Home Insurance Products

Our range of SureCover home insurance policies provide cover for home buildings, contents and personal effects. The basis of settlement for all policies is "new for old" replacement. We offer two "insured events" policies and an "accidental damage" policy.

An easy way to get an idea of the amount of insurance you need is to use our Home Buildings Replacement Cost Calculator and Home Contents Replacement Cost Calculator. These simple and easy-to-use calculators work as guides only to help you estimate the full replacement value of your home building and contents.

Our SureCover range of policies

SureCover	Protection for your home and contents	Find out more
SureCover Plus	Cover with an additional range of benefits	Find out more
SureCover Gold	Cover for accidental loss or damage	Find out more

For full details of conditions and exclusions of our home insurance please refer to the SureCover, SureCover Plus and SureCover Gold PDS and Supplementary PDS (where applicable).

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NEW - Environmental benefits at no extra cost

Applicable only when you have contents cover

If the claim relates to loss or damage to refrigerators, freezers, washing machines, clothes dryers and dishwashers, we will replace these items with items that have equal or better energy efficiency, based on energy consumption, where available.

Note: This wording replaces the current terms in the Policy Document.

Applicable only when you have buildings cover

If your building has been totally destroyed by an insured event and we have agreed to rebuild your building, we will pay up to a maximum amount of $5,000 of the cost to you, after deduction of any rebate you are eligible for under any government or council rebate scheme, to install any combination of the following:

• rainwater tank;
• solar power systems, including solar hot water systems or photo-voltaic (PV) power systems;
• hot water heat exchange system; and
• grey water recycling system.