Sure Home & Contents
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Description
- Liberty Mutual Insurance Company, Australia Branch
- Pacific International Insurance Pty Ltd
- The New India Assurance Co. Ltd
- Chubb Insurance Australia Limited
Cover summary
- Up to $20 million
- Cover for anyone living at the insured address
- Cover for incidents in Australia
Cost
Covered events
- Covers loss and damage due to burglary, theft and attempted theft
- Covers burglary and theft by tenants and their guests ($2000 additional excess)
- Up to $1000 for theft of your money and your financial liability, after loss or theft of credit or ATM card anywhere in Australia
- Up to $1000 for cost to re-barrel or change locks and key codes, after loss or theft of an external door key, or a key that records your address or any other identifying information and anywhere in Australia (no excess)
- Up to $500 for accessories, parts and keys for vehicles, caravans, watercraft or trailers (must be inside home), after theft resulting from violent and forcible entry into home
- No cover for theft by you or permanent or temporary residents
- No cover for theft by people who, without violence or forced entry, enter home with your express or implied consent
- Covers fire and bushfire
- Covers costs incurred extinguishing fire, and preventing or minimising damage and removing fire retardant
- No cover for scorching or heat with no identified source of fire ignition or cigarette/cigar marks or scorching
- No cover for floor coverings damaged by open fire, combustion heaters, pot belly stoves or stoves
- 72 hour waiting period for bushfire
- Covers damage caused by flood and water runoff
- Up to $50000 or 10% building sum insured for fencing, gates and retaining or other walls (up to 1000m total)
- Up to 10% building sum insured for driveways, paths, paving and sealed roads (up to 500m total)
- No cover for damage caused by underground (hydrostatic) water pressure
- No cover for damage caused by deliberate or malicious damage to or destruction of reservoir or dam
- No cover for sporting surfaces or courts
- No cover for unsealed paths or driveways constructed from gravel or other loose material
- No cover for paths, driveways, gardens, paving, gates or fences that are not structurally sound or in good condition, and of which you were aware or should have been aware, and which caused or contributed to the loss and damage
- No cover for sea walls
- 72 hour waiting period
- Covers damage caused by storm, cyclone and water runoff
- Covers damage caused by landslide and subsidence but must occur within 72 hours and as a direct result of storm
- Up to $50000 or 10% building sum insured for fencing, gates and retaining or other walls (up to 1000m total)
- Up to 10% building sum insured for driveways, paths, paving and sealed roads (up to 500m total)
- No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
- No cover for damage caused by underground (hydrostatic) water pressure
- No cover for damage caused by rain, hail or wind entering home due to as a result of a defect, structural or design fault, wear and tear or a process of gradual deterioration of which you were aware or should have been aware
- No cover for sporting surfaces or courts
- No cover for unsealed paths or driveways constructed from gravel or other loose material
- No cover for paths, driveways, gardens, paving, gates or fences that are not structurally sound or in good condition, and of which you were aware or should have been aware, and which caused or contributed to the loss and damage
- No cover for sea walls
- 72 hour waiting period
- Covered
- Up to $50000 or 10% building sum insured for fencing, gates and retaining or other walls (up to 1000m total)
- Up to 10% building sum insured for driveways, paths, paving and sealed roads (up to 500m total)
- No cover for damage caused by underground (hydrostatic) water pressure
- No cover for sporting surfaces or courts
- No cover for unsealed paths or driveways constructed from gravel or other loose material
- No cover for paths, driveways, gardens, paving, gates or fences that are not structurally sound or in good condition, and of which you were aware or should have been aware, and which caused or contributed to the loss and damage
- No cover for sea walls
- 72 hour waiting period
- Covers damage caused by animals not kept at property
- Covers damage caused by animals that become accidentally trapped inside home biting, chewing, pecking, scratching, tearing or urinating/excreting
- Covers fire and escape of liquid caused by bedbugs, birds, cockroaches, fleas, insects, lice, mice, rabbits, rats, termites or vermin
- No cover for damage caused by pets at property with resident consent or pets owned/kept/cared for by resident
- Optional
- Choose cover for building, contents, or both
- Covers accidental loss and damage to home and contents
- Covers damage caused by power surge
- No cover for cracking, chipping or breakage of handheld glass, glassware or items made of china while being used
- No cover for freestanding, retaining or sea walls; e-bikes; e-scooters; motorbikes; trail bikes; mini-bikes; quad bikes; all-terrain vehicles; trikes or motorised go-karts, golf kats or scooters
- No cover for mechanical, electrical or electronic breakdown of items except for motor burnout or power surge
- No cover for minor dents, scratches or chips of walls; floors or furniture
- No cover for swimming pools or outdoor spas or related equipment, including covers and liners
- No cover for burning, melting or scorching caused by cigarettes; cigars; pipes; tobacco; ash; or any substances designed to be burned, heated or ignited
- No cover for damage if your home has been rented to another person; while your home is being renovated; or after the first 90 days of the home being unoccupied, unless insurer agrees
Claims
- Repair damaged property
- Replace damaged property
- Pay you the property's replacement value, up to your sum insured or other sublimits
Building
- Up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with professional fees
- Up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with building regulations
- Up to $1500 overall
- Paid on top of sum insured
- Up to 10% sum insured overall
- Paid on top of sum insured
- Up to 18 months or 10% sum insured
- Paid on top of sum insured
- Covers temporary accommodation similar to your home for people living at the address, assistance with rental bond (must be repaid to insurer), utility connection costs, removal costs and lease break fees
- Up to $500 per week, if you stay with family or friends instead
- Up to $2000 for commercial pet boarding
Contents
- Covers general contents for accidental loss/damage
- Choose overall limit from up to $10000 or 25% contents sum insured
- Choose limit from $1000–$1500 per item
- Covered away from home in Australia and New Zealand
- Contents excess applies
- Optional
- Cover for accidental loss/damage
- Covered away from home in Australia and New Zealand
- Contents excess applies
- Up to 18 months or 10% contents sum insured
- Covers moving/storing contents
- Up to $10000 overall
- Up to $5000 per set or piece
- Up to $50000 overall
- Up to $10000 per item or set
- Up to $750 overall
- Cover for insured events, unit failure, motor burnout and failure of public electricity supply
- Up to contents sum insured overall
- Cover for fire, collision and overturning of removal vehicle
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