Understanding the meaning of “sum insured' will help ensure you have the right level of cover for your home and possessions.
COVERAGES, Cover ; Emergency Home Repair (applies to policies that have both buildings and contents covered only) Read more, Y ; Emergency Home Repair 24-Hour Helpline Read more, Y ; Loss of Rent or Cost of Alternative Accommodation Read more, Y ; Accidental Damage Read more, Optional ; Fire Brigade Charges Read more, Y ; Public Liability Read more, Y ; Access for Repairs Read more, Y ; Title Deeds Cover up to €750 Read more, Y
When applying for home insurance you’ll be asked to nominate a sum insured for your building and contents. These should be as accurate as possible because they’re the most that you will be paid in the event of a claim plus up to 25% Gap Cover. Gap Cover does not apply to Portable Contents Cover, Items with a maximum claim limit and Legal liability. Use the building insurance calculator and contents insurance calculator to help you estimate your sum insured. Your building sum insured should e...
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Up to 10% discount (if applicable)¹ ⁴ ; 24/7 claims assistance ; Combine your building and contents cover ; Pay by the month at no extra cost⁶
Most policies cover damage to your home by: fire · aircraft or things falling from them · lightning · subsidence, heave and landslip · explosion · falling trees or branches · earthquake · impact by vehicles or animals · theft · breakage or collapse of aerials · riot and malicious persons · escape of water from tanks or pipes · storm and flood; and · escape of oil from fixed heating installations.
Covered events ; Accidental damage : Cover for accidental damage to your building and/or insured items at the home. Fire : Cover for damage caused by fire and its by-products (smoke, soot, ash, etc). Waiting periods for bushfire may apply, unless you are switching from another policy with equivalent cover with no change in sum insured. Explosion : In some policies the actual exploding object is not covered. Theft : Cover for theft or burglary from your home. Most insurers require you to make a p...
Covered events ; Accidental damage : Cover for accidental damage to your building and/or insured items at the home. Fire : Cover for damage caused by fire and its by-products (smoke, soot, ash, etc). Waiting periods for bushfire may apply, unless you are switching from another policy with equivalent cover with no change in sum insured. Explosion : In some policies the actual exploding object is not covered. Theft : Cover for theft or burglary from your home. Most insurers require you to make a p...
What we pay If you have a sum insured shown on your certificate of insurance The most we will pay for loss or damage to the building for any one incident is the sum insured shown on your...
Research and production of building contents replacement cost information and enhanced web applications, in the residential, commercial and rural sectors.