Essentials

• Target Class

  • owner occupiers
    
  • renters
  • landlords

• Product Documents

  Supplemental form Essentials - Home Building , Essentials - Home Contents , Essentials - Target Market Determination

  Policy wording Essentials

  Webpage Essentials

• Coverage

  • Contents

  • Property Damage

• Exclusions

  • actions of the sea
  • cover for glasses in a picture frame, clock and electrical equipment, mobile phones
  • damages caused by charring, melting or scorching without flames
  • damages caused by felling or lopping tress at the site

  • damages caused by water entering the home through an opening made for the purpose any alterations, additions, renovations or repair
  • flood and storm damages to free standing walls, fences or gates unless constructed of brick, concrete, masonry, stone or steel
  • flood and storm damages to retaining walls, jetties and pontoons

Complete and up to date listings are our highest priority. We have a dedicated research team working full time on keeping our listings accurate and up to date but sometimes changes happen that we haven’t spotted yet. See something out of date? Please let us know here.