Cover for loss or damage to your contents caused by theft, attempted theft or burglary at the premises.
We’ll cover damage caused by bushfire or accidental fire, including damage by soot and smoke.2
We’ll cover your contents against loss or damage caused by storm, including lightning, wind, hail and snow.3
Flood cover is included as standard with your contents policy.4
Cover for loss or damage caused by escaping water such as burst pipes, toilet malfunctions or appliance failures which occurred suddenly and without warning or slowly over a period of time and you could not reasonably have been aware of it.5
We cover up to $20 million of legal liability to pay damages due to a claim for an accident that arises in relation to you or your contents and results in death, bodily injury or damage to someone else’s property.5
If you can’t live at home due to an insured event, we’ll cover your temporary accommodation costs for up to 12 months if your home is in a strata title building,6 and for up to 1-month additional rent costs if you are a tenant.7
If you’re renting and your landlord’s fitted carpets, fixtures or fittings are lost or damaged due to an insured event, and you are responsible to arrange cover for those items under the terms of your rental or lease agreement, we’ll cover the cost to repair or replace them, so you don’t have to.8
Cover for loss or damage to contents caused by impact from falling branches, trees, power poles, and satellites.5
Cover for loss or damage to your contents caused by earthquake.9
Loss or damage to contents caused intentionally by someone not living at or invited onto the premises is automatically covered.5
If you’re moving from one home to another, your contents will automatically be covered at the new home for up to 14 days from the day you start your move.5
Cover for loss or damage caused by accidental explosion.5
If your house keys are stolen, we’ll cover the replacement cost up to $1,000 after excess.5
Contents are covered for loss or damage caused by an animal, excluding pets, vermin, insects and certain bird behaviours.5
After an insured event, if they cannot be kept at the premises, we’ll cover the cost of storing any undamaged contents until they can be returned to the premises.10
We’ll pay for the cost of repairing or replacing burnt-out electric motors in your household appliances caused by mechanical, electrical or electronic failure up to $1,000 after excess.5
Cover for the cost of replacing your accidentally broken glass or ceramics up to a value of 10% of the amount your contents are insured for after excess.5
Cover for loss or damage to contents kept outside on your property up to a maximum of $20,000 after excess.11
We’ll cover your contents if they’re damaged due to a motor accident or fire while they’re in the truck of a professional removalist.12
We’ll pay up to $10,000 after excess for the damage to or soiling of your contents as a result of physical assault or death, or the police investigations relating to them.
We’ll pay up to $500 after excess to cover loss or damage as a result of an insured event to spare parts and tools, as long as they are not on or in a vehicle.5
Up to $1,000 of cover for loss or damage to your guests’ contents due to an insured event at your premises.5
We’ll pay $5,000 to your estate for funeral expenses if you or a household member dies as a result of an insured event.
Loss or damage to your contents caused by riot or civil commotion is covered as standard.
Need mental health services? We cover up to $1,500 per household member for counselling sessions after an accepted claim.5
