Home Building & Contents Insurance
We are able to arrange competitive cover to protect your home building, home contents and personal valuables.
If you are renting you can obtain cover for home contents only.
We offer you a choice - ‘Prestige’ – a full accidental loss or damage policy or ‘Classic’ cover – a policy which covers you for ‘defined events’ only.
Both ‘Prestige and ‘Classic’ Home Building cover protect your fully enclosed building and any permanent fittings/fixtures.
| Protection for you and your dwelling |
- Current home building replacement value to
protect against accidental breakage of glass;
earthquake, explosion; fire or smoke, impact
damage; lightening or thunderbolt; malicious acts,
riot or civil commotion; storm, rainwater or run-off,
theft, burglary or housebreaking, water or other
liquid damage
- Legal liability up to $20 million
- Automatic annual adjustment of sum insured
- Mortgage discharge costs in the event of a total loss
- Professional rebuilding fees and removal of
debris following damage
- Temporary accommodation (up to 10% of sum
insured) after an insured event
- Accidental damage of fixed glass
- Compensation for death cover up to $10,000 following housebreaking or fire***
- Modification to building – following paraplegia
or quadriplegia***
- Compensation for bone fracture (in Australia)
up to $3000
- Environmental Benefit: For buildings totally destroyed by an insured event - payment up to a maximum of $5000 to install any combination of a rainwater tank, solar power system, hot water heat exchange system, grey water recycling system#
- Reinstatement of sum insured after loss
|
| Protection for Contents |
- Covers items not considered as fixtures under
Home Building policy
- ‘New for old’ replacement
- Loss or theft of credit cards up to $5000***
- Loss or damage to visitor’s property up to $5000***
- Cover continues to apply when contents are temporarily removed from risk address
- Home computer & office equipment up to
$10,000***
- Veterinary costs up to $500***
- Environmental Benefit: for lost/damaged refrigerators, freezers, washing machines, clothes dryers and dishwashers with less than 3 star energy rating, replacement items will be minimum of 3 star energy rating
|
| Flexible payment options |
| Pay monthly from an account (for no additional policy fee****) OR pay the total
premium by cash, cheque, credit card (or
BPAY®
on renewal) |
| Insurance Discounts & Savings |
| Save
on your Home Building & Contents, Home
Contents and Motor
Vehicle Insurance Premium with 'Widecover
Insurepac' |
| Flexible excess options |
| Nominate a higher claim excess and your annual premium will be reduced |
| Claims |
| Speedy claims service |
| |
‘Prestige’
Building |
‘Classic’
Building |
| Accidental damage to building |
full cover for all events apart from those specifically excluded in the policy |
cover for ‘defined events’ only as included in the policy |
| Replacement of external locks and cylinders |
up to $2000 |
up to $1000 |
| Landscaping after insured event |
up to $5000 |
up to $2000 |
| Fusion of fixed electric motors |
up to 12 years old |
up to 10 years old |
| Rental costs to landlord for ‘displaced’ tenants (If insuring a rental property you should consider Landlords insurance) |
up until building
reinstatement
or
up to 12 months. |
up until building reinstatement or up to 12 months. |
| Landlords contents (If insuring a rental property you should consider Landlords insurance) |
 |
up to $10,000 of sum insured |
| |
‘Prestige’
Contents |
‘Classic’
Contents |
| Accidental loss or damage to contents |
 |
|
| Theft of cash |
up to $1000 |
up to $500 |
| Fusion of electric motors in household items |
up to 12 years old |
up to 10 years old |
| Spoilage of refrigerator/freezer food |
no limit |
up to $500 |
| Contents in transit |
|
|
| Temporary removal of contents from your risk address |
covers contents temporarily
removed from the risk address to another location (within Australia
or New Zealand only) for a maximum period of up to 90 days - subject
to limits. |
| Personal Effects cover for accidental loss or damage to clothing, jewellery, watches, binoculars, spectacles, ‘leisure-use’ sporting equipment, photographic equipment, and luggage |
anywhere in Australia and for 35 days in any one period
of insurance elsewhere in the world - limits apply. This is an additional
cover that can be purchased. |
** This is a summary of features only – full details of cover, limits and exclusions are available in the relevant Product Disclosure Statement.
*** Applies to owner-occupied dwellings or landlord only.
# benefit only available where Allianz agrees to rebuilding costs & payable after deduction of any applicable government or council rebate scheme.
**** The total premium may vary due to rounding - if debiting from a non-Wide Bay Australia account - the other bank may charge fees.
This insurance is available from Wide Bay Australia Ltd ABN 40 087 652 060 (AFSL: 239686) ("Wide Bay Australia Widecover"). In offering this insurance we act as an agent of Allianz Australia Insurance Ltd ABN 15 000 122 850 (AFSL: 234708) ("Allianz") - not as your agent. Allianz is the underwriter of this insurance. To help you make an informed decision about whether to acquire an Allianz insurance product through Wide Bay Australia Widecover you should read our Wide Bay Australia Financial Services Guide (PDF, 84KB) and the Product Disclosure Statement. We do not provide advice about the policy based on any consideration of your personal objectives, financial situation or needs.
To decide if it is right for you please carefully read the “Prestige” (PDF, 232KB) or “Classic” (PDF, 227KB) Home Product Disclosure Statement.
BPAY® is a trade mark of BPAY Pty Ltd (ABN 69 079 137 518)
