If you are renovating your home or unit, we don’t cover loss or damage caused by, connected with, or arising from, or legal liability for or caused by, connected with, or arising from building works to the home or unit or parts of the home or unit (other than the cover available under ‘Legal liability’), including any of the following:

• damage caused by cracking, collapse, or subsidence, caused fully or partially by the building works
• damage caused by storm, flood, or water entering the home or unit through any openings (whether such openings were created by you or another person) in the walls or roof or other unfinished parts of the home or unit under construction, and whether or not they were temporarily covered at the time of the damage
• theft or damage by someone who enters or leaves through an unlockable part of the home or unit that’s under construction

We also don’t cover legal liability for or caused by, connected with, or arising from building works, including construction and demolition of building structures, being carried out at the insured address where the total cost of the building works is more than $50,000.

Our Home and Contents Insurance policies do not cover new buildings during construction.

There are some building works you must tell us about. Please refer to the ‘When you must contact us’ section of the PDS for more details.