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Home - covers your home building(s) and fixtures at the insured address.

Contents - covers your household goods and personal items.

Home and Contents - covers your building(s), fixtures, household goods and personal items.

For the full definitions of home and contents please refer to the PDS.

Home - a typical home stand alone home that does not share a wall with a building next door.

Flat/ Apartment- one of a number of apartments or flats, situated in the same building.

Duplex - (semi Detached) a building that contains two units or townhouses on the same block of land that share at least one common wall.

Townhouse - a building designed as part of a block of houses on the same block of land.

Unit - a block of units which has individual titles for each unit.

Concrete (no space between ground and floor) - The home sits on a concrete slab which is the foundation of the home.

There is no space at all between the concrete slab and the ground.

We also include "Queenslander" homes that sometimes are on a concrete slab where the ground floor is built in and used as living or storage space e.g. bedrooms, kitchen, bathrooms, rumpus room as these would be classified as a home on a concrete slab.

Stumps/ foundations - The home is supported by stumps or piers and there is 'crawl' space between the floor of the home and the ground.

These homes are not usually set on a concrete slab or poles.

Poles - The home is built on poles (either timber, concrete or steel) are elevated off the ground and are generally built on steep slopes.

The home that is elevated high off the ground and the ground floor is open, not built in or enclosed or used as a living space or storage area (except for garaging a motor vehicle/ caravan/ boat).

We also include "Queenslander" homes where the ground floor is open, not built in or enclosed or used as a living space or storage area (except for garaging a motor vehicle/ caravan/ boat).

Flat - less than 1m rise in every 10m.

Gentle - Small hill - up to a 1m rise in every 7.5m.

Moderate - Medium Hill - up to a 1m rise in every 5m.

Severe - Steep Hill or Cliff - Up to 1m rise every 1.5m.

Maintaining your home in good repair and condition to ensure it is watertight, structurally sound, secure, and well-maintained including but not limited to ensuring:

• there are/is no external holes, loose or missing roofing, mould, termite or white ant damage or rotted, rusted or broken areas of any fence, roof, ceiling, floor or wall;

• no gutters, drains, water pipes or tiled areas that leak are blocked or need repair;

• all previous damage has been repaired;

• locks and alarms are maintained in good working condition;

• you take all reasonable care to prevent theft, loss and damage to the property insured under your policy;

• your home complies with all applicable local government and/or statutory requirements when construction, alteration or repairs are undertaken including the driveway