Following are general details of the types of Home & Contents cover that are available.

> Defined/Listed Events Policy <

This is the basic Home & Contents insurance policy which provides cover for certain events that cause loss or damage. Some of the typical events that are covered under this type of policy are:

• Fire or explosion
• Burglary & theft
• Malicious damage
• Accidental Breakage of Glass
• Impact by an aircraft, vehicle, tree or animal/bird
• Lightning or thunderbolt
• Storm, water or wind.
  (Most policies don't cover damage from flood)
• Earthquake

Other covers that can be provided under this type of policy are:

• Liability connected with being a home occupier &/or owner
• Valuables - covers items just as jewellery & watches, cameras and sporting equipment for accidental damage & loss within Australia
• Workers Compensation for domestic employees

> Accidental Damage Policy <

This policy provides greater cover than the Defined/Listed Benefits policy. Cover is provided for accidental loss or damage where the cover has not been excluded: Some excluded events are:

• Erosion
• Flood
• Malicious damage or vandalism by tenants
• Rust, corrosion, wear or tear
• Defects or faulty workmanship

Other covers that can be provided under this type of policy are:

• Liability connected with being a home owner and/or an occupier
• Valuables - covers items just as jewellery & watches, cameras and sporting equipment for accidental damage & loss within Australia
• Workers Compensation for domestic employees

> Landlords House Insurance <

If you own a house which is leased or tenanted to another person this policy is the better policy for you. In addition to providing the normal house cover (either defined events or accidental damage cover as mentioned above), it also can provide you with loss of rent, rent default and theft by the tenant.

The above information has been generalised. Full details of the cover provided under each type of cover and their exclusions, conditions, additional benefits and definitions are available in the insurance policy. A policy wording is available to on request.

If you would like further information in regards to this product, or a proposal form, please contact us here or phone 02 4954 3655.

This information provides general advice and therefore it has been prepared without taking into account any of your personal objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of this advice and obtain a Product Disclosure Statement