A sum insured policy with a 10% underinsurance safety net for your home and contents. Accidental damage cover is optional.
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Description
- Insurer
- RAA
- Policy
- Home and Contents
- Provider
- Allianz South Australia Insurance Limited
- About the insurer
- RAA
Cover summary
- Building cover
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- Nominate a sum insured for your building
- 10% underinsurance safety net
- Contents cover
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- Nominate a sum insured for your contents
- 10% underinsurance safety net
- Legal liability
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- Up to $20 million
- Cover for people named on the policy
- Cover for incidents in Australia and New Zealand
Cost
Results for paid members only
- Same price to pay monthly
- ACT price comparison
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- NSW price comparison
- Members only
- NT price comparison
- Members only
- North Queensland price comparison
- Members only
- South Queensland price comparison
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- SA price comparison
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- Tasmania price comparison
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- Victoria price comparison
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- WA price comparison
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Covered events
- Theft
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- 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
- Fire
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- 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
- Flood
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- 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
- Storm and cyclone
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- 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
- Storm surge
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- 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
- Action of the sea
- Not covered
- Tsunami
- Covered
- Explosion
- Covered
- Earthquake
- Covered
- Vandalism
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- Covers malicious damage, intentional damage and damage by vandals
- No cover for damage by the insured, residents or your guests
- No cover for damage by person who enters home with consent of the insured, a resident or your guest
- No cover for chips, scratches, dents, any superficial markings, wear and tear or damage caused over a period of time
- Riot & civil unrest
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- Covers riot and civil commotion
- No cover for damage caused by the insured, residents or your guests
- No cover for damage caused by person who enters home with consent of the insured, a resident or your guest
- Impact damage
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- Covers damage caused by falling trees or branches
- Covers damage caused by vehicles, caravans or watercraft
- Covers damage caused by satellite dishes and television or radio aerials breaking or collapsing
- Covers damage caused by falling debris from space, aircraft, rockets or satellites
- Covers damage to contents caused by ceiling collapse
- No cover for damage caused by roots of trees, plants, hedges or shrubs
- No cover for damage caused by lopping or felling trees by or at the request of a resident, guest or insured
- No cover for damage to paths, paving or underground services caused by road vehicles
- Does not cover costs to remove fallen trees or branches that have not caused damage to the building
- Animal damage
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- 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
- Escape of water and other liquids
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- Covers bursting, leaking, discharging and overflowing from: › drainage and sewerage systems, pipes, plumbing apparatus fixed to pipes, roof gutters and down pipes › dishwashers, washing machines, fish tanks and waterbeds › fixed baths, sinks, basins and toilets › rainwater, hot water, septic tanks › swimming pools and spas › water main or fire hydrants near or at property
- No cover for damage caused by leaking shower floors, bases or cubicle walls
- No cover for damage caused by underground (hydrostatic) water
- No cover for damage caused by a leak you knew (or should reasonable have known) about and did not fix
- No cover for tanks, pipes, parts, containers or waterbeds that cause the damage
- No cover for leaking shower floors, bases or cubicle walls
- Breakage
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- Covers: – fixed glass forming part of the insured property – fixed sinks, basins, shower bases, baths and toilets – glass in furniture – glass in pictures, paintings, prints and mirrors designed to be hung from a wall or freestanding – glass forming part of aquariums
- No cover for scratches where break does not extend through entire thickness or item
- Does not cover: – tiles forming part of the home – tiled fixtures forming part of the home – tiled or glass splashbacks forming part of the home – damage to glass forming part of stoves, heaters, ovens or cook tops resulting from breakage as a result of the direct application of heat – toilet seats – picture tubes or screens of televisions or visual display units – glass forming part of radios, clocks, vases, ornaments, lamp or photo frames – glass in glasshouses or greenhouses
- Accidental damage
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- 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
- Out-of-hours claiming
- Online
- How the insurer can settle your claim
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- Repair damaged property
- Replace damaged property
- Pay you the property's replacement value, up to your sum insured or other sublimits
- Cash settlement for building claims
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- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- Cash settlement for contents claims
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- 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
- New for old contents replacement
- Unoccupied homes
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- You must inform insurer if home will be unoccupied for more than 90 days
- No cover for theft and malicious damage after 90 consecutive days
Building
- Motor burnout
- Motors up to 10 years
- Keys and locks after break-in
- Up to $1000 overall
- Gardens and landscaping
- Not covered
- Costs to comply with building regulations
- Reasonable cost
- Professional fees
- Reasonable cost
- Mortgage discharge fees
- Not covered
- Debris removal and demolition
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- Reasonable cost
- Building only
- Exploratory costs
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- Applies to claims for bursting, leaking, discharging or overfowing of water or liquid
- Covers exploratory costs to find source of an unknown leak
- If claim accepted, also covers costs to reinstate tiles, wall or floor materials
- Up to reasonable cost
- Up to $750 for replacing undamaged tiles or wall/floor materials in area, to match or complement new materials used for repairs
- Temporary accommodation
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- Up to 12 months or 10% sum insured
- Paid on top of sum insured
- Covers temporary accommodation for people living at the address
Contents
- Cover for unspecified portable contents
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- 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
- Optional cover for individual portable valuables
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- Cover for theft and accidental loss/damage
- Covered away from home worldwide
- $0 excess
- Contents in the open air
- Up to $3000 overall
- Emergency storage
- Not covered
- Jewellery
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- Up to $10000 overall
- Up to $5000 per set or piece
- Artworks
- Up to $10000 per item or set
- Collections (e.g. stamps, coins)
- Up to $10000 overall
- Digital media
- Up to $10000 overall
- Spoiled food
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- Up to $500
- Covers food and medicine inside refrigerator or freezer
- Covers spoilage caused by accidental breakdown of refrigerator or freezer, failure of commercial electricity supply and electric motor burnout
- No cover for spoilage caused by burnout of motors more than 10 years from date of manufacture, deliberate restriction of electricity supply by supplier, industrial strike causing electricity supply to be cut off, accidental disconnection of power to fridge, or damage to refrigerator or freezer by spoiled food
- No excess for claims relating only to spoilage
- Visitors' contents
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- Up to $5000 overall
- Optional
- Pet cover
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- Up to $500 overall
- Cover for illness and accidental injury
- Optional
- Overlapping cover at a new house
- Up to 14 days cover at both addresses
- Cover for contents while moving house
-
- Up to contents sum insured overall
- Cover for fire and collision or overturning of removal vehicle
