Top and Standard Home and Contents Insurance Cover (Australia)

LEGEND Standard and top cover Lightning Top cover only Tip Fire Adding an alarm to your house is another way to reduce your premium. A better alarm can sometimes be used as Storm Top cover costs more than standard. negotiation for a bigger discount call your Insurer to find out more. Most insurers Accidental damage offer a seniors discount or factor age into premium pricing, and some such as RACV (Prime cover) and GIO (55 and Up) have a specialised policy. Seniors policies are often very similar to the standard policy offering, with some minor tweaks (for example, some offer additional cover for grandchildren's belongings). Accessing a special seniors policy can net you some extra features, but check the fine print and don't restrict your options shop around utilising the entire market. Underinsurance protection Additional coverage for spills and other mishaps. Underinsurance is a common problem, and top policies protect against it. Additional costs like more expensive materials and removing debris can add up. We score policies based on the benefits they provide to protect against underinsurance. Glass breakage Higher sub-limits Uniform replacement Landslide Fusion Most insurers will not guarantee to use the same materials. Terms and Only the most basic policies exclude it. conditions vary. Tsunami Terms and conditions vary. Explosion Impact Flood Earthquake May not be covered in standard level policies. VANDALIDM Terms and conditions vary. Flood We consider flood essential in top cover policies. Vandalism Damage by anímals Excluding pets, biting, pecking, clawing or Fences and retaining walls Theft Usually excluded if the thief has entered with owner's consent. Terms and conditions may vary. They are often restricted or not covered at all. chewing. %24 LEGEND Standard and top cover Lightning Top cover only Tip Fire Adding an alarm to your house is another way to reduce your premium. A better alarm can sometimes be used as Storm Top cover costs more than standard. negotiation for a bigger discount call your Insurer to find out more. Most insurers Accidental damage offer a seniors discount or factor age into premium pricing, and some such as RACV (Prime cover) and GIO (55 and Up) have a specialised policy. Seniors policies are often very similar to the standard policy offering, with some minor tweaks (for example, some offer additional cover for grandchildren's belongings). Accessing a special seniors policy can net you some extra features, but check the fine print and don't restrict your options shop around utilising the entire market. Underinsurance protection Additional coverage for spills and other mishaps. Underinsurance is a common problem, and top policies protect against it. Additional costs like more expensive materials and removing debris can add up. We score policies based on the benefits they provide to protect against underinsurance. Glass breakage Higher sub-limits Uniform replacement Landslide Fusion Most insurers will not guarantee to use the same materials. Terms and Only the most basic policies exclude it. conditions vary. Tsunami Terms and conditions vary. Explosion Impact Flood Earthquake May not be covered in standard level policies. VANDALIDM Terms and conditions vary. Flood We consider flood essential in top cover policies. Vandalism Damage by anímals Excluding pets, biting, pecking, clawing or Fences and retaining walls Theft Usually excluded if the thief has entered with owner's consent. Terms and conditions may vary. They are often restricted or not covered at all. chewing. %24 LEGEND Standard and top cover Lightning Top cover only Tip Fire Adding an alarm to your house is another way to reduce your premium. A better alarm can sometimes be used as Storm Top cover costs more than standard. negotiation for a bigger discount call your Insurer to find out more. Most insurers Accidental damage offer a seniors discount or factor age into premium pricing, and some such as RACV (Prime cover) and GIO (55 and Up) have a specialised policy. Seniors policies are often very similar to the standard policy offering, with some minor tweaks (for example, some offer additional cover for grandchildren's belongings). Accessing a special seniors policy can net you some extra features, but check the fine print and don't restrict your options shop around utilising the entire market. Underinsurance protection Additional coverage for spills and other mishaps. Underinsurance is a common problem, and top policies protect against it. Additional costs like more expensive materials and removing debris can add up. We score policies based on the benefits they provide to protect against underinsurance. Glass breakage Higher sub-limits Uniform replacement Landslide Fusion Most insurers will not guarantee to use the same materials. Terms and Only the most basic policies exclude it. conditions vary. Tsunami Terms and conditions vary. Explosion Impact Flood Earthquake May not be covered in standard level policies. VANDALIDM Terms and conditions vary. Flood We consider flood essential in top cover policies. Vandalism Damage by anímals Excluding pets, biting, pecking, clawing or Fences and retaining walls Theft Usually excluded if the thief has entered with owner's consent. Terms and conditions may vary. They are often restricted or not covered at all. chewing. %24 LEGEND Standard and top cover Lightning Top cover only Tip Fire Adding an alarm to your house is another way to reduce your premium. A better alarm can sometimes be used as Storm Top cover costs more than standard. negotiation for a bigger discount call your Insurer to find out more. Most insurers Accidental damage offer a seniors discount or factor age into premium pricing, and some such as RACV (Prime cover) and GIO (55 and Up) have a specialised policy. Seniors policies are often very similar to the standard policy offering, with some minor tweaks (for example, some offer additional cover for grandchildren's belongings). Accessing a special seniors policy can net you some extra features, but check the fine print and don't restrict your options shop around utilising the entire market. Underinsurance protection Additional coverage for spills and other mishaps. Underinsurance is a common problem, and top policies protect against it. Additional costs like more expensive materials and removing debris can add up. We score policies based on the benefits they provide to protect against underinsurance. Glass breakage Higher sub-limits Uniform replacement Landslide Fusion Most insurers will not guarantee to use the same materials. Terms and Only the most basic policies exclude it. conditions vary. Tsunami Terms and conditions vary. Explosion Impact Flood Earthquake May not be covered in standard level policies. VANDALIDM Terms and conditions vary. Flood We consider flood essential in top cover policies. Vandalism Damage by anímals Excluding pets, biting, pecking, clawing or Fences and retaining walls Theft Usually excluded if the thief has entered with owner's consent. Terms and conditions may vary. They are often restricted or not covered at all. chewing. %24