| | Building
Insurance | Contents
Insurance |
|---|
| Theft We will pay for loss or damage caused by theft or burglary at the premises, committed by any person not living at the premises. |  | |
| Fire We will pay for loss or damage caused by accidental fire. | | |
| Earthquake and Tsunami We will pay for loss or damage caused by an earthquake, including damage caused as a direct result of the earthquake for up to 72 hours after the earthquake occurred. We will also pay for loss or damage caused by a tsunami. | | |
| Lightning We will pay for loss or damage caused by lightning. | | |
| Explosion We will pay for loss or damage caused by accidental explosion. | | |
| Riot We will pay for loss or damage caused by riot or civil commotion. | | |
| Storm We will pay for loss or damage caused by storm and storm water overflow from gutters or from the area around the premises. | | |
| Escaping Water We will pay for loss or damage caused by water escaping suddenly and without warning from a swimming pool, roof gutters, their downpipes, sinks, baths, toilets and fixed plumbing, that form part of your home buildings, if you have home buildings cover with us; or from household appliances like washing machines, dishwashers, refrigerators or freezers that form part of your home contents, if you have home contents cover with us | | |
| Impact We will pay for loss or damage caused by a motor vehicle, aircraft, watercraft or object colliding or impacting with the home buildings or home contents. | | |
| Malicious Damage We will pay for loss or damage intentionally caused by any person not living at the premises. | | |
| Legal Liability We will pay up to $20,000,000 for your legal liability for an accident that results in death, personal injury, or property damage of a third party not living with you. | | |
| Emergency Repairs We will also pay for the reasonable cost of emergency repairs needed to make your home buildings safe and secure when a claim is accepted under your home buildings policy. The most we will pay for each claim is $400 after excess. | | |
| Cleaning up and Professional fees We will also pay for the reasonable cost of demolishing and removing debris from the premises, and related professional fees for an engineer, architect or surveyor when a claim is accepted under your home buildings policy. The most we will pay is 20% of the sum insured. | | |
| Temporary Accommodation We will pay the reasonable cost of your temporary accommodation, being of the same type and quality as your insured property, for a period of up to 12 months while your home buildings are being repaired or rebuilt, if you cannot live at the premises after an insured event for which a claim is accepted under your home buildings policy. The most we will pay for each claim is 10 % of the amount your home buildings are insured for.
Or if you live in a strata title building, we will pay the reasonable cost of your temporary accommodation, being of the same type and quality as your insured property, for a period of up to 12 months while your home buildings are being repaired or rebuilt, if you cannot live at the premises after an insured event for which a claim is accepted under your home contents policy. The most we will pay for each claim is 10 % of the amount your home contents are insured for. | | |
| Landlord’s Loss of Rent If you have home buildings cover with us, we will also pay a sum equal to your loss of net rental income for up to 12 months, if your home buildings were rented out and are not safe to live in after a loss caused by an insured event. The most we will pay for each claim is 10 % of the amount your home buildings are insured for. | | |
| Tenant’s Liability We will also pay for loss or damage caused by an insured event to your landlord’s fitted carpets, fixtures and fittings if you are the tenant of the rental property where your home contents are located and insured under a policy with us; and you are responsible to arrange insurance cover for those items under the terms of your rental or lease agreement. The most we will pay for each claim is 10 % of the amount your home contents are insured for. | | |
| Contents Outside If you have home contents cover with us, we will also pay for loss or damage caused by an insured event to home contents located outside your home but at the premises. The most we will pay for each claim is $2,500 after excess; unless you have requested a higher amount and it is shown on your policy schedule. | | |
| Home Office We will also pay for loss or damage caused by an insured event to your general office equipment located inside your home, including computers, furniture and furnishings used by you or a household member for the purpose of a home office, if you have told us and it is shown on your policy schedule. The most we will pay for each claim is 20 % of the amount your home contents are insured for. | | |
| Accidental Damage We will also pay for the reasonable cost of replacing accidentally damaged glass or ceramic that is fitted at the premises, if you have home buildings cover. The most we will pay for each claim is 10 % of the amount your home buildings are insured for; or that forms part of your home contents, if you have home contents cover with us. The most we will pay for each claim is 10 % of the amount your home contents are insured for. | | |
| Locks & Keys We will also pay for the reasonable cost of replacing the keys and/or locks to the external doors or windows of your home if the keys to your home are stolen, if you have home contents cover with us. The most we will pay for each claim is $500 after excess. | | |
| Contents in Transit We will also pay for loss or damage to home contents in transit, caused by a motor vehicle accident or fire while you are in the process of moving to another address, but only while your home contents are inside the removal truck of a professional removalist, and if you have home contents cover with us. The most we will pay for each claim is 20 % of the amount your home contents are insured for. | | |
| Cover while you Move We will also pay for loss or damage to home contents at your new address, caused by an insured event, for a period of up to 14 days from the day you start your move to a new permanent address, if you have home contents cover with us and we would have insured your home contents at the new address. | | |
| Golf Hole in One We will pay the sum of $200 if you hit a hole-in-one in an official club competition game of golf, on any Australian golf course, if you have home contents cover with us. This amount will only be paid once during the term of your policy. No excess is applied to a claim under this benefit. | | |
| Lawn Bowls Full House We will pay the sum of $200 if you bowl a full-house in an official club competition game of lawn bowls, on any Australian bowling green, if you have home contents cover with us. This amount will only be paid once during the term of your policy. No excess is applied to a claim under this benefit. | | |
| International Sporting Record We will pay the sum of $200 if you or a member of your immediate family who still lives with you, break an officially recognised international sporting record, if you have home contents cover with us. This amount will only be paid once during the term of your policy. No excess is applied to a claim under this benefit. | | |
| Multiple Births We will pay the sum of $100 per baby, if you or a member of your immediate family who still lives with you, give birth to two or more babies from the same natural pregnancy, if you have home contents cover with us. This amount will only be paid once during the term of your policy. No excess is applied to a claim under this benefit. | | |
| Burnout of Electric Motors We will pay for the reasonable cost of repairing or replacing burnt out electric motors fitted at the premises, if you have paid extra premium and it is shown on your home buildings policy schedule. The most we will pay for each claim is $1,000 after excess.
We will pay for the reasonable cost of repairing or replacing burnt out electric motors that form part of your household appliances at the premises, if you have paid extra premium and it is shown on your home contents policy schedule. The most we will pay for each claim is $1,000 after excess. | Opt | Opt |
| Pet Injury Cover If you have chosen Pet Injury Cover, and paid extra premium, and it is shown on your Home contents policy schedule, we will pay for the reasonable cost of veterinary fees you have to pay for accidental injury to your family cat or dog, that is normally kept at the premises. The most we will pay for each claim is $1,000 after excess. The most we will pay for each pet during the term of your policy is $1,000 after excess. | | Opt |
| Away from Home Cover We may offer you the option, at additional premium, to cover portable, personal items carried on or by a person, while you are away from the premises.
We will pay for loss or damage up to the amount shown on your policy schedule, caused to your personal effects while they are away from the premises anywhere in Australia or New Zealand, or in any other country, provided that your total stay overseas does not exceed 45 days. | | Opt |
| *Disclaimer: This product comparison summary is not intended to replace or in any way vary our Product Disclosure Statement. Please read the entire Product Disclosure Statement for details of features and limitations. |