Home Insurance

Getting home insurance is on the top of many people's lists. After all, getting the right home insurance cover means that you are covered in the event that something happens to your personal possessions, or even the entire building (building cover is especially used by landlords). To get the right cover one needs to sufficiently compare home insurance policies and think carefully about each choice.

Insurance Information

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There are lots of home insurance cover options, so take your time and make sure you go with the type which suits your personal situation. For example, you might specifically need cover away from home – for people who travel a lot and want to make sure that their home/home contents are safe in the interim. Or, you might have kids and want to make sure that your home insurance covers your valuables against breakages or damage.

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COMPANYPOLICYCOSTEXCESSCOVERACCIDENTALFUSIONPROTECTIONFLOODVALUABLESMORE INFO
Commonwealth Bank Group
Commonwealth Bank Group		Residential home packageFrom $54.83 per month$100 - $5000Type

Cover Type

Building Cover and Contents Cover


Level

Cover Level

Building, contents and personal valuables


Detail

Cover Detail

Buildings cover
1. Total Building Replacement Cover Legal liability cover
2. Demolition and debris removal costs
3. Replacement of locks or keys
4. Mortgage discharge and new title deed costs
5. Professional fees Buildings materials
6. Construction materials Emergency work and temporary repairs, Landscaping rectification costs, Matching of materials used to repair building damage
7. Alternative accommodation costs.
 
Contents cover
 
1. New for old replacement for many contents items.
2. Visitors property
3. Alternative accommodation costs 
4. Legal liability cover
5. Demolition and debris removal costs
6. Replacement of locks or keys
7. Emergency work and temporary repairs
8. Moving within Australia

Available with restrictionsNormally $500Cover availableFlash flooding onlyCover availableCommonwealth Bank Group
The Commmonwealth Residential Home Package provides home insurance for your building plus new for old contents cover. This package has many practical and flexible features including the ability to remove options, like theft or fusion and power surge, to reduce the premium. This package also includes options such as accidental damage and personal valuables cover.
DETAIL INFORMATION >>		Services

Services

1. Cover is available for building, contents and personal valuables.
2. You can pay monthly or annually.


Restrictions

Restrictions

All contents including specified contents are not covered outside of the insured address


Advantages

Advantages

1. Building, contents and personal valuables cover.
2. Removable options to reduce the premium include theft, accidental glass breakage and power surge.
3. Peace of mind via new-for-old contents replacement cover.
4. Optional cover such as accidental damage or personal valuables cover.
5. Make payments when it suits you – monthly or yearly.


Disadvantages

Disadvantages

1. All contents including specified contents are not covered outside of the insured address.
2. One of the general exclusions is wear and tear and lack of maintenance including rust, corrosion and deterioration.
3. There are general exclusions which apply to the overall policy.
4. There are limits on the amount they will cover for certain contents items.

AAMI
AAMI		RenterAvailable for $45.87 per month$0 - $500Type

Cover Type

Fire and Theft Home Contents


Level

Cover Level

Contents


Detail

Cover Detail

The contents covered are items used for domestic or residential purposes, and which are: kept within your home, not permanently attached to your building, and owned by you or for which you are legally liable.

CoveredNot coveredNot coveredNot coveredLimited coverAAMI
The AAMI Renters Insurance is a low cost insurance which is suitable for people in shared accommodation or renters. It covers you for the two most frequent events for which you may need contents insurance protection, fire and theft. This policy is designed so that you do not have to pay for features which may not be applicable to you.
DETAIL INFORMATION >>		Services

Services

1. You can choose to pay your premium monthly or annually,


Restrictions

Restrictions

If the replacement value of your contents is higher than the $25,000 maximum cover provided under this policy, or you want wider cover for them, you should consider insuring them under the AAMI Home Contents Policy.


Advantages

Advantages

1. Flexible payment options
2. Easy share accommodation insurance
3. One point of contact
4. New for old replacement
5. Up to $25,000 (new for old), against fire and theft while they are within your home.


Disadvantages

Disadvantages

1. See website for contents they do not cover.
2. There is a limit for the amount of contents they do cover

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