What we cover - the building
| What do we cover as the building? |
What is it covered against? |
How much is it covered for? |
The building is the dwelling and other structures at the site used for domestic or residential purposes.
See below for what the building includes.
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Damage or loss caused by the insured events listed on this page
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The cost of repairing or rebuilding it with new materials to the same size and standard as your current home.
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This policy also covers 'other costs' (this page), ‘additional benefits’ (this page), and ‘your legal liability’ (this page).
The building includes:
outbuildings and permanent structural improvements,
fixtures and fittings that:
are permanently attached to the home building or the site,
are stored at the site in a building capable of being locked while awaiting installation.
that part of the building used for performing office work,
services, whether above or below ground, that are your property or for which you are liable,
any jetty at your site owned by you and used only for domestic purposes.
The building excludes:
fixed wall and floor coverings such as carpets, internal blinds, drapes, and curtains,
any part of the home building or the site used for conducting a business, trade, professional services, or farming of any description,
any part of the building or other structures at the site that cannot be locked because that building or structure or part of it is being altered, renovated or rebuilt,
a temporary building or structure or a building or structure in the course of construction,
houseboats, watercraft, caravans, mobile buildings (fixed or free-standing), motorised vehicles of any type and the parts and accessories of any of these items,
the loose surfaces of tennis courts, driveways and paths,
hedges (whether or not they form a fence), lawns, trees, shrubs, plants, flowers, garden beds or any other living material.