Home Insurance

If we determine your home is unfit to live in as a result of loss or damage, we'll cover the cost of temporary accommodation until your home has been repaired, for a maximum of 12 months. Costs of accommodation are for an equivalent to your home’s rentable value before the loss and capped at 10% of the sum insured.

We'll cover you for loss or damage as a result of burglary, theft or attempted theft. Limitations apply for the first 48 hours of your policy.

We'll reimburse you for up to $500 if food or medicine is spoiled inside your fridge or freezer as a result of accidental breakdown, unplanned power outage or motor burnout.

We'll cover you for loss or damage as a result of lightning.

We'll cover you for loss or damage as a result of storm or rainwater runoff. Limitations apply to cover for storm and rainwater runoff for the first 48 hours of your policy.

We’ll cover you for loss or damage caused by incidents of malicious or intentional damage and vandalism.

We'll cover you for loss or damage caused by incidents such as a fallen tree or vehicle impact.

We cover repair or replacement of fixed glass such as windows, and glass in furniture, pictures, paintings, mirrors and aquariums if they're accidentally broken. We also cover repair or replacement of fixed sinks, basins, baths and toilets if they're accidentally broken.

If your home and contents are damaged as a result of an insured event, we’ll provide additional cover if the cost of replacing, repairing or rebuilding your home exceeds your sum insured.

If your insured home is rented out to tenants, and it becomes unfit to live in due to an insured event, we'll cover your loss of rent until it can be lived in again, up to a maximum of 12 months.

We'll cover your contents from the date you begin to move out of your old address and to your new address for up to a maximum of 14 days. We’ll also cover your contents if they're damaged by fire or vehicle accident while you're moving them to the new address.

We'll cover you for up to $20 million for all legal liability claims arising from an incident in the home (owned by you) that causes death or bodily injury, or loss or damage to other people's property. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement). Various exclusions apply.

We'll reimburse you for up to $500 if food or medicine is spoiled inside your fridge or freezer as a result of accidental breakdown, unplanned power outage or motor burnout.

We'll cover you for loss or damage as a result of a flood. Limitations apply to cover for storm for the first 48 hours and flood for the first 72 hours of your policy.

We’ll cover you for up to $1,000 for replacement of locks or changing of house key codes if your keys are lost or stolen.

We’ll cover you for the theft of money using your ATM card or the misuse of credit cards if they're stolen anywhere in Australia, provided it's reported to your financial institution within 24 hours and not otherwise covered by your financial institution. Capped at $1,000.

We'll cover you for loss or damage as a result of lightning.

Limitations apply to cover for storm and rainwater runoff for the first 48 hours of your policy.

We’ll cover you for loss or damage caused by incidents of malicious or intentional damage and vandalism.

We'll cover you for loss or damage caused by incidents such as a fallen tree or vehicle impact.

We cover repair or replacement of glass in furniture, pictures, paintings, mirrors and aquariums, if they're accidentally broken or damaged. 

If your contents are damaged as a result of an insured event, we’ll provide additional cover if the cost of replacing or repairing your contents exceeds your sum insured.

We'll cover you for up to $20 million for all legal liability claims arising from an incident in the home (owned by you) that causes death or bodily injury, or loss or damage to other people's property. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement). Various exclusions apply.