $2000–$5000
- $250 excess
- No cover for cash
- No cover for contents that have been misplaced, mislaid or missing where you are unable to identify where the loss occurred
- No cover for tools of trade or sporting equipment while in use
- Up to 60 days cover for accidental damage and theft of contents anywhere in Australia and New Zealand
- No cover for damage caused intentionally
- No cover for accidental damage or theft caused by theft or attempted theft by a person, boarder or tenant who, without violent or forcible entry, enters your home with your consent
Claims
- Repair damaged property
- Replace damaged property
- Pay you the property's replacement value, up to your sum insured or other sublimits
- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- Insurer may offer non-cash alternatives
Building
- Reasonable cost
- Building only
- Up to 12 months or 10% sum insured
- Paid on top of sum insured
- Covers temporary accommodation for people living at the address
Contents
- Covers general contents for theft and accidental loss/damage
- Choose overall limit from $2000–$5000
- Covered anywhere for up to 60 days in Australia and New Zealand
- $250 excess
- Optional
- Cover for theft and accidental loss/damage
- Covered away from home worldwide
- $0 excess
- Up to $10000 overall
- Up to $5000 per set or piece
- Up to $500 overall
- Cover for unit failure, motor burnout and failure of public electricity supply
- Up to $5000 overall
- Optional
- Up to $500 overall
- Cover for illness and accidental injury
- Optional
- Up to contents sum insured overall
- Cover for fire and collision or overturning of removal vehicle
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