House Insurance

If you are injured, and, as a consequence, die as the result of a sudden accidental event caused by accidental loss to your property covered by this policy, we will pay $20,000 to your estate.

If your main residence is uninhabitable, we will pay up to $50,000 for the additional and reasonable costs for alternative accommodation while the property is being assessed and/or repaired.

If emergency services cause damage to your property on entry, we'll cover it up to $10,000.

We'll allow you to claim under the Alternative accommodation benefit when you are denied access to your house due to safety concerns or an emergency.

Claims solely for accidental breakage of glass in windows, doors or screens of your house will not have an excess applied and your No Claims Bonus will not be affected.

In certain circumstances we'll provide up to $5,000 for hidden rot, hidden mildew or hidden gradual deterioration caused by water leaking from an internal source.

We'll provide cover for damage caused by a fire or explosion intentionally caused by any tenant, guest of a tenant or your guest.

If we've accepted a claim, you'll also be entitled for up to $5,000 to replant or repair damaged lawns, flowers, trees, hedges or shrubs or to pay for other reasonable landscaping costs.

We will cover the reasonable cost of replacing locks and keys (including electronic access cards and transponders and remote door openers) if they have been lost, damaged, stolen or duplicated. No excess needs to be paid for your first claim under this benefit. That first claim will not affect your No Claims Bonus. The most we will pay for any one event is $2,000.

Your premium includes a levy which is paid to the Natural Hazards Commission under NHCover. NHCover provides cover for damage after a natural hazard, up to limits set by them, We provide natural hazards cover for your property not covered by NHCover and for damage in excess of NHCover limits.

If you're building a new structure we'll provide up to $20,000 to cover the new structure being built and any building materials that will be incorporated.

We'll pay up to $10,000 for reasonable costs incurred to protect a Member's property from loss, or following a loss, to minimise damage and prevent further loss. We will also pay the reasonable costs incurred to replenish your fire fighting equipment after it has been used to protect your house.

If we've accepted a claim, you'll also be entitled for up to $2,000 for the reasonable costs incurred for the removal of a fallen or partially fallen tree on your property.

You can select your own repairer.  If you select a repairer that we approve, we will guarantee the quality of their repairs completed under the claim.