Home Only

Covering your building only

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
Listed Events
Accidental Damage
Blue Zebra, Hollard
Blue Zebra, Hollard, QBE
Blue Zebra, Hollard, QBE
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
Fire / Explosion
Earthquake / Tsunami
Burglary or Housebreaking
Vandalism / Malicious Damage
Deliberate / Intentional Acts


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


Blue Zebra

Hollard, QBE

Blue Zebra


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


Blue Zebra, QBE


Blue Zebra, QBE
Buildings Undergoing Renovations, Construction or Alteration

Tax Audit

Blue Zebra, Hollard

Professional Fees – Preparation of claim


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


Blue Zebra, Hollard

Counselling Following Fire/Theft

Blue Zebra, Hollard

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

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Just a friendly reminder before you start….


Before you enter into an insurance contract, you have a duty to tell the insurer anything that you know, or could reasonably be expected to know, that may affect the insurer's decision to insure you and on what terms. You have this duty until the insurer agrees to insure you. You have the same duty before you renew, extend, vary, or reinstate an insurance contract.

For Personal, Domestic and Household insurance contracts, you have an additional duty to take reasonable care not to make a misrepresentation to the insurer. To ensure you meet your duty, your responses to the insurer's questions must be truthful, accurate and complete.


If you do not tell the insurer anything you are required to, they may cancel your contract, or reduce the amount they will pay you if you make a claim, or both. If your failure to tell the insurer is fraudulent, they may refuse to pay a claim and treat the contract as if it never existed.

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Please read our Financial Services Guide to help you make an informed decision about whether to use the financial services we offer.

Please read the relevant Product Disclosure Statement for full details before deciding about the right cover for you.

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