A sum insured policy. We've scored this policy on cover only, because the insurer doesn't share its price data.
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Description
Cover summary
- Building cover
- Nominate a sum insured for your building
- Contents cover
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- Nominate a sum insured for your contents
- Specify a sum insured for each item worth more than $15000
- 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
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- NSW price comparison
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- NT price comparison
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- North Queensland price comparison
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- 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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Covered events
- Theft
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- Covers loss and damage due to theft, attempted theft and burglary
- Covers theft by people carrying out a commercial service
- Up to $1000 for cost of replacing locks and keys to external doors or windows, after theft of keys ($100 excess if only claiming this)
- No cover theft by deception
- No cover for theft by you or residents
- No cover for theft by people allowed onto premises by you, your tenant, or someone who had your or your tenant's authority to do so
- Fire
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- Covers accidental fire and bushfire
- Also covers fire caused by mechanical, electrical, electronic breakdown or failure
- Also covers fire caused by power surge
- Also covers damage caused by soot or smoke from bushfire
- Also covers damage caused by soot or smoke from accidental fire within 100m of building
- No cover for glowing, heat, smouldering, scorching, melting where there is no flame
- 72 hour waiting period for bushfire
- Flood
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- Covered
- Covers damage caused by landslip and subsidence but must occur within 72 hours of flood
- No cover for landslip, subsidence or erosion of occurring over time
- No cover for damage caused by rising damp or seepage
- No cover for retaining walls
- No cover for jetties or pontoons
- No cover for water leaking down the sides or against the sides or underneath damage to in-ground structures
- 72 hour waiting period
- Storm and cyclone
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- Covers damage caused by storm, lightning, wind, hail and snow
- Also covers damage caused by stormwater overflow from roof gutters, downpipes and the area immediately around premises
- Also covers damage caused by rain, wind, hail or snow entering building through opening created by the storm and through opening not created by the storm, that you could not reasonably have been aware of
- Also covers damage caused by power surge caused by the storm and mechanical, electrical or electronic breakdown or failure caused by the storm
- Covers damage caused by landslip and subsidence but must occur directly because and within 72 hours of storm
- No cover for damage caused by rain, wind, hail or snow entering building through open windows, doors or openings made for alterations, renovations or repairs
- No cover for landslip, subsidence or erosion of occurring over time
- No cover for damage caused by rising damp or seepage
- No cover for retaining walls
- No cover for cost to remove or prune fallen trees, branches or other objects that have not damaged the property
- No cover for jetties or pontoons
- No cover for water leaking down the sides or against the sides or underneath damage to in-ground structures
- Additional excess applies if you submit claim more than 90 days after storm
- 72 hour waiting period
- Storm surge
- Not covered
- Action of the sea
- Not covered
- Tsunami
- Covered
- Explosion
- Covered
- Earthquake
- Covered
- Vandalism
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- Covers intentional damage
- No cover for damage by you or tenants
- No cover for damage by people allowed onto premises by you, tenant, or someone with authority to allow them (unless carrying out a commercial service)
- Riot & civil unrest
- Covers riot and civil commotion
- Impact damage
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- Covers damage caused by falling trees or branches
- Covers damage caused by vehicles; watercraft; or objects falling from a vehicle, watercraft or aircraft
- Covers damage caused by power poles, flagpoles or masts
- Covers damage caused by aerials or satellite dishes
- Covers damage caused by aircraft, space debris, meteorites or asteroids
- Accidental damage option covers damage caused by your actions or those of someone acting with your authority
- No cover for damage caused by pruning, transplanting, tree lopping or felling by you or anyone acting on your behalf
- No cover for damage to driveways, paths, paving or underground services caused by vehicles, cranes or earthmoving equipment
- Does not cover cost of removing or pruning fallen trees or branches that have not damaged the property
- Does not cover cost of removing the stump of the tree that caused the impact
- Animal damage
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- Covers damage caused by animals not kept at the premises
- Covers fire caused by amphibians, insects, lizards, pets, rodents, vermin or other animals kept at or allowed onto premises
- Covers damage caused by birds that are accidentally trapped inside building biting, chewing, clawing, pecking, scratching, soiling, tearing or urinating
- Covers damage caused by amphibians, insects, lizards, rodents or vermin escaping water
- Accidental damage option covers damage caused by pets or other animals kept at or allowed onto premises
- No cover for damage caused by any other animal biting, chewing, clawing, pecking, scratching, soiling, tearing or urinating
- Escape of water and other liquids
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- Covers water escaping that occurs suddenly and without warning
- Covers water escaping that occurs slowly over a period of time and you could not reasonably have been aware of it
- No cover for damage caused by rising damp or seepage
- No cover for water escaping from pipes designed to leak; leaks in shower bases, recesses or cubicles (including drains, walls and screens); baths, showers or basins as a result of splashing while in use; watering systems; hoses; pot plants; vases; terrariums; beverage containers; saucepans; buckets; or watering cans
- No cover for items from which water escaped
- No cover for retaining walls
- Breakage
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- Up to 10% sum insured for each claim (does not apply if items broken as a result of other insured event)
- Covers: – glass and ceramics fitted at the premises – glass and ceramics that forms part of the contents – picture, mirror or window frames and housings where necessary
- Covers cost to reconnect electrical components
- Accidental damage option covers: – tiles – damage to the building by the broken glass or ceramics – light bulbs and tubes – damage to contents by the broken glass or ceramics – cooking or heating appliances – items outside private domestic residence – televisions and computers or any other electronic devices – glasshouses and conservatories
- Breakage must extend through entire thickness of item
- Accidental damage
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- Optional
- Choose cover for building, contents, or both
- Covers accidental loss and damage to home and contents
- No cover for business items (insurable under a separate option)
- No cover for retaining walls, jetties or pontoons
- No cover for swimming pools or outdoor spas including covers, liners, other equipment
- No cover for damage caused by earthworks, construction or renovation
- No cover for burning, melting or scorching caused by processes that involve heat or fire relating to any substance designed to be burned or heated up
Claims
- Out-of-hours claiming
- Online and 24/7 phone
- 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
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- Additional excess (amount not disclosed) if unoccupied for more than 60 consecutive days
- You must receive insurer approval if home will be unoccupied for this long
- You may be charged an additional premium
Building
- Motor burnout
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- Up to $1000 overall
- Motors up to 10 years
- Keys and locks after break-in
- Up to $500 overall
- Gardens and landscaping
- Not covered
- Costs to comply with building regulations
- Not covered
- Professional fees
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- Up to 20% sum insured overall
- Limit combined with debris removal
- Mortgage discharge fees
- Not covered
- Debris removal and demolition
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- Up to 20% sum insured overall
- Limit combined with professional fees
- Building only
- Exploratory costs
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- Applies to claims for escaping water
- Covers cost of using the most appropriate method to detect source of escaping water
- Also covers repairs to damage caused doing so
- Up to reasonable cost
- Temporary accommodation
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- Up to 12 months or 10% building sum insured
- Paid on top of sum insured
- Covers residential accommodation at a similar standard to your home, mail redirection, utility connection costs and removal costs
- Up to 48 weeks for residential accommodation
- Up to 4 weeks for emergency or short-term accommodation
- Up to $3000 for pet accommodation
- Up to $250 per month of pet accommodation
- Available after a claim for building damage
Contents
- Cover for unspecified portable contents
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- Covers general contents for accidental loss/damage
- Up to contents sum insured overall
- Up to $15000 per item
- Covered anywhere worldwide
- Contents excess applies
- Optional
- Optional cover for individual portable valuables
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- Cover for accidental loss/damage
- Covered anywhere worldwide
- Contents excess applies
- Contents in the open air
- Up to 10% sum insured or $20000 overall
- Emergency storage
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- Up to 10% contents sum insured
- Paid on top of sum insured
- Covers moving/storing contents
- Jewellery
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- Nominate a sum insured for this category
- Up to $15000 per item, set or pair
- Optional
- Artworks
- Up to general contents item limit per artwork
- Collections (e.g. stamps, coins)
- Up to general contents item limit per item, set or pair
- Digital media
- Not covered
- Spoiled food
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- Up to replacement cost
- Covers food and medicine
- Covers spoilage caused by insured events
- 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 20% contents sum insured overall
- Cover for fire and accident involving removal vehicle
