| Help |
Cover Item |
Building Insurance |
Contents Insurance |
|
|
Accidental breakage of glass |
Yes |
Yes |
|
|
Earthquake |
Yes $250 additional excess |
Yes $250 additional excess |
|
|
Explosion |
Yes |
Yes |
|
|
Fire or smoke |
Yes |
Yes |
|
|
Impact Damage |
Yes |
Yes |
|
|
Lightening or thunderbolt |
Yes |
Yes |
|
|
Malicious acts |
Yes |
Yes |
|
|
Riot or civil commotion |
Yes |
Yes |
|
|
Storm, rainwater or run-off |
Yes |
Yes |
|
|
Theft, burglary or house break-in |
Yes |
Yes |
|
|
Tsunami |
Yes $250 additional excess |
Yes $250 additional excess |
|
|
Water or other liquid damage |
Yes |
Yes |
|
|
Automatic indexation of sums insured |
Yes |
Yes |
|
|
Contents in open air at the risk address |
No |
Yes Up to $200 |
|
|
Continuation of cover when you are selling your building |
Yes |
No |
|
|
Fusion |
Yes |
Yes |
|
|
Landlord contents |
Yes |
No |
|
|
Legal liability (cover for injury to other people or their property) |
Yes Up to $10 million |
Yes |
|
|
Mortgage discharge costs |
Yes Up to $2,000 |
No |
|
|
Reinstatement of sum insured after a loss |
Yes |
Yes |
|
|
Removal of debris, professional rebuilding fees and extra costs of complying with building regulations |
Yes |
Yes |
|
|
Rental costs after an insurance event |
Yes Up to 12 months |
No |
|
|
Replacement of locks or cylinders |
Yes Up to $500 |
Yes Up to $500 |
|
|
Rainwater tanks and solar water heater |
Yes Up to $5,000 |
No |
