| Cover |
Includes |
| Type of Policy: |
Home Essential
|
Home Elite
|
|
Cover is Provided For:
|
Insured events only
|
Insured events plus accidental loss or damage
|
|
Flood (as a result of a watercourse or lake overflowing) read more
|
No
|
No
|
| Rainwater (as a result of rainwater overflowing from storm water drains or channels) |
Yes
|
Yes
|
| Storm (including thunderstorm, cyclone and tornado) |
Yes
|
Yes
|
| Actions of the sea (excluding tsunamis caused by earthquake) |
No
|
No
|
|
New for Old Replacement
|
Yes
|
Yes
|
|
Legal Liability
|
Yes
|
Yes
|
|
Rebuilding Costs
|
15% of sum insured
|
15% of sum insured
|
|
Sum Insured Safety Net
|
20% of sum insured
|
20% of sum insured
|
|
Emergency Accommodation
|
$2,000
|
$2,000
|
| Temporary Accomodation |
Lesser of 20% of sum insured or 12 months |
Lesser of 20% of sum insured or 12 months |
|
Alternative Accommodation
|
12 months or
20% of sum insured
|
12 months or
20% of sum insured
|
|
Building Materials (awaiting Installation at your home)
|
$2,500
|
$5,000
|
|
Exploratory Costs (to find the source of a leak)
|
Reasonable Costs
|
Reasonable Costs
|
|
Landscaping (trees, shrubs & plants)
|
$250 per item and $2,500 per claim
|
$250 per item and $5,000 per claim
|
|
Locks & Keys
|
$1,500
if keys are stolen from your home
|
$2,500
if keys are lost or stolen
|
|
Loss of Water or Gas
|
$500
|
$500
|
|
Rainwater Tanks
|
Included in Sum Insured plus$1,500
|
Included in Sum Insured plus $1,500
|
|
Solar Panels
|
Included in Sum Insured plus $2,000
|
Included in Sum Insured plus $2,000
|
|
Mortgage discharge costs
|
$5,000
|
$5,000
|
|
Modifications to the Home
|
$10,000
|
$25,000
|
|
Funeral Expenses (as a result of an insured incident )
|
$10,000 in any one period of insurance
|
$25,000 in any one period of insurance
|
| Malicious acts by tenants |
Sum Insured
|
Sum Insured
|
| Theft, attempted theft, burglary or housebeaking by tenants |
Sum Insured
|
Sum Insured
|
| Accidental loss or damage caused by tenants |
N/A
|
Sum Insured
|
| Loss of rent |
- Loss or damage -
52 weeks rent
- Tenant default -
12 weeks rent
|
- Loss or damage -
52 weeks rent
- Tenant default -
12 weeks rent
|
|
Cash, postal notes, money orders, stamps and negotiable items
|
$500 in total
|
$750 in total
|
| Collections & Memorabilia |
$2,500 per item and $15,000 in total
|
$2,500 per item and $15,000 in total
|
|
Works of Art (including pictures, ornaments, vases, tapestries and rugs)
|
- $10,000 per item
- 20% of sum insured in total
|
- $10,000 per item
- 20% of sum insured in total
|
|
Contents in the Open Air
|
- Cash and Negotiable $200
- Theft Claims $2,500
- All others - 20% of sum insured
|
- Cash and Negotiable $500
- Theft Claims $5,000
- All others - 20% of sum insured
|
| Contents in storage |
Lesser of $5,000 or
12 months
|
Lesser of $5,000 or
12 months
|
|
Contents Temporarily Removed
|
- $1,500 per item of contents
- 20% of sum insured
- $1,500 per item of unspecified personal property
- $10,000 in total of
unspecified
personal property
|
- $2,500 per item of contents
- 20% of sum insured
- $2,500 per item of unspecified personal property
- $15,000 in total of
unspecified
personal property
Cover anywhere in Australia.
|
|
Computers & Home Office Equipment
|
$10,000
|
$10,000
|
|
Credit Cards or other Financial Transaction Cards
|
$1,500
|
$1,500
|
|
Food & Medication Spoilage
|
$1,500
|
$1,500
|
|
Security Firm Attendance
|
$2,500
|
$2,500
|
|
Tools and Equipment
|
$5,000
|
$5,000
|
|
Vets Fees
|
$1,000
|
$1,000
|
|
Guests or Visitors’ Contents
|
$2,500
|
$5,000
|
| Moving to a new address |
Sum Insured
|
Sum Insured
|
| Removal of debris |
$5,000
|
$5,000
|
| Spare parts and accessories |
$1,000
|
$1,000
|
| Temporary repairs |
$1,000
|
$1,000
|
| Theft of handbag or wallet |
Cash and negotiable - $200
$500 in total
|
Included - Content and personal property limits apply
|
| While at Your Home |
$1,500 per item and $10,000 in total
|
$2,500 per item and $15,000 in total
|
| While Temporarily Removed |
$1,500 per item and $10,000 in total
|
$2,500 per item and $15,000 in total
Includes accidental loss or damage anywhere in Australia and up to 90 days overseas
|
|
Unspecified Personal Property
|
Optional cover
$1,500 per item and $10,000 in total.
Includes accidental loss or damage anywhere in Australia and up to 30 days overseas.
|
Automatically included
$2,500 per item and
$15,000 in total.
Includes accidental loss or damage anywhere in Australia and up to 90 days overseas.
|
|
Specified Personal Property
|
Optional cover
Individual sums insured for each item.
|
Optional cover
Individual sums insured for each item.
|
| Malicious acts by tenants |
Sum Insured
|
Sum Insured
|
| Theft, attempted theft, burglary or housebeaking by tenants |
Sum Insured
|
Sum Insured
|
| Accidental loss or damage caused by tenants |
N/A
|
Sum Insured
|
| Loss of rent |
- Loss or damage -
52 weeks rent
- Tenant default -
12 weeks rent
|
- Loss or damage -
52 weeks rent
- Tenant default -
12 weeks rent
|
| Landlords contents |
$10,000 limited cover provided automatically |
$10,000 limited cover provided automatically |
| While at Your Home |
$1,500 per item and $10,000 in total
|
$2,500 per item and $15,000 in total
|
| While Temporarily Removed |
$1,500 per item and $10,000 in total
|
$2,500 per item and $15,000 in total
Includes accidental loss or damage anywhere in Australia and up to 90 days overseas
|
|
Unspecified Personal Property
|
Optional cover
$1,500 per item and $10,000 in total.
Includes accidental loss or damage anywhere in Australia and up to 30 days overseas.
|
Automatically included
$2,500 per item and
$15,000 in total.
Includes accidental loss or damage anywhere in Australia and up to 90 days overseas.
|
|
Specified Personal Property
|
Optional cover
Individual sums insured for each item.
|
Optional cover
Individual sums insured for each item.
|
