Home and Contents Insurance
Our Home and Contents policies provide financial security against the consequence of loss and damage from insured events and legal liability.
To calculate the cost of insuring your home and/or contents with our policies you can get a quote now! If you have saved a quote here during the last 2 weeks you can retrieve a saved quote.
We offer an online purchase discount of 10% which is retained upon renewal, as well as other discounts which can add up to 40% off*.
To help estimate the amount you should insure your home and contents for, you can use our home value calculator and contents value calculator.
*Please read the discount terms before applying.
Policy Options
Summary of Benefits
| |
Everyday Care |
Extra Care |
Elite Care |
Specific Cover
|
Insured Events
(see below) |
Insured Events
(see below) |
Insured Events
& Accidental Loss or Damage |
| New for old* |
Yes |
Yes |
Yes |
| Flood cover |
Yes |
Yes |
Yes |
| Legal liability |
$10 million |
$20 million |
$20 million |
| Computers and home office equipment |
$15,000 |
$15,000 |
$15,000 |
| Aggravated theft |
No |
$1,000 |
$1,000 |
| Fusion or power surge * |
Yes |
Yes |
Yes |
| Change of site |
No |
30 days |
30 days |
| Pictures and works of art |
$1,000 per item or
25% of sum insured |
$5,000 per item |
$10,000 per item |
| Jewellery, furs, gold and silver objects |
$1,000 per item or
25% of sum insured |
$2,500 per item or
25% of sum insured |
$2,500 per item or
25% of sum insured |
| Breakage of fixed glass |
Yes |
Yes |
Yes |
| Theft and misuse of credit cards |
$500 |
$5,000 |
$5,000 |
| Theft or damage to trees, plants or shrubs |
No |
$500 per item |
$500 per item |
| Tools and equipment used for business |
$500 |
$5,000 |
$5,000 |
| Spoilage of perishable food |
$500 |
$750 |
$1,000 |
| Cash |
$200 |
$750 |
$1,000 |
| Veterinary expenses for pet injured in a road accident |
No |
$500 |
$500 |
| Locks replacement |
No |
$1,000 |
$1,000 |
| Temporary accommodation ** |
Yes |
Yes |
Yes |
| Temporary removal of contents ** |
10% of sum insured |
20% of sum insured |
20% of sum insured |
| Contents in the open air ** |
10% of sum insured |
20% of sum insured |
20% of sum insured |
| Visitors possessions |
$200 |
$5,000 |
$5,000 |
| Legal costs to discharge mortgage for a total loss |
No |
Yes |
Yes |
| Fatal injury |
$10,000 |
$15,000 |
$15,000 |
| Exploratory costs e.g. find leaking pipes |
$1,000 |
$2,000 |
$2,000 |
| Costs of security firm attendance |
$500 |
$1,000 |
$1,000 |
| Motor accessories |
No |
$1,000 |
$1,000 |
| EXCESS OPTIONS |
$300, $500 or $1000 |
$300, $500 or $1000 |
$300, $500 or $1000 |
Insured Events
- Fire
- Theft or attempted theft
- Storm and/or rainwater/flood
- Bursting, leaking of pipes or fixed apparatus
|
- Lightning or thunderbolt
- Riot or civil commotion
- Accidental breakage of glass
- Power surge or fusion in domestic appliances
|
- Impact
- Explosion
- Earthquake
- Malicious damage
|
NOTE: Conditions apply. Full details can be obtained from the PDS.
Higher limits may be obtained under specified contents or specified personal property.
* Depreciation applied to electric motors over 10 years old only.
** Limitations apply.
Selecting your excess
You can now select your level of excess. The higher the level of excess you choose the bigger the discount you will receive.
Australian Unity does not offer Everyday, Extra or Elite Care Insurance for properties rented out to tenants. Instead we offer Landlords Insurance which includes optional loss of rent cover and much more.
Calliden Insurance Limited (ABN 47 004 125 268) (AFSL 234438) is the issuer of the home and contents, and landlords insurance products available from Australian Unity Retail Network Pty Limited (Authorised Representative of Calliden Insurance Limited). A Product Disclosure Statement for each of these products can be obtained by downloading it from this website or by calling 13 29 39 and should be considered when deciding whether to acquire, or to continue to hold, that product. Click here to view Calliden Insurance Limited’s privacy policy.