Home and Contents Insurance
Our homes, belongings and even investments reflect who we are as people. And because of this, they’re as individual as we are. That’s why we offer a range of flexible Home and Contents Insurance policies to ensure you get the right cover for your individual needs.
Classic Home and Contents Insurance
You’ll find it much easier to enjoy your home and personal possessions when you know they’re automatically covered for a broad range of events. Your benefits include:
- Flood cover included automatically
- Regardless of the age of your home and contents your old is replaced with new
- If the costs to rebuild your damaged home is greater than your sum insured, you receive up to 25% extra protection with the Safety Net Home Protection.
Platinum Home and Contents Insurance
Most of us would prefer to be out enjoying life than listing individual items for your insurance cover. This is why our Platinum Home and Contents Insurance has higher limits for valuables, and offers protection for special items like jewellery, artwork and collectibles as well as your portable contents and valuables when you’re holidaying in Australia and New Zealand. Your benefits include:
- 30% extra cover if replacement costs exceed what your home is insured for under the Safety Net home protection
- Higher limits on your jewellery, paintings and silverware, so you don’t have to list as many high value items
- Automatic cover for accidental loss or damage, both in your home and also anywhere in Australia and New Zealand for up to 185 days
55UP Home and Contents Insurance
Planning a trip? You’ve earned it. With our 55UP Home and Contents Insurance, you’ve got the freedom to spend more time discovering Australia, safe in the knowledge that your home, contents and belongings in hotels and apartments are covered.
You’ll also receive a 6% discount if you have a current Senior’s Card. Benefit from:
- Cover for your home, even when it is unoccupied for up to 90 days
- Cover for your grandchildren’s contents up to $2,000 when they are visiting you at the time of loss, provided they are under 18 years of age
- Flood is covered automatically as a result of rain, storms, rising rivers, flash floods and flooding from faulty household items and pipes*
Investor Home and Contents Insurance
If you’re a landlord, you’ve already made a serious investment in property. But no matter how careful you are at selecting tenants, you can’t be expected to monitor what’s happening to your property on a daily basis. Investor Home and Contents Insurance protects your investment property against damage caused by tenants and loss of rental income along the way. It features:
- Protection for rental income if your tenants default on their rent or your home is damaged (limits and conditions apply to this cover. Please see the Product Disclosure Statement).
- Protection for theft and malicious damage by tenants
- Flood is covered automatically as a result of rain, storms, rising rivers, flash floods and flooding from faulty household items and pipes*
Top Strata Residential Insurance
No matter how experienced you are in the area, navigating strata ownership can be complex. But at least we’ve made protecting your property easier, with our Top Strata Residential Insurance. With this cover you’ll have the confidence of knowing your residential buildings under a strata, group, body corporate or community title are covered for the building and common contents (if you choose this cover).
You’re also covered for expenses ranging from paying exploration costs to find a leaky pipe source to accidental damage. Top Strata Insurance also provides:
- Temporary accommodation for up to 12 months if a unit in your building cannot be lived in due to damage
- Up to 12 months of unit owner’s rent if a tenanted unit in your building cannot be lived in due to damage
- Legal liability cover up to $10 million
Find out more about Top Strata Residential Insurance here
* Actions or movement of the sea, high tides and leaks from showers are not covered.