From fire, storms and rainwater, cyclones, lightning, earthquakes or tsunami. Please note that flood coverage is an optional extra you can add to your policy.³

We'll pay up to $20 million to cover you for the death or physical injury to other people, or for loss or damage to other people’s property caused by an accident.

We’ll pay up to $7,000 towards the cost of funeral expenses related to your claim. 

You’ll be covered for up to 90 consecutive days for loss or damage for up to 20% of your contents sum insured caused by an insured event within Australia when you are staying away from the insured home.

We’ll pay up to $500 towards loss or damage to unattached equipment, spare parts or accessories from items such as caravans, motor vehicles, drones and more.

Such as malicious damage, breakage of glass, ceramic and sanitary fixtures. Also for the escape of liquid e.g pipes and drains, and for things like fallen trees or branches. 

We’ll pay up to 10% of your sum insured amount for temporary accommodation for up to 12 months if your home is unliveable due to an insured event.

We’ll pay up to $5,000 to support modifications to make your home more suitable for living with quadriplegia or permanent paraplegia.

We’ll pay up to 20% of your contents policy’s sum insured for loss or damage to contents while they’re being moved to a new address in Australia.

We’ll pay up to $500 to repair or replace uninsured items owned by guests visiting your property.

Our policy covers the repair or replacement of your home building and home contents up to your sum insured.

We’ll pay for removal of debris and extra rebuilding costs for the part of your home or the contents that were damaged, up to 10% of your sum insured – in addition to your sum insured.

If your home is completely destroyed as a result of an insured event, and we have agreed to settle your claim as a total loss, we’ll pay for legal and administrative costs of up to $750 to discharge your mortgage.

We’ll pay up to $1,000 of the cost to replace locks and keys if they’re stolen.

We will pay up to $500 for food spoilage if we have accepted a claim for loss or damage from an insured event at the insured address. You don’t have to pay an excess if you claim for spoiled food only.

(including access denial, cost of recovery, reinstallation, or replacement) 

Floods are a weather event that aren’t covered in our standard policy – but you can apply to add cover as an optional extra.³

Protection from accidents that cause damage to your home or contents.

Cover for personal items of higher value, that might be taken with you away from home e.g. a laptop or jewellery.

If the cost to replace, repair or rebuild your home exceeds the amount of your nominated sum insured, Sum Insured Safeguard means we’ll increase it by up to 25% (e.g. from $400,000 to $500,000) to help cover the necessary repairs. 

Motor Burnout Cover covers you for loss or damage to electric motors that are less than ten years old if the motor burns out due to an electric current or power surge.

With Commercial Storage Cover, you’ll be insured for loss or damage by an insured event to your belongings while they're stored in a commercial storage facility.