Home Contents

• Target Class

  • contents / belongings

• Product Documents

  Supplemental form Home Contents

  Policy wording Home Contents

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• Coverage

  • Contents

• Exclusions

  • damage caused by a wave that arises from any event other than a tsunami
  • damage caused by the seas and high tide
  • damage to a heat resistant item if the fire only caused damage to that item
  • damages caused by charring, melting or scorching without flames
  • flood damage to privacy screens, shade cloth, shade sails, PVC blinds or umbrellas and spa or swimming pool covers

  • loss or damage as a result of vandalism or malicious act by the insured, a tenant, somebody who resides in the home, someone else acting on the insured’s behalf
  • loss or damage if the theft was by the insured, family or tenants
  • theft from a motor vehicle left unattended (except when in a locked garage) unless the theft is a result of forced entry into the locked motor vehicle
  • water damage caused by storm or rain seeping unless the water entered through an opening in the wall / roof as a direct result of the storm

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