Home Only
Defined Events or Full Accidental Damage Cover
Sum Insured Safety Net should Costs Escalate (up to 30%)
Cover for Plants, Trees, Shrubs
Removal of Debris
Automatic Flood Cover
Mortgagee Discharge Costs
Modifications to the Home
Tax Audit
Your Home Only 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 | |||
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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 |
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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 |
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Buildings Undergoing Renovations, Construction or Alteration | |||
Tax Audit | Blue Zebra, Hollard QBE | ||
Professional Fees – Preparation of claim | QBE Blue Zebra, Hollard |
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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 |
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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 | |||
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 |