Any accidental loss or damage unless specifically excluded (Flood cover is optional, subject to eligibility)
Other features and benefits included as standard:
Vital Home Insurance
Classic Home Insurance
Prestige Home Insurance
Legal liability cover
Up to $10,000,000
Up to $20,000,000
Up to $20,000,000
Fusion (burnout of electric motors)
Motors up to 10 years old
Motors up to 12 years old
Credit cards - cover for fraudulent use or lost or stolen cards
Up to $2,500
Up to $5,000
Up to $5,000
Guests', visitors' and domestic helpers' property
Up to $5,000
Up to $5,000
Up to $5,000
Spoilage of refrigerated / freezer food
Up to $500
Up to contents sum insured
However, if the event causing the spoilage of perishable food is declared a natural disaster by the government or the Insurance Council of Australia, the maximum amount payable under this benefit is $500.
Compensation for fracture
Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance
Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance
Temporary removal of contents from your risk address
Up to 20% of contents sum insured with sub-limits for listed contents:(a)while kept inside where you are temporarily residing; or(b)anywhere else in Australia or NZ but excluding theft.
Up to 20% of contents sum insured with sub-limits for listed contents:(a)while kept inside where you are temporarily residing; or(b)anywhere else in Australia or NZ but excluding theft.
- Up to 20% of contents sum insured with sub-limits for listed contents, while kept inside where temporarily residing; or
- Up to $7,500 for contents anywhere else in Australia or NZ.
Landscaping
Up to $2,000
Up to $5,000
Tax audit
Up to $5,000
Up to $5,000
Legal defence costs
Up to $5,000
Transit to your new place of residence
Veterinary costs -up to $500
Replacement of locks and cylinders
Up to $1,000
Up to $1,000
Up to $2,000
Security firm attendance - up to $500
Contents in the open air at the risk address(Sub-limits apply for selected contents based on events causing loss/damage – see PDS for details)
Emergency storage of contents
Automatic indexation of sums insured
Compensation for death – $10,000
Contents in a safe deposit box (excludes cover for theft)
Up to $250 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents. Sub-limits apply for selected contents
Up to $500 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents
Sub-limits apply for selected contents
Up to $1,000 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents
Sub-limits apply for selected contents
Environmental benefits when rebuilding after a total loss – up to $5,000
Mortgage discharge costs - up to $5,000
Up to $5,000
Up to $5,000
Up to $5,000
Modifications to buildings for paraplegia or quadriplegia – up to $10,000
Title deeds
Optional extras (an additional premium applies).
additional premium
Combined Home and Contents
Unspecified Personal Effects cover – Accidental loss or damage cover for portable contents items: - anywhere in Australia; and - for up to 35 days overseas
Available only in conjunction with contents cover.
Covers any of the following contents items up to the ‘per item’ and ‘per claim’ limits you select:
travellers’ suitcases and bags, handbags, briefcases, wallets and purses (but not the contents of these items);
clothing;
jewellery, watches or items containing silver or gold;
cosmetics and toiletries;
clocks;
sporting equipment (but not watercraft, camping equipment or motor or trail bikes);
musical instruments;
photographic or video equipment;
binoculars or telescopes;
writing instruments;
spectacles and sunglasses;
personal audio and video equipment and up to four cassettes or discs (DVD, CD or Mini Discs) used with the equipment;and
pocket calculators and personal organisers (but not portable or handheld computers)
Some exclusions:
No cover is provided for any item used for business, trade or professional purposes.
We will not pay for damage to glass (other than lenses) or other brittle or fragile substances (other than jewellery) unless caused by fire or theft.
Specified Personal Effects cover – Accidental loss or damage cover for portable contents items:
- anywhere in Australia; and
- for up to 35 days overseas
Available only in conjunction with contents cover.
Can cover:
portable contents items included under Unspecified Personal Effects if their replacement value exceeds the maximum limits offered under Unspecified Personal Effects;
portable contents items which are not included in the list of items coverable under Unspecified Personal Effects (e.g. mobile phones, laptops, tablets, high value jewellery items).
We will not pay for damage to glass (other than lenses) or other brittle or fragile substances (other than jewellery) unless caused by fire or theft.
Domestic Workers’ Compensation cover
Only available in the ACT, WA and TAS.
Covers the amount you are liable to pay if you employ a domestic worker such as a gardener or cleaner, and they are injured while working for you.
If you are looking to purchase contents cover only, the following table may assist you in deciding which home insurance product best suits your needs.
If you are looking to purchase buildings cover only, please refer to the buildings cover comparison. If you are looking to purchase both buildings and contents covers, please refer to the buildings and contents cover comparison.
Vital
Classic
Prestige
Any accidental loss or damage unless specifically excluded (Flood cover is optional, subject to eligibility)
Other features and benefits included as standard:
Vital Home Insurance
Classic Home Insurance
Prestige Home Insurance
Legal liability cover
Up to $10,000,000
Up to $20,000,000
Up to $20,000,000
Fusion (burnout of electric motors)
Motors up to 10 years old
Motors up to 12 years old
Credit cards - cover for fraudulent use or lost or stolen cards
Up to $2,500
Up to $5,000
Up to $5,000
Guests', visitors' and domestic helpers' property
Up to $5,000
Up to $5,000
Up to $5,000
Spoilage of refrigerated / freezer food
Up to $500
Up to contents sum insured
However, if the event causing the spoilage of perishable food is declared a natural disaster by the government or the Insurance Council of Australia, the maximum amount payable under this benefit is $500.
Compensation for fracture
Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance
Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance
Temporary removal of contents from your risk address
Up to 20% of contents sum insured with sub-limits for listed contents:(a)while kept inside where you are temporarily residing; or(b)anywhere else in Australia or NZ but excluding theft.
Up to 20% of contents sum insured with sub-limits for listed contents:(a)while kept inside where you are temporarily residing; or(b)anywhere else in Australia or NZ but excluding theft.
- Up to 20% of contents sum insured with sub-limits for listed contents, while kept inside where temporarily residing; or
- Up to $7,500 for contents anywhere else in Australia or NZ.
Landscaping
Up to $2,000
Up to $5,000
Tax audit
Up to $5,000
Up to $5,000
Legal defence costs
Up to $5,000
Transit to your new place of residence
Veterinary costs -up to $500
Replacement of locks and cylinders
Up to $1,000
Up to $1,000
Up to $2,000
Security firm attendance - up to $500
Emergency storage of contents
Automatic indexation of sums insured
Compensation for death – $10,000
Contents in a safe deposit box (excludes cover for theft)
Up to $250 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents. Sub-limits apply for selected contents
Up to $500 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents
Sub-limits apply for selected contents
Up to $1,000 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents
Sub-limits apply for selected contents
Environmental benefits when rebuilding after a total loss – up to $5,000
Mortgage discharge costs - up to $5,000
Up to $5,000
Up to $5,000
Up to $5,000
Modifications to buildings for paraplegia or quadriplegia – up to $10,000
Title deeds
Optional extras (an additional premium applies).
additional premium
Combined Home and Contents
Unspecified Personal Effects cover – Accidental loss or damage cover for portable contents items: - anywhere in Australia; and - for up to 35 days overseas
Available only in conjunction with contents cover.
Covers any of the following contents items up to the ‘per item’ and ‘per claim’ limits you select:
Some exclusions:
Specified Personal Effects cover – Accidental loss or damage cover for portable contents items:
- anywhere in Australia; and
- for up to 35 days overseas
Available only in conjunction with contents cover.
Can cover:
We will not pay for damage to glass (other than lenses) or other brittle or fragile substances (other than jewellery) unless caused by fire or theft.
Domestic Workers’ Compensation cover
Only available in the ACT, WA and TAS.
Covers the amount you are liable to pay if you employ a domestic worker such as a gardener or cleaner, and they are injured while working for you.
This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance Product Disclosure Statements (PDS). Review the Key Facts Sheets for home buildings and/or contents cover.
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