Residential Home Package
Under the CommInsure Residential Home Package, you can choose building, contents, or combined building and contents cover. Cover for Personal Valuables is also available, so no matter whether you rent or own your property, we have an insurance solution that’s right for you.
Insured events
- Animal damage
- Earthquake
- Escape of liquid
- Fire and explosion
- Flash flooding
- Lightning
- Riots and public disturbances
- Storm
- Sudden impact
- Vandalism and malicious damage
- Theft
- Accidental glass breakage
- Fusion and power surge
Customers can choose to remove the events listed below from their policy to reduce their premium.
- Theft
- Accidental glass breakage
- Fusion and power surge
Please refer to the CommInsure Home Insurance Product Disclosure Statement for more information on insured events for Residential Home Package.
There are 3 types of cover:
- Building cover
- Contents cover
- Personal Valuables cover
Each type of cover can be taken separately or in combination
Building cover – features and benefits
- Total Building Replacement Cover
- Legal liability cover
- Demolition and debris removal costs
- Alternative accommodation costs
- Emergency work and temporary repairs
- Replacement of locks or keys
- Mortgage discharge and new title deed costs
- Professional fees
- Buildings materials
- Construction materials
- Landscaping rectification costs
- Matching of material used to repair any building damage
Option available under building cover – at an extra cost
Contents cover
There are three categories of contents cover:
- General contents
- Contents with a maximum limit
- Special limit items that you can choose to insure for more than the limit
General contents: items which are not fixed within your home and that belong to you and your family could include, but is not limited to, furniture and household goods, appliances and electrical items, kitchen and table ware, clothing, bedding, linen, books, toys, sporting and recreation equipment, computer software and hardware, cameras and video equipment.
Contents with a maximum limit: some contents items have a limit on how much CommInsure will pay if a claim is made under contents cover. This could include, but is not limited to cash, gift vouchers or other negotiable instruments, carpets and curtains, contents in the open and business equipment.
Special limit items: contents items which have a limit on the amount CommInsure will pay, unless you choose to insure for a higher amount and pay an additional premium. These contents items need to be listed on your policy along with the amount you want to insure them for. Special limit items could include, but is not limited to jewellery, watches, CD’s, DVD’s, records, artwork pictures, portraits or sculptures.
Contents cover – features and benefits
- New for old replacement cover
- Legal liability cover
- Demolition and debris removal costs
- Alternative accommodation costs
- Emergency work and temporary repairs
- Replacement of locks or keys
- Contents in transit
- Temporary removal of contents
- Moving within Australia
- Visitors property
- Home office equipment and furniture
- Strata title extension
Options available under Contents cover – at an extra cost
Please refer to the CommInsure Home Insurance Product Disclosure Statement for more information on building and contents cover under the Residential Home Package.
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