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Accidental damage
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Cover for accidental damage to your building and/or insured items at the home.
- Optional
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Fire
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Cover for damage caused by fire and its by-products (smoke, soot, ash, etc). Waiting periods for bushfire may apply, unless you are switching from another policy with equivalent cover with no change in sum insured.
- • Covers fire, bushfire, grassfire and smoke
• Accidental damage option covers scorching/melting -
Explosion
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In some policies the actual exploding object is not covered.
- Yes
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Theft
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Cover for theft or burglary from your home. Most insurers require you to make a police report.
- • Covers theft, attempted theft, burglary and attempted burglary
• No cover for theft by residents, people employed at the home, people invited into the home or people acting with the insured's consent
• Up to $500 for security firm callout -
Breakage
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Damage to easily broken objects like mirrors. Not to be confused with accidental damage, which is a broader level of cover.
- Yes
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Escape of liquid
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From pipes, tanks, pools, spas, baths/basins, aquariums, waterbeds etc. Excludes faulty workmanship or leaks that cause damage over time.
- Yes
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Impact damage
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Cover if a tree falls on your house or a car crashes into your front room, for example. Some insurers that cover animal damage do so under this event.
- Yes
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Vandalism
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May also be called "malicious damage". Some insurers also classify "riot" as a separate event.
- Yes
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Flood
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Flood as per the standard industry-wide definition. Waiting periods may apply unless you are switching from another policy with equivalent cover with no change in sum insured.
- • Covers flood and flood water combined with run-off or rainwater<br>• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood<br>• No cover for damage caused by shrinkage/expansion of earth or hydrostatic pressure<br>• No cover for damage to retaining walls; pontoons; jetties; bridges; trees; shrubs; plants planted in the ground; or swimming pool/spa covers, liners or solar domes<br>• No cover for cleaning mud/debris out of tanks, swimming pools or spas<br>• Gates and fences not covered if in poor condition or not well maintained, and this contributes to the damage<br>• 72 hour waiting period
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Storm and cyclone
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Cover for storm damage, including from wind, hail, snow and rainwater runoff (some insurers cover runoff under flood). Waiting periods may apply unless you are switching from another policy with equivalent cover with no change in sum insured.
- • Covers storm, cyclone, rainwater and run-off<br>• Accidental damage option covers rainwater, run-off, hail, wind or water entering building through opening not made by the storm<br>• Covers soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm<br>• No cover for damage caused by hydrostatic pressure<br>• No cover for damage to trees, shrubs and plants in ground; retaining walls; or swimming pool/spa covers, liners and solar domes<br>• No cover for damage caused by rainwater to external paintwork or other exterior coatings<br>• No cover for cleaning mud/debris out of tanks, swimming pools or spas<br>• 72 hour waiting period for cyclone
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Storm surge
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Where the sea level rises as a result of a storm. You may also have to claim for storm damage or flood for this to be covered. Some insurers only cover in the event of cyclone. If this is important cover for you, check the PDS.
- No
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Action of the sea
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This usually covers the normal movements of the sea, including damage from king high tides, water erosion, etc.
- No
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Earthquake
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Earthquake cover often comes with an additional excess of $300 or more. Check your PDS for details.
- Yes
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Tsunami
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Products that cover tsunami usually include it under earthquake cover, and often comes with an additional excess of $300 or more. Check your PDS for details.
- Yes
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Animal damage
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This cover often comes with a range of exclusions - insect damage or damage caused by your pets typically isn't covered, for example.
- • Covers impact damage caused by animals
• Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
• No cover for impact damage caused by domestic pets kept in building
• No cover for damage caused by birds or insects
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Out-of-hours claiming
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The easiest ways to begin a claim outside business hours. All insurers have a phone line you can call during the day, and some insurers still have in-branch claiming.
- Online and 24/7 phone
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How the insurer can settle your claim
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Insurers will settle your claim in one of three ways.
- • 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
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How much will you get in a cash settlement? How a cash payout is calculated can depend on whether you request it or the insurer offers it. Customer cost: The insurer will pay what it will reasonably cost you to repair/replace your property. Insurer cost: The insure will pay what it would cost them. This offer may take into account trade discounts the insurer can access, leaving you out of pocket.
- Customer cost
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Cash settlement for contents claims
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How much will you get in a cash settlement? How a cash payout is calculated can depend on whether you request it or the insurer offers it. Non-cash alternatives might include gift cards, pre-paid debit cards, store credit, etc. Customer cost: The insurer will pay what it will reasonably cost you to repair/replace your contents. Insurer cost: The insurer will pay what it would cost them. This offer may take into account trade discounts the insurer can access, leaving you out of pocket.
- • Customer cost if insurer offers cash
• Insurer cost if you ask for cash (may be less than retail cost)
• Insurer may offer non-cash alternatives -
New for old contents replacement
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All insurers promise to replace contents with equivalent new items, although some policies have exceptions.
- Yes (excludes mobile phones and tablets (may be replaced with refurbished model))
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Motor burnout
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Cover for burnout of motors that are part of your building, eg automatic garage doors or air conditioner units. Motors in contents are also frequently covered, eg washing machines. Also called motor fusion.
- • Motors up to 10 years
• Optional -
Keys and locks after break-in
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Cover for replacing locks and re-coding electronic keys after a break-in or theft of the keys. Policies usually stipulate you report the break-in to the police.
- Up to $1000 overall
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Gardens and landscaping
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Typically includes trees, shrubs, etc planted in the ground. Lawns are usually excluded. Potted plants are usually defined as contents, and treated separately.
- • Up to $5000 overall
• No cover for cyclone, flood, rainwater, storm or tsunami -
Costs to comply with building regulations
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During rebuilding, in the event of total loss.
- • Up to $5000 overall
• Paid on top of sum insured -
Professional fees
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Cover the cost of professionals such as surveyors, engineers and architects.
- • Up to $5000 overall
• Paid on top of sum insured -
Mortgage discharge fees
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Fees your bank might charge for early payment of your mortgage in the event of the total loss of your building.
- No
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Debris removal and demolition
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To demolish and remove debris after an insured event. Cover also applies to contents claims unless specified.
- • Up to 10% sum insured overall
• Paid on top of sum insured -
Temporary accommodation
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If your home is uninhabitable after an insured event.
- • Up to 12 months or 10% sum insured
• Paid on top of sum insured
• Building claims: covers rental accommodation for you and your pets
• Contents claims: covers temporary accommodation, mail forwarding, additional gas/electricity costs, rental bonds and removal/storage of undamaged contents
• Up to $500 for pet boarding
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Cover for unspecified portable contents
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Cover for unspecified portable items such as jewellery, phones and sporting equipment. Some insurers will cover general contents away from home, while others cover a limited range of items (check the PDS for specifics). You may be covered for accidental loss and damage, on top of the usual list of insured events. In some cases you will pay a reduced excess.
- • Covers some items for theft and accidental loss/damage
• Choose overall limit from $1000–$7500
• Choose limit from $500–$2000 per item
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess
• Optional -
Optional cover for individual portable valuables
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For an extra premium you can insure individual portable valuables against accidental loss or damage. Individually listed items are insured for their replacement value and will be shown on your certificate of insurance. Your insurer may require you to list something if it is worth more than the item limit for "unspecified" portable contents. Some insurers will only cover certain items if you specify them, such as phones.
- • Cover for theft and accidental loss/damage
• Covered anywhere in Australia, and for up to 120 days in rest of the world
• $100 excess -
Contents in the open air
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Open air usually includes any area on your property that is exposed to the elements, but may also include unlockable areas like a garden shed. Each insurer has different definitions, so check with them for restrictions.
- Up to $2000 overall
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Emergency storage
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Covers the cost of commercial storage for your undamaged contents, if they are unable to be kept at your home or temporary accommodation after an insured event.
- • Up to 12 months
• Covers moving/storing undamaged contents -
Jewellery
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Limits for unlisted jewellery at the home. If you want a higher level of cover or need cover away from home, see listed valuables cover above.
- • Up to $7500 overall
• Up to $2500 per item, set or collection -
Artworks
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Cover for unlisted works of art. If you want a higher level of cover, you may be able to specifically list individual items.
- • Up to $7500 overall
• Up to $2500 per item, set or collection -
Collections (e.g. stamps, coins)
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Cover for unlisted collections (eg coins, stamps). If you want a higher level of cover you may be able to specifically list the collection. In some cases cover may depend on the type of collection, so check the PDS.
- • Up to $7500 overall
• Up to $2500 per item, set or collection -
Digital media
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Cover for contents such as digital media, software, and storage (e.g. discs, drives).
- Up to $2000 overall
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Spoiled food
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Typically you won't pay the full excess unless it is as a result of an insured event (in which case you'll probably be claiming for other damages).
- • Cover for insured events, unit failure, escape of refrigerant fumes and failure of public electricity supply
• Up to $500 for natural disaster -
Visitors' contents
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Cover for your visitors' belongings if they are lost or damaged in an insured event. Standard exclusions and restrictions will apply.
- Up to $5000 overall
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Pet cover
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Some policies will cover your vet bills in certain circumstances.
- • Up to $500 overall
• Cover for road accident injury -
Overlapping cover at a new house
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Let your insurer know you're moving house and they may cover your contents at both properties during the moving process.
- Up to 14 days cover at both addresses
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Cover for contents while moving house
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Cover while moving your contents to a new home. Usually only covers your contents while they're in the moving truck, not while you're loading in or out.
- • Up to contents sum insured overall
• Included in optional accidental damage cover