A sum insured policy sold only in regional Queensland. Accidental damage cover is optional.
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Description
- Insurer
- Sure
- Policy
- Home & Contents
- Provider
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- Liberty Mutual Insurance Company, Australia Branch
- Pacific International Insurance Pty Ltd
- The New India Assurance Co. Ltd
- Chubb Insurance Australia Limited
- About the insurer
Cover summary
- Building cover
- Nominate a sum insured for your building
- Contents cover
- Nominate a sum insured for your contents
- Legal liability
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- Up to $20 million
- Cover for anyone living at the insured address
- 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
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- Covers loss and damage due to burglary, theft and attempted theft
- Covers burglary and theft by tenants and their guests ($2000 additional excess)
- Up to $1000 for theft of your money and your financial liability, after loss or theft of credit or ATM card anywhere in Australia
- Up to $1000 for cost to re-barrel or change locks and key codes, after loss or theft of an external door key, or a key that records your address or any other identifying information and anywhere in Australia (no excess)
- Up to $500 for accessories, parts and keys for vehicles, caravans, watercraft or trailers (must be inside home), after theft resulting from violent and forcible entry into home
- No cover for theft by you or permanent or temporary residents
- No cover for theft by people who, without violence or forced entry, enter home with your express or implied consent
- Fire
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- Covers fire and bushfire
- Covers costs incurred extinguishing fire, and preventing or minimising damage and removing fire retardant
- No cover for scorching or heat with no identified source of fire ignition or cigarette/cigar marks or scorching
- No cover for floor coverings damaged by open fire, combustion heaters, pot belly stoves or stoves
- 72 hour waiting period for bushfire
- Flood
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- Covers damage caused by flood and water runoff
- Up to $50000 or 10% building sum insured for fencing, gates and retaining or other walls (up to 1000m total)
- Up to 10% building sum insured for driveways, paths, paving and sealed roads (up to 500m total)
- No cover for damage caused by underground (hydrostatic) water pressure
- No cover for damage caused by deliberate or malicious damage to or destruction of reservoir or dam
- No cover for sporting surfaces or courts
- No cover for unsealed paths or driveways constructed from gravel or other loose material
- No cover for paths, driveways, gardens, paving, gates or fences that are not structurally sound or in good condition, and of which you were aware or should have been aware, and which caused or contributed to the loss and damage
- No cover for sea walls
- 72 hour waiting period
- Storm and cyclone
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- Covers damage caused by storm, cyclone and water runoff
- Covers damage caused by landslide and subsidence but must occur within 72 hours and as a direct result of storm
- Up to $50000 or 10% building sum insured for fencing, gates and retaining or other walls (up to 1000m total)
- Up to 10% building sum insured for driveways, paths, paving and sealed roads (up to 500m total)
- No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
- No cover for damage caused by underground (hydrostatic) water pressure
- No cover for damage caused by rain, hail or wind entering home due to as a result of a defect, structural or design fault, wear and tear or a process of gradual deterioration of which you were aware or should have been aware
- No cover for sporting surfaces or courts
- No cover for unsealed paths or driveways constructed from gravel or other loose material
- No cover for paths, driveways, gardens, paving, gates or fences that are not structurally sound or in good condition, and of which you were aware or should have been aware, and which caused or contributed to the loss and damage
- No cover for sea walls
- 72 hour waiting period
- Storm surge
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- Covered
- Up to $50000 or 10% building sum insured for fencing, gates and retaining or other walls (up to 1000m total)
- Up to 10% building sum insured for driveways, paths, paving and sealed roads (up to 500m total)
- No cover for damage caused by underground (hydrostatic) water pressure
- No cover for sporting surfaces or courts
- No cover for unsealed paths or driveways constructed from gravel or other loose material
- No cover for paths, driveways, gardens, paving, gates or fences that are not structurally sound or in good condition, and of which you were aware or should have been aware, and which caused or contributed to the loss and damage
- No cover for sea walls
- 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
- Also covers damage caused by tenents and their guests ($2000 additional excess)
- No cover for damage by you or residents
- No cover for damage by person who enters home with consent of you or resident
- Riot & civil unrest
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- Covers riot and civil commotion
- No cover for rioting after deliberate or malicious damage to a reservoir or dam
- No cover for rioting after incident involving revolution or war
- No cover for damage caused by any nuclear, ballistic or biological device
- No cover for damage caused by boarders or tenants
- No cover for damage caused by any person who enters home with consent of you or any permanent or temporary resident
- Impact damage
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- Covers damage caused by falling trees or branches
- Covers damage caused by motor vehicles, trailers, caravans or watercraft
- Covers damage caused by power poles
- Covers damage caused by satellite dishes; or television or radio aerials
- Covers damage caused by debris falling from the air, space, an aircraft, rocket, satellite or drone
- No cover for damage caused by roots of trees, plants, hedges or shrubs
- No cover for damage caused by lopping or felling trees
- No cover for damage to driveways, garage floors, carport floors, paths, paving or underground services caused by motor vehicles, cranes or earthmoving equipment
- No cover for damage to contents caused by ceiling collapse that you should have expected, but took inadequate steps to prevent or avoid
- Does not cover costs to remove tree stumps or roots still in the ground
- Animal damage
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- Covers damage caused by animals not kept at property
- Covers damage caused by animals that become accidentally trapped inside home biting, chewing, pecking, scratching, tearing or urinating/excreting
- Covers fire and escape of liquid caused by bedbugs, birds, cockroaches, fleas, insects, lice, mice, rabbits, rats, termites or vermin
- No cover for damage caused by pets at property with resident consent or pets owned/kept/cared for by resident
- Escape of water and other liquids
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- Covers sudden bursting, leaking, discharging or overflowing of water from: › drains, fixed pipes, any plumbing apparatuses fixed to a pipe, roof gutters, gutterings, rainwater downpipes and drainage or sewage systems › refrigerators, freezers, dishwashers, washing machines, waterbeds, fish tanks and fixed heating or cooling systems › fixed baths, sinks, basins and toilets › water tanks, hot water tanks and septic tanks › swimming pools and spas › water mains, water supply pipes and fire hydrants at or near home
- No cover for escape of water or liquid from agricultural pipes, hoses, watering or irrigation systems or portable containers
- No cover for damage caused by a gradual process of deterioration you were aware of (or should have been), if you did not take adequate steps to repair or replace damaged item
- No cover for damage caused by underground (hydrostatic) water
- No cover for damage caused by broken, worn or aged tiles or grouting affixed to a wall or floor you were aware of (or should have been), if you did not take adequate steps to repair or replace damaged item
- No cover for damage caused by water leaking from/through glass screens or doors
- No cover for pipes or items that were the cause of the escape
- No cover for leaks that have not caused permanent damage to home
- No cover for open shower areas, shower floors, bases or cubicles
- No cover if the water-damaged area has been repaired or replaced before insurer inspects cause of leak, except if done to prevent further loss, damage or liability
- Breakage
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- Covers: – fixed glass that forms part of the home – fixed sinks, basins, baths and toilets – glass that forms part of furniture and aquariums – glass that forms part of pictures, paintings, prints and mirrors designed to be hung from wall or freestanding
- No cover for scratches or cracks that do not extend through entire thickness or item
- Does not cover: – damage to glass that forms part of stoves, heaters, ovens or cooktops resulting from direct application of heat – picture tubes or screens of televisions or visual display units – glass that forms part of radios, clocks, vases, ornaments, lamps or photographic frames – glass in glasshouses or greenhouses
- Accidental damage
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- Optional
- Choose cover for building, contents, or both
- Covers accidental loss and damage to home and contents
- Covers damage caused by power surge
- No cover for cracking, chipping or breakage of handheld glass, glassware or items made of china while being used
- No cover for freestanding, retaining or sea walls; e-bikes; e-scooters; motorbikes; trail bikes; mini-bikes; quad bikes; all-terrain vehicles; trikes or motorised go-karts, golf kats or scooters
- No cover for mechanical, electrical or electronic breakdown of items except for motor burnout or power surge
- No cover for minor dents, scratches or chips of walls; floors or furniture
- No cover for swimming pools or outdoor spas or related equipment, including covers and liners
- No cover for burning, melting or scorching caused by cigarettes; cigars; pipes; tobacco; ash; or any substances designed to be burned, heated or ignited
- No cover for damage if your home has been rented to another person; while your home is being renovated; or after the first 90 days of the home being unoccupied, unless insurer agrees
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
- Customer cost
- Cash settlement for contents claims
- Customer cost
- New for old contents replacement
- Unoccupied homes
- You must inform insurer if home will be unoccupied for more than 90 days
Building
- Motor burnout
- Motors up to 15 years
- Keys and locks after break-in
- Up to $1000 overall
- Gardens and landscaping
- Up to $1000 overall
- Costs to comply with building regulations
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- Up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with professional fees
- Professional fees
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- Up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with building regulations
- Mortgage discharge fees
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- Up to $1500 overall
- Paid on top of sum insured
- Debris removal and demolition
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- Up to 10% sum insured overall
- Paid on top of sum insured
- Exploratory costs
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- Applies to claims for escape of water or liquid
- Covers exploratory costs to locate approximate location of leak source
- Also covers damage caused attempting to locate source of leak
- Up to reasonable cost
- Temporary accommodation
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- Up to 18 months or 10% sum insured
- Paid on top of sum insured
- Covers temporary accommodation similar to your home for people living at the address, assistance with rental bond (must be repaid to insurer), utility connection costs, removal costs and lease break fees
- Up to $500 per week, if you stay with family or friends instead
- Up to $2000 for commercial pet boarding
Contents
- Cover for unspecified portable contents
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- Covers general contents for accidental loss/damage
- Choose overall limit from up to $10000 or 25% contents sum insured
- Choose limit from $1000–$1500 per item
- Covered away from home in Australia and New Zealand
- Contents excess applies
- Optional
- Optional cover for individual portable valuables
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- Cover for accidental loss/damage
- Covered away from home in Australia and New Zealand
- Contents excess applies
- Contents in the open air
- Up to $3000 overall
- Emergency storage
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- Up to 18 months or 10% contents sum insured
- Covers moving/storing contents
- Jewellery
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- Up to $10000 overall
- Up to $5000 per set or piece
- Artworks
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- Up to $50000 overall
- Up to $10000 per item or set
- Collections (e.g. stamps, coins)
- Up to $10000 overall
- Digital media
- Up to $5000 overall
- Spoiled food
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- Up to $750
- Covers food or medications inside a refrigerator or freezer
- Covers spoilage caused by insured events, electric motor burnout, accidental unit failure and failure of commercial electricity supply
- Excludes refrigerators or freezers damaged by spoiled food
- No cover for spoilage caused by burnout of motor more than 15 year from manufacture, electricity supplier deliberately restricting supply (unless in interest of public safety), industrial strike that causes electric supply to be cut off, or accidental disconnection of power to refrigerator or freezer
- No excess if result of bushfire, cyclone or flood
- Visitors' contents
- Up to $1000 overall
- Pet cover
- Not covered
- Overlapping cover at a new house
- Up to 14 days cover at both addresses
- Cover for contents while moving house
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- Up to contents sum insured overall
- Cover for fire, collision and overturning of removal vehicle
