What we cover - Insured events
What we cover - Insured events
What we cover - insured events
This section describes under the heading:
Yes - the insured events you are covered for,
No - the conditions and exclusions that specifically apply to particular insured events.
| Yes | No |
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You are covered for damage or loss to your home building occurring during the period of cover and caused by the following events: |
You are not covered for: |
| Animals and birds - the actions of animals and birds |
Damage or loss caused by: vermin, rodents, insects (including termites), domestic animals, animals and birds kept in your building or at the site, scratching, chewing, tearing or soiling the exterior of all buildings and the interior of partially enclosed buildings. |
| Earthquake including subsidence and landslide caused by an earthquake. | Damage or loss caused by tidal wave, tsunami, high tide or other actions of the sea. |
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Explosion |
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| Fire (burning with flames). |
Damage or loss caused by: any process involving the application of heat where there was no flame, for example, cigarette burn marks or scorch marks are not covered, soot and smoke where your building or the site has not been damaged by fire unless there was an occurrence within your building where no flame resulted but soot and smoke damage was caused. |
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Impact - sudden and unexpected impact of any: motor vehicle, aircraft, watercraft or space debris, object falling from a motor vehicle or aircraft, falling tree or part of a tree, aerial, mast or satellite dish which breaks or collapses. |
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Liquid escaping suddenly and unexpectedly from a: water main, drain, fixed pipe, gutter, guttering, fixed tank or drain, sink, basin, bath, shower, toilet or spa bath, dishwasher or washing machine, fixed heating or cooling system, aquarium |
Damage or loss resulting from: liquid escaping slowly over a period of time where you could reasonably be expected to be aware of this condition. The cost of repairing or replacing the item from which the water or liquid escaped. |
| Malicious acts and vandalism - actual or attempted by persons who are not living with you. | |
| Riot, civil commotion or labour disturbances | Damage or loss caused if you or anyone living with you participated in the event. |
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Storm and rainwater including stormwater runoff from areas surrounding the site, or water escaping from any water main, drain, pipe, street gutter, guttering or surface. Storm means violent wind (including a cyclone or tornado), thunderstorm or a heavy fall of rain, snow or hail. |
Damage or loss caused by flood. Flood means the inundation or covering of normally dry land by water which: escapes or overflows from, or cannot enter, because it is full or has overflowed, or is prevented from entering, because other water has already escaped or been released from it, the normal confines of any watercourse or lake, including any that may have been modified by human intervention, or reservoir, canal, dam or stormwater channel. Flood does not mean stormwater runoff from areas surrounding the site, or water escaping from any water main, drain, pipe, street gutter, guttering or surface. The cost of cleaning or clearing debris from any pool or spa. Damage or loss caused by water seeping into or otherwise entering your building due to: a defect or fault in the design, structure or construction of your building where you could reasonably be expected to be aware of the defect or fault, building alterations, renovations or additions. Damage or loss caused by dust where your building has not been otherwise damaged by storm. |
| Theft - by persons who are not living with you. | |
| Thunderbolt and lightning | |