Home & Contents Insurance

Home and contents insurance for owner occupied homes with options for specific insured events cover or comprehensive accidental loss or damage cover. Easy access to quote and bind via Calibrate, our Sunrise online delivery system.

  • Flood cover automatically included if the risk is accepted subject to waiting period
  • Four types of cover, Extra Care & Extra Care Plus for specific insured events and Elite Care & Elite Care Plus for accidental loss or damage
  • Automatic CPI indexing of the sum insured in the event of a total loss claim
  • Temporary accommodation costs when the home can’t be lived in following an insured event covered by the policy
  • Automatic continuation of liability cover after total loss buildings or contents claim
  • Discounts for policy holders over 50 years of age
  • Discharge of mortgage costs in the event of a buildings total loss claim
  • Up to $5,000 for visitors’ possessions
  • Up to $500 veterinary expenses for a pet injured as a result of a road accident
  • Variable excess structure; $300 standard variable to $500 or $1,000

  • Owner occupied homes below the Tropic of Capricorn less than 80 years of age for brick homes and 50 years of age for timber homes
  • New home and contents risks up to $2m combined sum insured
  • Contents up to $300k sum insured

SPECIFIC COVER Extra Care
(Insured Events)
Extra Care Plus
(Insured Events)
Elite Care
(Accidental Loss or Damage)
Elite Care Plus
(Accidental Loss or Damage)
New for old Yes Yes Yes Yes
Flood cover subject to waiting period Yes Yes Yes Yes
Legal Liability $20 milion $20 milion $20 milion $20 milion
Computers and home office equipment $15,000 $25,000 $15,000 $25,000
Aggravated theft $1,000 $1,000 No No
Damage caused by power surge in domestic appliances Yes Yes Yes Yes
Change of site 30 days 45 days 30 days 45 days
Pictures and works of art $5,000 any one item $25,000 any one item, unless specified $10,000 any one item $25,000 any one item, unless specified
Jewellery, furs, gold and silver objects $2,500 per item or in total 25% of Contents sum insured $5,000 per item or in total 25% of Contents sum insured $2,500 per item or in total 25% of Contents sum insured $10,000 per item or in total 25% of Contents sum insured
Breakage of fixed glass Yes Yes Yes Yes
Theft and misuse of credit cards $5,000 $5,000 $5,000 $5,000
Theft or damage to trees, plants or shrubs excl. storm or rainwater $500 per item; up to $3,000 in total $1,000 per item; up to $5,000 in total $500 per item; up to $5,000 in total $1,000 per item; up to $10,000 in total
Tools and equipment $5,000 $5,000 $5,000 $5,000
Spoilage of perishable food $750 Limited to cause of fridge breakdown $1,000 Limited to cause of fridge breakdown
Temporary accommodation Yes Yes Yes Yes
Temporary removal of contents 20% of sum insured 25% of sum insured 20% of sum insured 25% of sum insured
Loss or damage to contents in the open air $2,000 any one item and in total no more than 20% of contents sum insured $5,000 any one item and in total no more than 20% of contents sum insured $2,000 any one item and in total no more than 20% of contents sum insured $10,000 any one item and in total no more than 20% of contents sum insured
Visitors’ possessions $5,000 $5,000 $5,000 $5,000
Building modifications to your home following serious injury $15,000 $25,000 $15,000 $25,000

* Cover is subject to the full terms, conditions, exclusions and limits contained in the Policy Wording and Product Disclosure Statement.

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Direct Debit Form

If your client would like to pay the premium by direct debit please complete the DDR form and return to us.

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