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Residential Home Package

Optional cover

For an additional premium, the following optional covers are available.

Personal Valuables Cover
Most of us have items of a personal or portable nature that we carry or take with us when we are away from our home. To make sure these items are covered, should the unexpected occur and they are accidentally lost or damaged, you may choose to include Personal Valuables cover with your Residential Home policy for an extra premium or you can also take out Personal Valuables cover as a stand alone policy.

There are 2 types of cover:

  • Customised cover where you list each item you want covered and the amount you want to cover each item for, or
  • Packaged cover where you do not have to list each item, but where the most we will pay is $750 for any one item. The maximum you can claim in any one claim can be chosen from the following levels: $2,000, $3,000, $4,000, $5,000 and $7500.

 
Options Maximum cover per item Limit per annual period of insurance
1 $750 $2000
2 $750 $3000
3 $750 $4000
4 $750 $5000
5 $750 $7500
 
The maximum we will pay for any one item and the total payable in one year is limited to the cover option you have selected.

Domestic Workers Compensation
Workers such as child carers, house cleaners or casual gardeners could be deemed a domestic worker under the relevant worker compensation legislation and could require protection by you.

Domestic Workers Compensation offers coverage for domestic or similar workers employed at your property in the event they have an accident. It is available in NSW, ACT, TAS and WA for Residential Home Insurance policy holders, with contents cover and cannot be taken alone.

 


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