Policy
Underwriter
Tower Insurance
Independent complaints organisation
Insurance & Savings Ombudsman
Sum insured or full replacement?
Optional extra - 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 $1 million
Temporary accommodation
Optional extra; up to $25,000; includes pets
Recreational features
Optional extra (must specify sum insured)
Retaining walls
Yes (essential retaining walls); optional extra (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 $2500 per event
Keys and locks
Up to $1000 (no excess)
Landscaping
No
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
Temporary accommodation for homeowners following loss
Up to $25,000; includes pets
Temporary accommodation for tenants following loss
Up to $25,000; includes pets
Removal, return and storage of contents following loss
Reasonable costs
Specific items
Bicycles
Replacement value up to $1000
Books
Present value
Cameras and accessories
Replacement value up to $2000 per item; $10,000 total per event unless otherwise specified
Carpets and floor coverings - unfixed
Replacement value up to $5000
Clothing and footwear
Present value up to $5000
Collections (eg stamps)
Up to $2000 per collection
Computers and computer software
Replacement value for computers and software under 3 years old up to $5000
Credit card cover
No
Jewellery and watches
Replacement value up to $2000 per item unless otherwise specified; $10,000 total per event
Mobile phones
Replacement value up to $5000
Money
Up to $1000
Motor vehicle parts and accessories
No
Sporting equipment
Replacement value up to $1000 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 $2500 per event
Home office and professional equipment
Up to $5000 for business tools used at home or outside home (optional extra)
Keys and locks
Up to $1000 (no excess)
Moving contents to a new address
Defined events while moving to a new address
