Compare Home Insurance

Covers weekly rent equivalent up to the property’s rentable value before the damage. The most we’ll pay for any one claim in total is up to 10% of either your buildings or general contents sum insured (as applicable). If you have buildings and contents cover and you make a claim for loss or damage to both due to same insured event, we’ll pay up to 10% of the buildings sum insured in total. This is an extra amount, paid in addition to your sum insured.

We’ll pay up to $2,000 to replace the locks or cylinders of your external doors or windows when the keys have been stolen by attempted theft or burglary.

We’ll pay up to 20% of your general contents sum insured for contents that are intended to be kept outside at your insured address such as your BBQ, outdoor furniture and children’s play equipment when they are destroyed or damaged by an insured event.

We’ll pay up to $5,000 for your guests’, visitors’ and domestic helpers’ property if it’s lost or damaged in your home building by the same insured event that you are claiming under.

We’ll pay up to $500 towards any fees or charges incurred for a security firm to attend your insured address in response to a monitored alarm signal if we’ve agreed to pay a claim for theft or burglary of your contents.

We’ll pay up to $10,000 to modify your buildings if you become permanently paraplegic or quadriplegic as a direct result of an insured event that damaged or destroyed your buildings. This amount is paid in addition to your sum insured.

After any government or council rebates in addition to sum insured.

We’ll pay up to $1,000 to replace your perishable food or medicine kept in your domestic fridge or freezer when they have been spoiled by a breakdown or a failure of the unit (if the motor is less than 10 years old), escape of refrigerant or fumes or accidental failure of public electricity supply (not including accidental disconnection or switching off of the electricity supply by you).

Accidental Damage covers you against damage caused by sudden, unforeseen and unintended events, not just the specified insured events. If you take out this option, you’ll be covered for mishaps like accidentally spilling red wine on your lounge.

This optional benefit provides cover for items that are intended to leave your address with you or on you (e.g. handbags, wallets, sunglasses and jewellery) for accidental loss and damage.

It covers you for loss or damage to your Portable Contents caused by theft or accident anywhere in the world. Cover outside Australia is limited to 90 continuous days in any period of insurance.

You can either choose cover for unlisted portable contents valued at less than $1,000, up to $5,000 per claim, or list your portable contents separately for their full value if they are $1,000 or more. 

Contents worth $1,000 or more must be itemised as listed portable contents to be covered for their full replacement value (less any contributable excess).