• Accidental Damage Insurance:

As the name suggests this type of cover insures against Accidental Damage to your home and contents as well as including higher limits on additional benefits (such as Jewelry, works of art, cash etc.).

Have you ever lost a mobile phone or camera whilst on holiday in Australia? Accidental Damage covers your contents away from your home.

• Defined Events Insurance:

Storms, Flood, Fire, and Theft are just a few events that are covered by Defined Events insurance cover. As well as having great additional benefits of its own, this affordable cover is a must have for home owners on a budget.

Determining Sums Insured

When determining adequate sums insured for your home and Contents insurance, please consider the following points:

• the full replacement cost of domestic building, shed, fences, services, paved path ways and paved driveways.
• in the event of a total loss you will need to consider clean up costs which should  be included in the building sum insured; and
• your contents sums insured need to include all household goods, carpets, curtains and blinds, personal effects, cash and coins.

Please always refer to your policy wording (PDS) for full details of cover definitions.