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Key data

Policy

Underwriter
Youi
Independent complaints organisation
Insurance & Savings Ombudsman
Sum insured or full replacement?
Sum insured only

Excesses

Standard excess - house
$420
Standard excess - contents
$420

Main cover - house

Personal liability - house policy
Up to $20 million
Temporary accommodation
Up to 12% of sum insured plus $2500 for pets
Recreational features
Yes ("permanently attached fixtures"); swimming pools/spas not covered for accidental damage
Retaining walls
Yes, except where design and construction did not meet engineering criteria

Additional cover - house

Blocked water or sewage pipes
No
Hidden gradual damage caused by internal water pipe, waste pipe or cylinder
Up to $7500 if caused by escaping water
Keys and locks
Up to $500 (after excess)
Landscaping
No
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
For a unit title or company share, up to 12% of sum insured and $2500 for pets
Temporary accommodation for tenants following loss
Up to 30 days, but only in cases of emergency evacuation; doesn't include pets
Removal, return and storage of contents following loss
No

Specific items

Bicycles
Replacement value up to $15,000 per item; covered away from home if accidental loss or damage cover is selected
Books
Replacement value
Cameras and accessories
Replacement value up to $15,000 per item; covered away from home if accidental loss or damage cover is selected
Carpets and floor coverings - unfixed
Replacement value
Clothing and footwear
Replacement value up to $15,000 per item; covered away from home if accidental loss or damage cover is selected
Collections (eg stamps)
Up to $15,000 per collection; covered away from home if accidental loss or damage cover is selected
Computers and computer software
Replacement value up to $15,000 per item; covered away from home if accidental loss or damage cover is selected
Credit card cover
No
Jewellery and watches
Must specify replacement value for either individual items or lump-sum; covered away from home if accidental loss or damage cover is selected
Mobile phones
Replacement value up to $15,000 (excludes software and applications); covered away from home if accidental loss or damage cover is selected
Money
No
Motor vehicle parts and accessories
No
Sporting equipment
Replacement value up to $15,000 per item; covered away from home if accidental loss or damage cover is selected
Works of art
Replacement value up to $15,000 per item; covered away from home if accidental loss or damage cover is selected

Additional cover - contents

Hidden gradual damage caused by water pipe, waste pipe or cylinder
Up to $7500 if caused by escaping water
Home office and professional equipment
Up to $1000 per item ($5000 total) for "business items" (optional extra)
Keys and locks
Up to $500 (after excess)
Moving contents to a new address
Up to 20% of sum insured for defined events while moving to a new address; cover at new address, for up to 14 days from the day you start your move

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