A sum insured policy. Accidental damage cover is optional.
CHOICE Expert Rating
Pros
The product's best features and benefits
Cons
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
- Recommended
- Members only
Scores
Results for paid members only
- CHOICE Expert Rating
- Members only
- Cover score
- Members only
- Price score
- Members only
- Customer satisfaction
- Members only
- Claims satisfaction
- Members only
Description
Cover summary
- Building cover
- Nominate a sum insured for your building
- Contents cover
- Nominate a sum insured for your contents
- Legal liability
-
- Up to $20 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents in Australia
Cost
Results for paid members only
- Same price to pay monthly
- ACT price comparison
- Members only
- NSW price comparison
- Members only
- NT price comparison
- Members only
- North Queensland price comparison
- Members only
- South Queensland price comparison
- Members only
- SA price comparison
- Members only
- Tasmania price comparison
- Members only
- Victoria price comparison
- Members only
- WA price comparison
- Members only
Covered events
- Theft
-
- Covers theft and attempted theft by people who enter home without your consent
- Up to 15% contents sum insured for theft by tenants
- Up to $1000 for costs to re-key or recode or replace locks on external doors, after theft of keys and smart lock access toggles or devices (no excess)
- Up to $500 for contents in the open air
- No cover for theft by tenants, if you have not told insurer home is being rented out
- No cover for theft by people who enter home with express or implied consent of the you, residents, tenants, or people you told could invite people to the home
- Does not cover theft of cash, gift cards or travellers cheques if thief enters home through an open or unlocked door, window or skylight
- Fire
-
- Covers fire, bushfire and grassfire
- Also covers damage caused by smoke or heat from fire within 100m of home
- No cover for smoke or heat when your home or contents did not catch fire (e.g. melting or scorching)
- 72 hour waiting period for bushfire
- Flood
-
- Covers damage caused by flood and water runoff
- Covers damage caused by landslide and subsidence but must be solely caused by and occur within 72 hours of first flood or water runoff damage
- No cover for damage caused by erosion, vibration, any earth movement or earth shrinkage or expansion
- No cover for damage caused by power surge
- No cover for damage caused by hydrostatic pressure building up behind or below any part of home
- No cover for damage caused by rising damp or water absorbed through floors or walls
- No cover for shade cloth, sail cloth or fabric awnings
- No cover for lawns or grass
- No cover for swimming pools or spas or their covers and liners
- No cover for water in swimming pools and spas
- 72 hour waiting period for flood and water runoff
- Storm and cyclone
-
- Covered
- Up to $500 for swimming pool or spa covers and liners up to five years old
- No cover for damage caused by power surge
- No cover for lawns or grass
- No cover for free standing walls
- Paintwork or coatings not covered if this is the only building damage caused by storm
- 72 hour waiting period
- Storm surge
-
- Covered
- No cover for damage caused by power surge
- No cover for damage caused by hydrostatic pressure building up behind or below any part of home
- No cover for damage caused by rising damp or water absorbed through floors or walls
- No cover for shade cloth, sail cloth or fabric awnings
- No cover for lawns or grass
- No cover for swimming pools or spas or their covers and liners
- No cover for water in swimming pools and spas
- 72 hour waiting period
- Action of the sea
- Not covered
- Tsunami
- Covered
- Explosion
- Covered
- Earthquake
- Covered
- Vandalism
-
- Covers damage by someone who intentionally or maliciously damages home or contents
- Up to 10% sum insured for costs to clean up mess left by vandal, or police when they investigated incident
- Up to 15% sum insured for malicious damage by a tenant or person they invite to home
- No cover for damage by someone who enters home with consent of permanent resident or someone you told could invite people to home
- No cover for cash, gift cards, cheques or travellers cheques if vandal enters home through open or unlocked door, window or skylight
- Riot & civil unrest
-
- Covers riot
- Also covers damage caused by action legal authorities take to control riot
- Impact damage
-
- Covers damage caused by trees or tree branches
- Covers damage caused by motor vehicles or watercraft
- Covers damage caused by satellite dishes, solar hot water tanks or aerials
- Covers damage caused by aircraft; space debris; or debris from a rocket or satellite
- No cover for damage caused by tree lopping or felling by a resident or someone with resident's consent
- No cover for damage to underground services caused by motor vehicles or watercraft
- Does not cover costs to remove and dispose of trees, branches or stump of the tree that caused the impact
- Does not cover contents in the open air
- Animal damage
-
- Covers damage caused by animals not kept at the home
- Covers bird damage to door/window glass
- No cover for damage caused by bedbugs, birds, cockroaches, fleas, lice, mice, parasites, pests, rats, termites or pets/other animals kept at the home
- Escape of water and other liquids
-
- Covers liquids leaking, bursting, discharging or overflowing from: › pipes, gutters and drains fixed or connected to home › dishwashers; washing machines; water catchment trays in refrigerators, freezers and evaporative air conditioners; waterbeds and fixed domestic items › baths, basins and sinks › water tanks › water mains › lavatory cisterns and pans
- Covers gradual and ongoing leaks if damage started after you took out this policy, and you did not know and could not have reasonably been expected to know about leak before it caused loss or damage
- No cover for leaks from fish tanks or shower recesses or cubicles
- No cover for leaks that you knew about but did not fix
- No cover for items or devices that leaked
- No cover for cost to replace escaped liquid
- Breakage
-
- Covers: – fixed glass that is part of your home – skylights – glass in wall hanging or wall hanging mirrors – glass or ceramics in cook tops – porcelain, marble, granite or fibreglass or polymarble sinks, basins, shower bases, baths and toilets – glass that is part of furniture – glass in coffee tables and display units – glass in wall hanging or wall hanging picture frames
- Accidental damage option covers: – glass in or glass in picture frames that are not normally hung on walls – glass in or glass in radios, clocks, vases, ornaments and lamps – screens of or screens of televisions and visual display units
- Break must extend through entire thickness of item
- Does not cover: – tiles – solar panels – glass in or glass in mirrors normally carried by hand – tiled furniture – glass in or glass in fish tanks – glass in or glass in conservatories
- No cover for items made from other materials including porcelain, marble, granite, fibreglass, polymarble or ceramics
- Accidental damage
-
- Optional
- Covers accidental loss and damage to home and contents
- Covers damage caused by motor burnout
- Covers fully enclosed and lockable parts of the home
- Covers furniture; furnishings; household decorative items; works of art; wall hangings; household ornaments; televisions; visual display units; kitchen, dining room, lounge room, bedroom and bathroom wares; floor carpets and household and domestic electrical and electronic goods
- Covers glass in radios, clocks, vases, ornaments and lamps
- Covers outdoor furniture in the open air
- Covers personal computer equipment and associated hardware
- No cover for cracking, chipping or breakage of handheld glass, glassware or china items while being used
- No cover for fish tanks
- No cover for outdoor swimming pools or spas and equipment, including covers and liners
- Separate optional cover available for mobile phones
- Up to 5% contents sum insured for contents in the open air
- No cover for minor dents, scratches or chips that does not affect the overall useability
- No cover for damage caused by power surge (unless caused by another insured event); or mechanical, electrical or electronic breakdown or failure of items (except motor burnout)
- No cover for burning, melting or scorching caused by processes that involve heat or fire, cigaretes, cigars, pipes, tobacco, ash or other substances designed to be burned or heated up
- No cover for damage if you rent out your home
Claims
- Out-of-hours claiming
- Online and 24/7 phone
- How the insurer can settle your claim
-
- 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
- Customer cost
- Cash settlement for contents claims
- Customer cost
- New for old contents replacement
- Covered (excludes clothing and floor carpets that are over 10 years old)
- Unoccupied homes
-
- You must inform insurer if home will be unoccupied for more than 60 days
- If you don't inform insurer, cover limited to animal damage, earthquake, flood, impact, lightning, riots, storm and tsunami
Building
- Motor burnout
-
- Motors up to 10 years
- Optional
- Keys and locks after break-in
- Up to $1000 overall
- Gardens and landscaping
- Up to $1000 overall
- Costs to comply with building regulations
- Reasonable cost
- Professional fees
-
- Up to 10% sum insured overall
- Paid on top of sum insured
- Mortgage discharge fees
- Not covered
- Debris removal and demolition
-
- Up to 20% sum insured overall
- Paid on top of sum insured
- Exploratory costs
-
- Applies to claims for leaks
- Covers costs to locate where leak is coming from
- Up to 10% sum insured overall
- Does not cover cost to fix leak
- Temporary accommodation
-
- Up to 12 months or 10% building sum insured
- Paid on top of sum insured
- Up to 14 days for short term accommodation
- Available after a claim for building damage
Contents
- Cover for unspecified portable contents
-
- Covers some items for insured events and accidental loss/damage
- Choose overall limit from $2000–$8000
- Choose limit from $500–$2000 per item
- Covered anywhere in Australia and New Zealand
- $300 excess
- Optional
- Optional cover for individual portable valuables
-
- Cover for insured events and accidental loss/damage
- Covered anywhere in Australia and New Zealand
- $300 excess
- Contents in the open air
-
- Up to 5% sum insured overall
- Cover for theft
- Optional cover for accidental damage
- No cover for impact
- Emergency storage
-
- Up to 10% contents sum insured
- Paid on top of sum insured
- Covers moving/storing contents
- Jewellery
-
- Up to $6000 overall
- Up to $2000 per item
- Artworks
-
- Up to $12000 overall
- Up to $2000 per item
- Collections (e.g. stamps, coins)
- Up to $2000 overall
- Digital media
- Up to $5000 overall
- Spoiled food
-
- Up to $1000
- Covers frozen or refrigerated food, goods and medicines
- Covers spoilage caused by insured events, sudden escape of refrigerant fumes, refrigerator or freezer breaking down and failure of public electricity supply
- Optional cover for motor burnout
- No excess for claims relating only to spoilage
- Visitors' contents
- Up to $500 overall
- Pet cover
-
- Up to $750 overall
- Cover for illness, disease, accidental injury and ongoing treatments
- 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, flood, water runoff and road accident
