Home and Contents
Covering your building and personal belongings
Excess Options – $600 to $10,000
Identity Theft Protection
Motor Burn Out Protection
Removal of Debris
Defined Events or Full Accidental Damage Cover
Automatic Cover for Valuables (Limits Apply)
Cover for Contents Away from the Premises
Cover for Contents left in the Open Air
Cover for Plants, Trees, Shrubs
Cover for Portable Items Away from the Premises (Optional)
Your Home and Contents Insurance Product Comparison at a Glance
This product comparison table is intended to provide a snap shot of the policy coverage available through Insurance4Earth. It provides a description of risks that are covered, those that are not covered, including additional benefits and optional covers. It does not provide a complete statement of the cover offered, any exclusions under the policy, or conditions and/or all limits that may apply under each type of Cover. You should carefully read the Product Disclosure Statement (PDS) and all policy documentation for full details.
| Policy Coverage | |||
|---|---|---|---|
| Insurers | |||
| Accidental destruction, loss or damage |  | |  Accidental Damage covers any loss or damage that is not specifically excluded under the policy along with any Additional Benefits noted below |
| Listed Events | Basic covers those events listed in the policy along with any Additional Benefits noted below | Listed Events covers those events listed in the policy along with any Additional Benefits noted below | |
| Listed Events | |||
| Smoke | | | |
| Fire / Explosion | | | |
| Flood | | | |
| Lightning/Thunderbolt | | | |
| Earthquake / Tsunami | | | |
| Burglary or Housebreaking | | | |
| Theft | | | |
| Vandalism / Malicious Damage | | | |
| Deliberate / Intentional Acts | Hollard Blue Zebra | | |
| Escape of Liquid | | | |
| Electric Motor Burnout | | | |
| Broken Glass & Similar | | | |
| Riots / Civil Commotion / Industrial or Political Disturbances | | | |
| Impact by Aircraft / Spacecraft | | | |
| Impact by Falling Tree | | | |
| Impact by Falling TV / Antenna / Power Pole | | | |
| Impact by Animal / Bird | | | |
| Impact by Vehicles / Watercraft | | | |
| Storm / Rainwater / Hail / Wind | | | |
| Storm Surge | Hollard Blue Zebra | Hollard, QBE Blue Zebra | QBE Blue Zebra, Hollard |
| Landslide or Subsidence | | | |
| Power Surge | | | |
| Animal Damage – Not Normally Kept at Situation | | | |
| Additional Benefits | |||
| Alternative Accommodation - Home | | | |
| Pet - Alternative Accommodation & Additional Living Expenses - Building | | | |
| Mortgagee Discharge Costs following a Total Loss | | | |
| Locating the Source of Escaped Liquid | | | |
| Demolition & Removal of Building Debris | | | |
| Architect / Surveyor / Engineer - Rebuilding fees | | | |
| Modifications to the Home Following an Injury | | | |
| Additional Costs of Meeting Statutory Authority Requirements – Rebuilding/Repairing Buildings | | | |
| Replacement of Plants, Trees and Shrubs | | | |
| Building Materials | | | |
| Building Sum Insured Safeguard/Safety Net | | Hollard Blue Zebra, QBE | Hollard Blue Zebra, QBE |
| Buildings Undergoing Renovations, Construction or Alteration | | | |
| Food and Medication Spoilage | | | |
| Replacing Important Documents | | | |
| Alternative Accommodation & Additional Living Expenses – Tenants/Strata Title Owners | | | |
| Removal & Storage of Contents – Situation Unliveable | | | |
| Contents of Invited Guests | | Blue Zebra, Hollard QBE | |
| Credit Card Fraud | | | |
| Money / Negotiable Instruments of Invited Guests | | Blue Zebra, Hollard QBE | |
| Contents in Commercial Storage - (excludes jewellery, money or negotiable instruments) | | | |
| Contents in Transit to a New Address or Commercial Storage | | | |
| Removal of Contents Debris | | | |
| Security Attendance Fees | | | |
| Minimum 3 Star Energy Rating Replacement – Fridge / Washing Machine / Dryer / Dishwasher | | Blue Zebra Hollard, QBE | |
| Identity Theft | | Blue Zebra, Hollard QBE | |
| Temporary Contents Cover - Total Loss | | Blue Zebra, Hollard QBE | |
| Tax Audit | | Blue Zebra, Hollard QBE | |
| Professional Fees – Preparation of claim | | | QBE Blue Zebra, Hollard |
| Fire Brigade or Similar Attendance Fees | | | |
| Denial of Access | | | |
| Prevention of Further Loss or Damage to Your Building or Contents | | | |
| Pet Cover – Road Accident / Lightning / Earthquake / Burglary | | | |
| Compenation for Death, Paraplegia, Quadriplegia or Permanent Disablement | | Blue Zebra, Hollard QBE | Blue Zebra, Hollard QBE |
| Counselling Following Fire/Theft | | Blue Zebra, Hollard QBE | |
| Removal of Trees - Following Storm Damage | | | |
| Un-Occupancy Period | | | |
| Keys and Locks Replacement | | | |
| Electrical or Mechanical Breakdown | | | |
| Loss or Damage Caused by Defects or Faulty Design/Workmanship – Storm / Storm Surge / Flood / Rainwater / Hail / Wind | | | |
| Contents in the Open Air at Insured Address – Flood, Storm, Storm Surge, Rainwater, Wind, Hail & Theft | | | |
| Contents Away from the Insured Address – Temporary Removal | | | |
| Personal Items Away from the Insured Address – Aggravated Theft | | | |
| Contents at Your New Address | | | |
| Limits of Cover - Content | |||
| Pedal Cycles | Limit $5,000 | QBE - No sublimit Blue Zebra, Hollard - Limit $5,000 | QBE - No sublimit Blue Zebra, Hollard - Limit $10,000 |
| Tools of Trade at Situation – Office Equipment | Limit $5,000 | Hollard, QBE - Limit $5,000 Blue Zebra - Limit $10,000 | Limit $10,000 |
| Tools of Trade at Situation – Office Equipment | No sublimit | No sublimit | No sublimit |
| Money and Negotiable Instruments | Limit $1,200 | Limit $1,200 | Limit $2,000 |
| Paintings, Prints & Tapestries, Persian Rugs, Antiques & Works of Art | Hollard - Limit of $5,000 and $1,000 any one item, pair or collection Blue Zebra - No sublimit | Hollard - Limit of 25% in total of Contents SI and $10,000 any one item, pair or collection Blue Zebra, QBE - No sublimit | No sublimit |
| Unattached Accessories and Spare Parts | Limit $1,500 per item, $2,500 total | Limit $1,500 per item, $2,500 total | Limit $2,000 per item, $4,000 total |
| Data and Data Restoration | Limit $1,000 | Blue Zebra, Hollard - Limit $1,000 QBE - No sublimit | Limit $2,000 |
| Sporting Equipment (Not in Use) | No sublimit | No sublimit | No sublimit |
| Portable Electronic Equipment | No sublimit | No sublimit | No sublimit |
| Valuables - Jewellery & Watches | Sublimits apply - refer to your PDS for details | Sublimits apply - refer to your PDS for details | Sublimits apply - refer to your PDS for details |
| Valuables - Items Covered in Gold & Silver | Sublimits apply - refer to your PDS for details | Sublimits apply - refer to your PDS for details | Sublimits apply - refer to your PDS for details |
| Valuables - Collections of Stamps / Money / Medals | Sublimits apply - refer to your PDS for details | Sublimits apply - refer to your PDS for details | Sublimits apply - refer to your PDS for details |
| Optional Covers – Content | |||
| Specified Valuable Items | |||
| Specified Portable Items | Automatically covered |
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| Unspecified Portable Items | Automatically covered |
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| No Excess for Optional Cover Claims | Hollard Blue Zebra - $200 | Hollard Blue Zebra - $200 QBE - Content Basic Excess | Hollard Blue Zebra - $200 QBE - Content Basic Excess |
| Legal Liability Cover | |||
| Legal Liability Cover | | | |
| World Wide Legal Liability Cover | | | |
| Defence Costs | | | |
| Expenses Incurred in Attending Court | | | |
| Motor Vehicle Liability | | | |
| Legal Liability for Committee Members of Sporting Clubs | | | |
| Buildings Undergoing Renovations, Construction or Alteration | | | |
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