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Covers weekly equivalent rent. Up to 10% of Building or Contents sum insured, up to a maximum of 12 months and up to $500 for your pets.

This is an extra benefit we pay in addition to your building sum insured. We don’t pay additional alternative accommodation costs under the contents section if we’ve paid it under the buildings section. No excess applies to this benefit. 

We’ll pay up to $1,000 to replace the locks or cylinders of your doors or windows when they have been damaged by burglary, stolen or if there is reasonable ground to believe they have been copied. No excess applies.

We’ll pay up to $2,000 for your contents that are intended to be kept outside at your risk 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 by an insured event in your building.

We’ll pay up to $500 towards any fees or charges incurred for a security firm to attend your risk 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 home buildings.

We’ll pay up to your contents sum insured 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).

We’ll pay up to $500 to replace your perishable food or medicine kept in your fridge or freezer if the spoilage is due to a natural disaster declared by us, the government or the Insurance Council of Australia but not if the spoilage was caused by flood (unless you have optional Flood cover)¹. No excess applies.

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 carpet or lounge. This optional cover automatically includes Motor Burnout.

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 120 continuous days in any period of insurance.

You can either choose the available limits of cover per item and with a combined total per claim for unlisted portable contents, or ask us to cover specific listed portable contents separately for their full value.

Items such as mobile phones, tablets, laptops and wearables must be itemised as listed portable contents.

It’s important to note that the above information is not exhaustive. For more details, refer to the Product Disclosure Statement.

Not available in all states and territories (only available in ACT, WA, TAS). Excludes workers who are working for you as part of your own business, trade or profession.