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Key data

Policy

Underwriter
FMG
Independent complaints organisation
Insurance & Savings Ombudsman
Sum insured or full replacement?
Full replacement available in rural areas and some provincial cities; sum insured available elsewhere

Excesses

Standard excess - house
$400
Standard excess - contents
$300

Main cover - house

Personal liability - house policy
Up to $1 million
Temporary accommodation
No (covered under contents insurance)
Recreational features
Yes
Retaining walls
Yes; up to $20,000

Additional cover - house

Blocked water or sewage pipes
No
Hidden gradual damage caused by internal water pipe, waste pipe or cylinder
Up to $5000 per event caused by leaking
Keys and locks
Reasonable costs (no excess)
Landscaping
Up to $5000 per event
Post-event inflation protection
Up to 10%
Reduced excess for glass or sanitary fixtures
Optional excess-free cover

Main cover - contents

Personal liability - contents policy
Up to $1 million; up to $5000 for hazardous substances emergency
Temporary accommodation for homeowners following loss
Up to $30,000 per event; includes pets and up to $500 per event for vet fees
Temporary accommodation for tenants following loss
Up to $30,000 per event; includes pets and up to $500 per event for vet fees
Removal, return and storage of contents following loss
Included in "Temporary accommodation" benefit

Specific items

Bicycles
Replacement value up to $5000
Books
Present value unless otherwise specified
Cameras and accessories
Replacement value up to $5000 unless otherwise specified
Carpets and floor coverings - unfixed
Replacement value
Clothing and footwear
Present value
Collections (eg stamps)
Up to $5000 per coin, card or stamp collection unless otherwise specified
Computers and computer software
Replacement value for home computers under 3 years old up to $5000 unless otherwise specified; no cover for loss of electronic data including software
Credit card cover
Up to $1000 per event if card used fraudulently (by a person not known to you)
Jewellery and watches
Replacement value up to $5000 per item unless otherwise specified
Mobile phones
Replacement value if under 3 years old up to $5000 unless otherwise specified
Money
Up to $1000 per event
Motor vehicle parts and accessories
No
Sporting equipment
Replacement value up to $5000 unless otherwise specified
Works of art
Replacement value up to $5000 unless otherwise specified

Additional cover - contents

Hidden gradual damage caused by water pipe, waste pipe or cylinder
Up to $5000 per event caused by leaking
Home office and professional equipment
Up to $2000 per event if business contents at home; up to $1500 per event outside home
Keys and locks
Reasonable costs (no excess)
Moving contents to a new address
Lesser of reasonable costs of repair or present day value cover for defined events events while moving to new address

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