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Home & Contents Insurance

 
 
 
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Quote Details

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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.

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Having trouble finding your address?
Please call us on 1300 392 535   
 
 
 
 
 
 
 
 
 
 
 
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This is the address of the property you want to insure.

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Property Details

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Owner occupied - you own the home or have a mortgage on the property and you permanently live in the home.

Landlord - you own the home or have a mortgage on the property and rent it out to tenants.

Renting - you rent the property from someone else.

Holiday Home - you own the home or have a mortgage on the property but you do not live in it permanently and is used for holidays.

Professional Storage - applies to contents only, your contents are stored by a professional storage company that has 24/7 monitored security.

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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.

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If you do not know the exact Year built, please use your best estimate.

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If your home is built from more than one type of material you should choose the option that the majority of the home is built from.

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If your roof is built from more than one type of material you should choose the option that the majority of the roof is built from.

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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).

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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.

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This is the number of storeys for the entire building.

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Include rooms used as a study or home office.

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Include en-suites, additional toilets & powder rooms.

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Monitored alarm - monitored 24/7 by a security provider when an intruder has been detected.

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The policy does not cover fences, sheds, stables or other structures you use for agricultural or other business purposes.

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You must take all reasonable steps to ensure the home is kept and maintained in good condition.

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You must tell us of any business that you operate from home, including renting out your home or part of your home.

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Cyclone Protection

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Cyclone Shutter - is a permanently fixed shutter/guard, which has been specially developed and tested to protect a home from the impact of cyclones.


Plywood coverings - are sheets of plywood installed to cover the windows prior to a storm or cyclone occurring.

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The National Construction Code was modified in 2012, requiring new buildings constructed in cyclone-prone areas of northern Australia to use wind-resistant garage doors. The recent change to the Code and Australian Standards applies to new buildings in all coastal areas north of Bundaberg in Queensland. For roller doors installed prior to 2012, they can be strengthened by commercially available after market bracing kits.

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Complete roof replacement - means the replacement of the external cladding (e.g. tiles, iron, steel, and appropriate flashings) plus the upgrade of batten to rafter attachments, and upgrading tie-downs from rafter or truss to the top plate of the wall framing.


Ridge capping - is the tiles or sheeting that cover the joint, where two faces of a roof meet.


Roof sarking - is a layer of protection placed underneath roof tiles or sheeting to help prevent wind driven rain and dust from entering the home.

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Cyclone rated includes features such as; Fully bolted shed frames that use Z purlins and girts with cleats (not top hats); Purlins and girts with overlaps of 10% of the bay width (minimum requirement); Roof cladding, fasteners and support members all passing Low-High-Low Testing (a standard cycle test method introduced by the BCA in 2009); Larger gutters with flashings to cope with increased winds and rainfall.

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Please advise us of any additional cyclone protection measures you have taken.

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Flood Protection

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Permanent barriers - Barriers permanently fixed in place.

Automatic barriers - Automatic sensors operate the barrier with rising floodwaters.

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Flood resistant external doors and windows - are specifically designed and installed to be flood resistant.

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Anti-backflow valves - One-way valves fitted to the toilets and sinks prevent flooding entering from the sewers.

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Bushfire Protection

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Bushfire Gutter Guards - for Bushfire Protection

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Bushfire Sprinkler System - for Bushfire Protection

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