Updated 5 May 2017

Tower Insurance

House Insurance Standard Cover and Contents Insurance Standard Cover

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Key data

Policy

Underwriter
Tower Insurance
Independent complaints organisation
Insurance & Savings Ombudsman
Sum insured or full replacement?
Full replacement for fire (but not fire following natural disasters)

Excesses

Standard excess - house
$500
Standard excess - contents
$500

Main cover - house

Personal liability - house policy
Up to $20 million
Temporary accommodation
Up to $15,000; includes pets
Recreational features
Optional extra (must specify sum insured)
Retaining walls
Yes (essential retaining walls); Up to $15,000 (garden retaining walls)

Additional cover - house

Blocked water or sewage pipes
No
Hidden gradual damage caused by internal water pipe, waste pipe or cylinder
Up to $1000 per event
Keys and locks
Up to $500 (no excess)
Landscaping
Up to $1000
Post-event inflation protection
No
Reduced excess for glass or sanitary fixtures
No

Main cover - contents

Personal liability - contents policy
Up to $20 million
Temporary accommodation for homeowners following loss
Up to $15,000; includes pets
Temporary accommodation for tenants following loss
Difference between old and new rent for up to 2 months; includes pets
Removal, return and storage of contents following loss
Up to $5000

Specific items

Bicycles
Replacement value up to $1000
Books
Replacement value
Cameras and accessories
Replacement value up to $1000 unless otherwise specified
Carpets and floor coverings - unfixed
Replacement value up to $1000
Clothing and footwear
Replacement value up to $1000
Collections (eg stamps)
Up to $1500 for all collections unless otherwise specified
Computers and computer software
Replacement value for computers and software up to $1000
Credit card cover
No
Jewellery and watches
Replacement value up to $1000 per item unless otherwise specified; $5000 total per event
Mobile phones
Replacement value up to $500
Money
Up to $250
Motor vehicle parts and accessories
No
Sporting equipment
Replacement value up to $1000 - (watercraft limited to $500)
Works of art
Replacement value up to $1000 unless otherwise specified

Additional cover - contents

Hidden gradual damage caused by water pipe, waste pipe or cylinder
Up to $1000 per event
Home office and professional equipment
No (not covered at home or outside home)
Keys and locks
Up to $500 (no excess)
Moving contents to a new address
Defined events while moving to a new address

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