Home and Contents Insurance

Many Aussies have valuable items that often leave the house with them If you’re looking for cover for jewellery, sporting equipment, a smart phone or even a mobility scooter (plus a range of other items), consider whether our Optional cover, Specified portable valuables is right for you.

Some of the Specified portable valuables we can cover:

• Phones and tablets
• Jewellery and watches
• Bicycles (unless being used for racing or pace-making)
• Laptops
• Drones (when not in use)
• Cameras

Specified portable valuables are items that you can insure for up to a sum insured that you choose, for an extra premium and they will be covered anywhere in Australia or New Zealand for accidental loss or damage.

Sporting, recreational and leisure and equipment is only covered while not in use, but we will cover bicycles while in use, unless being used for racing or pace-making

Note: Jewellery and watches are also covered anywhere in the world but only for up to 30 consecutive days and only while being worn or in a secure safe.

For more detail on these and for what is and isn’t covered, please read the PDS for full details of the terms, limits, conditions, and exclusions.

If your home is damaged by an insured event covered by your policy and the cost of repairs or replacement exceeds your home sum insured, with safety net home protection option we will pay up to a further percentage of the home sum insured towards either:

• repair or rebuild of the home by our builder, when our builder is repairing or rebuilding
• the amount of our builder’s assessed quote to repair or rebuild the home, when your claim is being settled on this basis
• the amount of your builder’s assessed quote, when your claim is being settled on this basis.

See PDS for details.

This is an emergency assistance service that provides you with plumbing, electrical, locksmith or carpentry services in the event of a home emergency. It is not a general maintenance or preventative service (for example, it doesn’t cover painting, or replacing light bulbs or tap washers) or a disaster response service. This cover is only available 24 hours after adding the option to a new or existing policy. Terms and conditions apply to coverage. See PDS for details.

You can add Excess-Free Glass cover to cover accidental breakage of fixed glass in windows, doors, skylights, shower screens as well as mirrors fixed to your home and other fixed glass. We cover the cost to replace that glass without you having to pay an excess. See PDS for details.

This option provides up to $2,000 for necessary vet treatment if your pet dog or cat is injured in an accident. It doesn't include illness or pre-existing conditions but does cover things like tick bites and tick poisoning. See PDS for details.

This covers you if you lose, break or damage something accidentally at your home, for example by dropping, knocking over or spilling something without intent. This cover can be applied to home or contents covers. See PDS for full details.

Cover for reasonable cost to repair or replace the electric motors in household equipment and appliances that are equal to or less than 10 years old when they burnout or fuse. This includes things like the motor in your free-standing fridge, air conditioning unit, pool pump or automatic garage door. This cover is optional with Classic level of cover and automatically included with Classic Extras and Platinum. Please see PDS for details.

Save up to 15% on your policy when you combine your home insurance and your contents insurance into one policy with us. See PDS for details.

Fire is considered burning with flames and includes damage from heat, ash, soot and smoke that is the direct result of a fire within 100 metres of the insured address. Arcing, scorching and cigarette burns are not fire damage unless a fire spreads from the initial burn spot.

There is no cover for bushfire in the first 72 hours of your policy. Very limited exceptions apply. See PDS for details.

Flood means the covering of normally dry land by water that has escaped or been released from the normal confines of things like a lake, river, or other natural watercourse. It doesn't include high tides, waves and other movements of the sea, or storm surges, and we don't cover loss or damage to retaining walls, sea walls, garden borders and free-standing outdoor walls.

There is no cover for flood in the first 72 hours of your policy. Very limited exceptions apply. Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm). See PDS for details.

Storm means a storm, cyclone or severe atmospheric disturbance. It can be accompanied by strong winds, rain, lightning, hail, snow or dust. Damage caused by the sea is not considered "storm damage" on its own but is covered if it happens at the same time as damage by the storm.

No bushfire, storm or flood cover in the first 72 hours of your policy. Very limited exceptions apply. Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm). Limits and exclusions apply. See PDS for details.

Storm surge means a rush of water onshore associated with a low pressure system and caused by strong winds pushing on the ocean’s surface.

We cover loss or damage caused by storm surge that happens at the same time as the other insured damage caused by storm.

Storm surge does not include actions or movements of the sea. See PDS for details.

Theft or burglary occurs when someone enters the insured address without your consent and steals or intends to steal items. We don't cover loss or damage caused by anyone living or staying at the address or by anyone with consent to be at the property. See PDS for details.

If your home is damaged and can’t be lived in due to an incident covered by your policy, we’ll cover the reasonable and necessary temporary accommodation costs for both you and your pets while your home is being repaired or rebuilt. Our maximum payout for any one incident is 10% of the home sum insured with Classic and Classic Extras cover and 15% of the home sum insured with Platinum cover. Further cover may be available during delays outside of your control when we have appointed a builder to rebuild or repair. Any payment for temporary accommodation is on top of your sum insured, so won't take away from how much you'll have available to rebuild or repair your home. Please read the PDS for details.

If you have contents in a secure commercial storage facility, we'll cover them for a maximum of 365 consecutive days for loss or damage caused by an insured event under your policy as long as the facility is lockable, only accessible by you or someone authorised by you, and is fully enclosed by walls (including doors), floor and roof. See PDS for details.

If you're permanently moving to a new address in Australia, we'll cover your contents while they're being moved, for loss or damage caused by: fire; flood; collision, overturning, accident or theft of the vehicle carrying them. See PDS for details.

Provides cover for certain items normally carried with you, both at and away from home, like your mobile phone, jewellery, camera, tablet, laptop, and mobility devices.

For example, if you take out Classic cover and choose to add Unspecified portable valuables option you can get cover for up to $1,000 per item, pair, set or collection with a total sum insured between $1,000 and $10,000.

You can choose to add Unspecified portable valuables or insure items individually under Specified portable valuable option. Extra premium applies. Know that some items cannot be insured as Unspecified portable valuables, instead needs to be insured as a Specified portable valuable. See PDS for full details.

Some contents items have flexible limits which you can choose to increase by specifying them on your policy (extra premium applies). These include jewellery and watches, paintings, artwork, collections, and hand woven or hand knotted carpets or rugs. If you don’t then the most we’ll pay is the amount shown for the item in the PDS.

For example, if you have Classic contents cover, hand woven rugs are covered for up to $2000 each. This limit can be increased if you have a rug that you want more cover for by specifying it on your policy. See PDS for details.

Choose to specify these items individually for their full replacement value. Extra premium applies. See PDS for details.

Provides up to $20 million cover if you’re legally liable to pay compensation, including all associated legal costs, for death or injury to other people, or loss or damage to their property.

For example, with home cover, if someone's injured falling down your stairs, which you're held legally liable for, we cover damages (money paid to the victim as compensation) including all associated legal costs up to $20 million. See PDS for details.