- Cover Summary
Smart Features, Flexible Options:
1Cover Home and Contents policies come with a number of automatic benefits:
- Cover for a range of unforseen events, such as: fire, storm & rainwater damage and theft
- Automatic adjustment to the sum insured for your home (to allow for increased building costs) and certain contents, when the policy is renewed
- New for old replacement for home and contents
- Limit of $20 million for legal liability
- A range of extra benefits including automatic cover for removal of debris & temporary accommodation if you are unable to stay in your home
- Reduced premiums when you combine Home and Contents on one policy
- Speedy and efficient claims process
- Over the phone purchase option
- 21-day cooling off period *
1Cover home insurance also offers a wide range of extra benefits for inclusion in your policy, allowing you to adapt the cover to fit both your needs, and your budget!
Policy benefits:
| Benefits | Home | Contents |
|---|---|---|
| Up to $20 million legal liability cover | Yes |
Yes |
| Fire cover | Yes |
Yes |
| Explosion cover | Yes |
Yes |
| Theft or attempted theft | Yes |
Yes |
| Malicious damage, vandalism, riot or civil commotion | Yes |
Yes |
| Accidental breakage of glass, ceramic & sanitary fixtures | Yes |
Yes |
| Storm & rainwater damage | Yes |
Yes |
| Lightning Cover | Yes |
Yes |
| Earthquake Cover | Yes |
Yes |
| Escape Of Liquid | Yes |
Yes |
| Impact Cover | Yes |
Yes |
| Lump sum or instalment payments | Yes |
Yes |
| Temporary Accommodation Costs | Yes |
Yes |
| Mortgage Discharge Costs | Yes |
No |
| Funeral Expenses | Yes |
Yes |
| Replacement Of Locks Up To $500 | No |
Yes |
| Open Air Contents Cover - Contents In The Open At The Insured Address | No |
Yes |
| Contents Away From The Insured Address | No |
Yes |
| Credit Card Cover Up To $1000 | No |
Yes |
| Uninsured Guests' Contents Cover Up To $500 | No |
Yes |
| Unattached Equipment Cover Up To $500 | No |
Yes |
| Optional Benefits | Home | Contents |
|---|---|---|
| Personal Effects Cover | No |
Yes |
| Motor Burnout Cover | Yes |
Yes |
| Accidental Damage Cover | Yes |
Yes |
| Choice Of Excess Options | Yes |
Yes |
This is a brief summary only. Conditions apply. See the PDS for details.
*Providing you cancel within 21 days of purchase and do not claim on the policy, your premium will be refunded.
