Updated 5 May 2017


House Insurance Full Replacement and Contents Insurance

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Key data


Medical Insurance Society
Independent complaints organisation
Insurance & Savings Ombudsman
Sum insured or full replacement?
Full replacement


Standard excess - house
Standard excess - contents

Main cover - house

Personal liability - house policy
Up to $10 million
Temporary accommodation
Up to $50,000; includes pets
Recreational features
Retaining walls

Additional cover - house

Blocked water or sewage pipes
Hidden gradual damage caused by internal water pipe, waste pipe or cylinder
Up to $5000
Keys and locks
Yes (no excess)
Up to $5000
Post-event inflation protection
Reduced excess for glass or sanitary fixtures
Yes (excess-free cover for glass)

Main cover - contents

Personal liability - contents policy
Up to $10 million
Temporary accommodation for homeowners following loss
Up to $50,000; includes pets
Temporary accommodation for tenants following loss
Up to $50,000 or your tenancy agreement ends or you move to a new rental property
Removal, return and storage of contents following loss
Included in "Temporary accommodation" benefit

Specific items

Replacement value up to $5000
Replacement value
Cameras and accessories
Replacement value up to $5000
Carpets and floor coverings - unfixed
Replacement value
Clothing and footwear
Replacement value
Collections (eg stamps)
Up to $5000 per collection
Computers and computer software
Replacement value up to $5000
Credit card cover
Up to $2000 if card used fraudulently
Jewellery and watches
Replacement value up to $5000 per item; $25,000 total per event
Mobile phones
Replacement value up to $5000
Up to $1000
Motor vehicle parts and accessories
Replacement value provided parts aren't in or attached to your car
Sporting equipment
Replacement value up to $5000
Works of art
Replacement value up to $25,000

Additional cover - contents

Hidden gradual damage caused by water pipe, waste pipe or cylinder
Up to $5000
Home office and professional equipment
Up to $10,000 for business items and $25,000 for healthcare equipment at home; up to $2000 and $5000 respectively outside home
Keys and locks
Reasonable costs (no excess)
Moving contents to a new address
Defined events while moving to a new adress

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