Sum insured policy. Provided by RACQ. Available in Queensland
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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 in Australia
Cost
Covered events
- 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 $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 contents in a boarding house, dormitory, nurse's quarters, barracks or similar building if thief enters home through an open or unlocked door, window or skylight
- Does not cover contents in common areas
- Does not cover theft of cash, gift cards or travellers cheques if thief enters home through an open or unlocked door, window or skylight
- 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
- 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 water in swimming pools and spas
- 72 hour waiting period for flood and water runoff
- 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
- 72 hour waiting period
- 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 water in swimming pools and spas
- 72 hour waiting period
- 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
- 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
- Optional
- Covers accidental loss and damage to your contents
- Covers damage caused by motor burnout
- 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 damage caused by 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
- 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 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
- Cover for insured events and accidental loss/damage
- Covered anywhere in Australia and New Zealand
- $300 excess
- Up to 5% sum insured overall
- Cover for theft
- Optional cover for accidental damage
- No cover for impact
- Up to 12 months or 10% sum insured
- Paid on top of sum insured
- Up to 14 days for short term accommodation
- Up to 20% sum insured overall
- Paid on top of sum insured
- Up to 10% sum insured
- Paid on top of sum insured
- Covers moving/storing contents
- Motors up to 10 years
- Optional
- Up to $6000 overall
- Up to $2000 per item
- Up to $12000 overall
- Up to $2000 per item
- Up to $1000 overall
- Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
- Up to $750 overall
- Cover for illness, disease, accidental injury and ongoing treatments
- Optional
- Up to contents sum insured overall
- Cover for fire, flood, water runoff and road accident
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