Insured Events

This Home Insurance contract provides top of the range benefits:

* Full replacement New for Old - on ALL contents

Fusion - of domestic motors (no depreciation for motors under 15 years old)

$20 million Legal Liability Worldwide - excluding only the United States of America and Canada

Jewellery, Furs, Gold and Silver Items, Photographic equipment, Stamp, Coin & Medal Collections - are covered up to $2000 any one item or 25% of the sum insured in total for contents. UNLESS SEPARATELY SPECIFIED.

Works of art, pictures, curios, oriental rugs - are covered up to $5000 each item or 25% of the total sum insured. UNLESS SEPARATELY SPECIFIED.

* for Fire & Burglary Cover - for those items in excess of these amounts there is NO EXTRA PREMIUM (provided they are specified, and valuations supplied)

* for Loss or Damage Cover - for those items in excess of these amounts, an EXTRA PREMIUM IS PAYABLE (provided they are specified, and valuations supplied)

* VALUABLES: (LOSS COVER AUSTRALIA-WIDE) - is available for UNSPECIFIED Personal Items (including Jewellery). Please call our office for details.

These are just some of the benefits. Look what else the policy covers:

No average clause.
Cover for property of goods in open air up to $1000 (Inside the boundary of the home)
Up to $750 for monetary loss as a result of someone fraudulently using your credit cards or bank cheques.
$500 towards the cost of replacing external locks, which have to be replaced because your keys have been stolen.
Up to $1000 cover for spoilage of frozen foods
Up to $500 for money or negotiable instruments lost or destroyed.
Up to $500 cover for property of guests or visitors.
Up to $5000 for tools of trade, used for monetary gain (FROM THE HOME)
Office equipment at home $20,000
Bicycles up to $1000 in total

Note: An Accidental Loss or Damage Cover Policy is also available. Which in addition to the above benefits would also include
*Loss cover Australia wide up to $5000 per item
*Cover for Accidents eg. Breakage, Spillage etc.

* Full replacement New for Old	- on ALL contents
Fusion	- of domestic motors (no depreciation for motors under 15 years old)
$20 million Legal Liability Worldwide	- excluding only the United States of America and Canada
Jewellery, Furs, Gold and Silver Items, Photographic equipment, Stamp, Coin & Medal Collections	- are covered up to $2000 any one item or 25% of the sum insured in total for contents. UNLESS SEPARATELY SPECIFIED.
Works of art, pictures, curios, oriental rugs	- are covered up to $5000 each item or 25% of the total sum insured. UNLESS SEPARATELY SPECIFIED.
* for Fire & Burglary Cover	- for those items in excess of these amounts there is NO EXTRA PREMIUM (provided they are specified, and valuations supplied)
* for Loss or Damage Cover	- for those items in excess of these amounts, an EXTRA PREMIUM IS PAYABLE (provided they are specified, and valuations supplied)
* VALUABLES: (LOSS COVER AUSTRALIA-WIDE)	- is available for UNSPECIFIED Personal Items (including Jewellery). Please call our office for details.