Events we can cover

We cover loss or damage to your home and/or contents caused by specific insured events under your policy. There are also some things we don't cover under your policy. We offer three levels of cover for your home and contents: Classic, Classic Extras and Classic Advantages.

This is a summary only. Limits, conditions, and exclusions apply. Please read the Product Disclosure Statement (PDS) for full details. 

The content on this page applies to policies started or renewed on or after 24 May 2025. 

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Damage by an animal

Earthquake and tsunami

Escape of liquid

Explosion

Fire (including Bushfire)

Flood

Impact

Legal liability

Lightning

Malicious acts and vandalism

Riot, civil commotion, or public disturbance

Storm

Storm surge

Theft or burglary

Actions or movements of the sea

Agreements you enter into

Aircraft and their shock waves

Animals

Asbestos

Biological, chemical, other pollutant or contaminant

Breaking the law

Building works

Buildings, property, structures or land not at the insured address

Bushfires, storms, storm surges, floods, tsunamis in the first 72 hours of a new policy

Business activity

Caravans or trailers

Chemical damage when cleaning

Committee members or officials

Communicable disease

Confiscation or damage by legal authority

Death or injury

Defamation or copyright

Defects, faults, or workmanship

Deliberate damage to a reservoir or dam

Deliberate or reckless actions

Drones

Extra costs or other losses following an incident covered by your policy

Fines, penalties and other damages

Ground movement

Hacking, cyber-attack, or cyber incident

Hazardous materials

Home, unit or contents that are not in good condition

Legal actions in other countries

Mechanical or electrical breakdown or failure

Medical equipment and aids

Motor vehicles or motorcycles

Mould or mildew

Not complying with building laws or regulations

Nuclear and radioactive materials and contamination

Photographs, electronic data and images

Power surge

Property owned by you or property in your physical or legal custody

Renting entire home or unit

Replacement of water

Revolution / War

Roots of trees, shrubs and plants

Rust or corrosion

Sale of your contents or personal valuables

Sanctions

Scooters, skateboards, e-bicycles, unicycles, hoverboards, one-wheels, or segways

Seepage of water

Silica and its derivatives

Squatters or trespassers

Structural improvements of units

Terrorism

Tree lopping

Watercraft

Wear, tear and deterioration

Your employees