Home Insurance

# Actions or movements of the sea and loss or damage caused by storm surge (unless the storm surge damage occurs at the same time as damage caused by a storm) are not covered. We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions apply.
^ We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.

We’ll cover you for loss or damage to and /or soiling of your contents as a result of physical assaults or death.

We’ll make a payment to your estate if you die within 12 months as a direct result of an event we cover occurring that also resulted in a claim for damage to your home being accepted.

We’ll cover your reasonable temporary accommodation costs if your home becomes inaccessible from an incident such as burst water main (see PDS for full list of incidents).

We’ll cover the cost to demolish and remove damaged parts of your home and remove debris from your insured address after an insured event.

We’ll cover loss or damage to your home that occurs without intent e.g. losing, breaking or damaging something.

This provides a buffer if the cost of repairing or replacing your home is more than the amount you insured it for. For example, with a 25% Safety Net, if your sum insured is $400,000, we’ll cover you for up to a further $100,000 for a total of $500,000. An extra premium applies if you choose to add this option to your Classic cover, but if you choose Classic Extras or Classic Advantages cover, Safety Net is included automatically.

We’ll cover your reasonable temporary accommodation costs if your home becomes inaccessible from an incident such as burst water main (see PDS for full list of incidents).

If you have home cover we’ll cover your reasonable and necessary exploratory costs to locate the source of liquid escaping at the insured address and to repair and restore the damage to your home caused by exploratory work if the escape of liquid first happens during the period of insurance.

Limits, terms and exclusions apply  - see the PDS for further details.

We’ll cover your costs to locate the source of liquid escaping at the home and to repair and restore the damage to your home caused by exploratory work.

See the PDS for further details.

We’ll cover the fees charged by your security provider to respond to your monitored alarm if activated by a break in or attempted break in. Limits, exclusions and conditions apply.

We’ll cover the costs to replace or recode your home’s external door or window locks if your keys are stolen anywhere in Australia or New Zealand.

If we pay a claim for your home to a credit provider that fully repays your home loan we’ll pay the administrative and legal costs of discharging the mortgage or deleting the mortgagee from your home’s land title.

We’ll contribute to the costs associated with purchasing and installing environmental improvements such as rainwater tanks, solar systems or compost equipment. Limits, exclusions and conditions apply.

We’ll cover the cost to replace trees, shrubs, plants, hedges and garden beds if they have been damaged as a result of an event we cover that also caused damage to your home at the same time for which we have accepted a claim.

Emergency repairs and make safe

When the home or parts of the home have been damaged in an insured incident, we’ll cover the reasonable and necessary costs of any temporary work required to make the damaged or destroyed home and insured address safe from further immediate loss or damage. 

Other repair/rebuilding costs

If loss or damage to the home is covered under your policy, we’ll cover the reasonable and necessary costs for any of the following:

• the services of professionals, such as architects or surveyors, to repair or rebuild at the insured address
• to make the damaged building components covered under your policy comply with current home building regulations and laws. We only pay these costs if those building components complied with home building regulations and laws when they were built or when construction, repairs, renovations, or alterations were undertaken on those components
• demolishing and removing any damaged parts of the home covered under your policy, but that aren’t part of the scope of works, from the insured address
• removing debris, including fallen trees or branches, if the following both apply:
  • the debris has damaged the home and that damage is covered under you policy
  • removal of the debris is required in order to repair the home.

If loss or damage to your contents is covered under your policy, we’ll cover the reasonable and necessary costs to dispose of those damaged contents.

Limits, exclusions and conditions apply - see the PDS for further details.

We’ll cover the cost to demolish and remove damaged parts of your home after an insured event.

If an event that we cover damages your home and we have accepted a claim and your green energy generation equipment is also damaged at the same time we’ll cover the increase in your electricity costs that you incur due to the damage to the green energy generation equipment.

We’ll cover the cost of storing undamaged contents after an insured event.

If your home is damaged and can’t be lived in due to an incident covered by your policy, we’ll cover the reasonable and necessary temporary accommodation costs for both you and your pets while your home is being repaired or rebuilt.

Further cover may be available during delays outside of your control when we have appointed a builder to rebuild or repair. Any payment for temporary accommodation is on top of your sum insured, so won't take away from how much you'll have available to rebuild or repair your home. Please read the PDS for full details.

You can cover your personal items that you would normally carry with you away from your home, such as jewellery, mobile phones and laptops. Check the PDS for the full list of items and how you can cover them.

Safety net home protection provides an additional percentage of your home sum insured. This means that if the cost to repair or rebuild your home covered by your policy exceeds the home sum insured, we’ll pay up to a further percentage of the home sum insured depending on the level of cover you have selected.

For example, with a 25% Safety Net, if your sum insured is $400,000, we’ll pay up to a further $100,000 towards repair or rebuild of your home. An extra premium applies if you choose to add this option to your Classic cover, but if you choose Classic Extras or Classic Advantages cover, Safety Net is included automatically.

Limits, terms and exclusions apply. Please read the PDS.

Including stamp collections, collector's pins, medals and currency no longer in circulation.

We’ll cover your reasonable temporary accommodation costs if your home or unit becomes inaccessible from an incident such as a burst water main (see PDS for full list of incidents).

We’ll extend your contents cover to cover your contents stored in a secure commercial storage facility for loss or damage caused by an event we cover. Limits, exclusions and conditions apply.

We’ll cover your contents for loss or damage by an event we cover if they are temporarily removed to another residence in Australia in which you are temporarily residing (such as a hotel), or in a bank deposit box and an event occurs at this new location.

We’ll cover your loss if your credit cards or other financial transaction cards are stolen from the home and used fraudulently. Conditions apply.

We’ll cover loss or damage to contents owned by invited visitors caused by an event we cover. Limits, exclusions and conditions apply.

We’ll cover spoilage of refrigerated food, frozen food and refrigerated medicines. Limits, exclusions and conditions apply.

We’ll cover you for loss or damage to and /or soiling of your contents as a result of physical assaults or death.

If you have contents cover and you’re permanently moving to a new address in Australia, we’ll cover your contents while they are being moved, for loss or damage during the period of insurance caused by:

• fire
• flood
• collision, overturning, accident, or theft of the vehicle carrying them.

We’ll cover you for reasonable increases in your normal living expenses to maintain your normal standard of living following an event that we cover if, as a result of the event, your insured address cannot be lived in.

We’ll cover contents attached to common areas if your contents are insured in a unit.

If we accept a claim under your contents cover, we’ll cover your costs to replace documents, such as passports and licences, if they are also lost or damaged as a result of the event that occurred.

We’ll make a payment to your estate if you die within 12 months as a direct result of an event we cover occurring that also resulted in a claim for damage to your contents being accepted.

We’ll pay reasonable and necessary costs to modify your home or assist you to relocate to a new residence if you are injured as a direct result of an event that we cover where we have accepted a claim to your home for that event.

If loss or damage to your contents is covered under your policy, we’ll cover the reasonable and necessary costs to dispose of those damaged contents.

We’ll cover reasonable and necessary temporary accommodation costs if your home at the insured address can’t be lived in while it’s being repaired or rebuilt as a result of it being damaged by an insured event. Limits, exclusions and conditions apply.

When you have contents cover and you can’t live at the insured address while it’s being repaired or rebuilt as a result of it being damaged by an insured event then:

• if you own and live in a unit, we’ll pay your reasonable temporary accommodation costs for you and your pets that you normally keep at the insured address
• if you’re a tenant who needs to move out temporarily, we’ll pay any reasonable extra rent costs for temporary accommodation for you and your pets that you normally keep at the insured address.

Limits, terms and exclusions apply. Please read the PDS.

If your pet dog or cat is injured in an incident, we’ll pay for necessary veterinary treatment (up to $2000 per accident). Extra premium and injury to pet dogs and cats excess will apply.

Covers the burning out or fusing of electric motors that are part of your home and equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges (if you have contents cover). An extra premium applies if you choose to add this to your Classic cover while if you have Classic Extras or Classic Advantages it is automatically included in your cover.

We’ll cover accidental loss or damage to your home or contents that occurs suddenly and without intent e.g. breaking or damaging a component of the home or accidentally dropping a ring down the drain and you’re unable to retrieve it.

Automatically included with Classic Extras and Classic Advantages and applies to the home if you have home cover and contents if you have contents cover.

Limits, terms and exclusions apply. Please read the PDS.

Cover your:

• contents for accidental loss or damage anywhere in Australia or New Zealand when they are temporarily removed from the insured address (up to 180 consecutive days); or
• jewellery and watches when they are outside Australia and New Zealand for up to 100 consecutive days (but only when worn by you or secured in a safe).

We don’t offer this feature online – call us on 13 11 55 to find out more. Extra premium applies.

Cover for personal valuables you would normally carry with you away from your home, such as jewellery, mobile phones and laptops. Check the PDS for the full list of items and how you can cover them.

We’ll cover your legal liability to pay compensation for death or bodily injury to other people, or loss or damage to their property resulting from an incident in certain situations which happens during the period of insurance. Read the PDS for more details.

We’ll cover loss or damage to your property or contents that occurs without intent e.g. losing, breaking or damaging something. Conditions apply.

Covers the burning out or fusing of electric motors that are part of your household equipment or appliance which are part of your contents and where the motor is equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges. An extra premium applies if you choose to add this option to your cover. This optional cover has its own excess, and the standard excess does not apply.

If the cost to repair or replace your property is more than the sum insured you nominated by having this option on your policy we will pay an additional percentage of your property sum insured to repair or replace your property or pay you what it would have cost us to do this.

We will cover loss or damage that occurs without intent (i.e. losing, breaking or damaging something)

Net cost is the amount you spend after deducting any government subsidy to which you are entitled to at the date of the loss, whether you claim this subsidy or not. You must supply us with proof of the amount you spent before we will pay you.

When you have home cover, this covers things like fixed glass in windows, doors, skylights, shower-bath combos, toilets, basins, baths and the glass that forms part of a fixed cooking or heating appliance.

This doesn’t cover loss or damage caused by the broken items.

When you have home cover, this covers things like fixed glass in windows, doors, skylights, shower-bath combos, toilets, basins, baths and the glass that forms part of a fixed cooking or heating appliance.

This doesn’t cover loss or damage caused by the broken items.