Sure-Home-Contents-PDS-04-2023-effective-1-5-2023-1.pdf

HOME & CONTENTS PRODUCT DISCLOSURE STATEMENT Effective date — 1 May 2023 SUMMARY OF WHAT YOU ARE COVERED FOR - Loss of rent Up to 10% of the home sum insured....

HOME & CONTENTS PRODUCT DISCLOSURE STATEMENT Effective date — 1 May 2023 SUMMARY OF WHAT YOU ARE COVERED FOR - Loss of rent Up to 10% of the home sum insured. Riot or civil commotion Up to your sum insured. INSURED EVENTS For more details see page 37. For more details see page 41. We will cover you for loss and damage as a result of the following Malicious damage by a tenant Spoilage of food and medication insured events: or their guest Up to $750. No excess will apply if the Up to $20,000 per policy term. loss is a direct result of a bushfire, For more details see pages 37-38. cyclone or flood. Burglary, theft or attempted Exploratory costs of a leak For more details see pages 41-42. burglary or theft Up to $1,000. Malicious damage, intentional Up to your sum insured. For more details see page 33. damage or damage by vandals Storm surge For more details see page 29. Up to your sum insured. Up to your sum insured or up to 10% Explosion For more details see page 38. of your home sum insured for loss and Burglary or theft by a tenant or Up to your sum insured. damage to paths, driveways, gardens, their guest For more details see page 33. Matching repairs paving, freestanding and retaining walls. Up to your sum insured. Up to $1,000. For more details see page 42. For more details see page 29. Fatal injury compensation For more details see page 38. Up to $10,000 per person. Supplementary living expenses Clean-up following death For more details see page 34. Mitigation improvements Up to $10,000. Up to $20,000. Up to $10,000. For more details see pages 42-43. For more details see page 29. Fire (including bushfire) For more details see page 38. Up to your sum insured. Temporary accommodation Contents in the open air For more details see page 34. Mortgage discharge cost Up to 18 months or 10% of your Up to $3,000. Up to $1,500. sum insured. Plus, up to $2,000 for For more details see page 30. Flood (including water runoff) For more details see page 39. your dog or cat. Up to your sum insured. For more details see page 43. Credit card or ATM card cover For more details see pages 34-35. Motor burnout Up to $1,000. Up to 15 years. Temporary removal of contents For more details see page 30. Garden and plants For more details see page 39. Up to 90 days. Up to $1,000. For more details see page 43. Cyclone, storm and water runoff For more details see page 35. Moving to a new address Up to your sum insured. Up to 14 days. Temporary storage of For more details see page 31. Glass For more details see page 40. undamaged contents Up to your sum insured. Up to 18 months or 10% of the Damage by an animal For more details see pages 35-36. Paraplegia or quadriplegia assistance sum insured. Up to your sum insured. Up to $20,000. For more details see pages 43-44. For more details see pages 31-32. Impact For more details see page 40. Up to your sum insured. Unfixed building materials Earthquake or tsunami For more details see page 36. Removal of debris and rebuilding costs Up to $1,000. Up to your sum insured. Up to 25% of your sum insured in addition For more details see page 44. For more details see page 32. Legal liability to your sum insured. Up to $20,000,000. For more details see pages 40-41. Visitors’ contents Escape of water or liquids For more details see pages 47-48. Up to $1,000. Up to your sum insured. Replacement of locks For more details see page 44. For more details see pages 32-33. Lightning Up to $1,000. Up to your sum insured. For more details see page 41. For more details see page 37. sure-insurance.com.au 2 3 TABLE OF CONTENTS YOUR HOME.............................................................................................................21 WHAT IS NOT INSURED AS YOUR HOME..........................................................22 SUMMARY OF WHAT YOU ARE COVERED FOR...............................................2 LIMITS FOR HOME COVER....................................................................................22 TABLE OF CONTENTS.............................................................................................4 YOUR HOME SUM INSURED.................................................................................23 WELCOME TO SURE INSURANCE........................................................................9 Automatic reinstatement of your home sum insured......................................23 Purpose of this policy........................................................................................9 Increases to your home sum insured at renewal..............................................23 YOUR CONTENTS....................................................................................................24 Your product disclosure statement.................................................................9 If contents are insured in a property which you are the landlord and Your certificate of insurance.............................................................................10 which is rented out, then landlords contents include......................................25 Who issues your policy?....................................................................................10 If contents are insured in a property in which you are a tenant or lot owner of a strata title scheme.............................................................................25 SUMMARY OF CHOOSING YOUR COVER.........................................................11 WHAT IS NOT INSURED AS CONTENTS..............................................................25 Who is the product designed for?..................................................................11 LIMITS FOR CONTENTS COVER...........................................................................26 Business use - working from home....................................................................13 Working from a home office – Employed..........................................................13 YOUR CONTENTS SUM INSURED........................................................................28 Do I need specific working from a home office insurance?............................13 Automatic reinstatement of your contents sum insured..................................28 What if I have clients or work collegues coming to my home?......................13 Increases to your contents sum insured at renewal.........................................28 Running a business from home – Self-employed.............................................13 INSURED EVENTS - WHAT YOU ARE COVERED FOR......................................29 SUMMARY OF IMPORTANT INFORMATION.....................................................17 Burglary, theft or attempted theft.......................................................................29 Burglary or theft by a tenant or their guest.......................................................29 Exclusions for new policies..............................................................................17 Clean-up following death....................................................................................29 Cooling-off period..............................................................................................17 Contents in the open air......................................................................................30 Credit card or ATM card cover............................................................................30 Your responsibilities..........................................................................................17 Cyclone, storm and water runoff.........................................................................31 Your duty to take reasonable care not to make a misrepresentation.............17 Damage by an animal.........................................................................................31 More than one named insured...........................................................................18 Earthquake or tsunami.........................................................................................32 You must keep your home in good condition..................................................18 Escape of water or liquid.....................................................................................32 Not meeting your responsibilities......................................................................18 Exploratory costs of a leak...................................................................................33 Changes to your circumstances and other Explosion...............................................................................................................33 situations that require you to contact us............................................................18 Fatal injury compensation....................................................................................34 What we will do when you contact us................................................................19 Fire (including bushfire).......................................................................................34 When changing the insured address.................................................................19 Flood and water runoff.........................................................................................34 SUMMARY OF IMPORTANT CLAIMS INFORMATION......................................20 Garden and plants................................................................................................35 Making a claim......................................................................................................20 Glass.......................................................................................................................35 Establishing your loss...........................................................................................20 Impact....................................................................................................................36 Proof of ownership and value.............................................................................20 Lightning................................................................................................................37 How claims are settled.........................................................................................20 Loss of rent............................................................................................................37 Excess.....................................................................................................................20 Malicious damage by a tenant or their guest...................................................37 Malicious damage, intentional damage or damage by vandals....................38 sure-insurance.com.au 4 5  Matching repairs...................................................................................................38 Hydrostatic pressure.............................................................................................50 Mitigation improvements (bushfire, cyclone and flood).................................38 Illegal or criminal activity.....................................................................................50 Mortgage discharge costs...................................................................................39 Loss not caused by an insured event.................................................................50 Motor burnout.......................................................................................................39 Loss of value..........................................................................................................50 Moving to a new address.....................................................................................40 Medical equipment and aids..............................................................................51 Paraplegia or quadriplegia assistance...............................................................40 Multiple tenants or paying guests......................................................................51 Removal of debris and rebuilding costs............................................................40 Non-compliance with building regulations.......................................................51 Replacement of locks...........................................................................................41 Pests or parasites..................................................................................................51 Riot or civil commotion........................................................................................41 Power surge...........................................................................................................51 Spoilage of food and medication.......................................................................41 Pre-existing loss, damage or liability - Period of insurance.............................51 Storm surge...........................................................................................................42 Property not owned by you.................................................................................51 Supplementary living expenses..........................................................................42 Radioactivity..........................................................................................................52 Temporary accommodation................................................................................43 Roots and trees.....................................................................................................52 Temporary removal of contents..........................................................................43 Seepage and pollution........................................................................................52 Temporary storage of undamaged contents....................................................43 Short-term and holiday renting...........................................................................52 Unfixed building materials..................................................................................44 Sporting goods.....................................................................................................52 Visitors’ contents...................................................................................................44 Terrorism or war....................................................................................................52 OPTIONAL EXTRAS.................................................................................................44 Tree lopping..........................................................................................................52 Unoccupied home................................................................................................53 Accidental damage to the home........................................................................44 War..........................................................................................................................53 Accidental damage to contents..........................................................................45 Watercraft..............................................................................................................53 Specified contents in the home..........................................................................46 Wear and tear........................................................................................................53 Specified contents away from the home...........................................................46 Unspecified contents away from the home.......................................................46 CLAIMS - MAKING A CLAIM..................................................................................54 LEGAL LIABILITY.......................................................................................................47 Your obligations....................................................................................................54 If you are registered or required to be registered for GST..............................56 Home insurance legal liability.............................................................................47 Contents insurance legal liability........................................................................47 AMOUNTS SHOWN.................................................................................................56 Legal liability exclusions......................................................................................47 WHAT WE PAY - SETTLING YOUR HOME CLAIM..............................................56 GENERAL EXCLUSIONS - WHAT YOU ARE NOT COVERED FOR..................49 Matching materials...............................................................................................57 Action of the sea...................................................................................................49 Rebuilding at an alternative location.................................................................57 Asbestos................................................................................................................49 Choice of repairer.................................................................................................57 Business activity....................................................................................................49 Lifetime repair guarantee....................................................................................57 Confiscation..........................................................................................................49 WHAT WE PAY - SETTLING YOUR CONTENTS Consequential loss...............................................................................................49 AND SPECIFIED ITEMS CLAIM..............................................................................58 Cyber loss..............................................................................................................49 We treat these items differently when we repair or replace them.................58 Dangerous goods.................................................................................................49 Defective or faulty design or workmanship......................................................49 EXCESS.......................................................................................................................59 Deliberate acts......................................................................................................50 Standard excess....................................................................................................59 Disease or infection..............................................................................................50 Burglary or theft by a tenant or their guest.......................................................59 Failure to maintain your home and contents in good condition....................50 Malicious damage by a tenant or their guest...................................................59 Ground movement (erosion and landslide)......................................................50 No excess payable...............................................................................................60 How to pay your excess.......................................................................................60 sure-insurance.com.au 6 7 CHOICE OF REPAIRER............................................................................................60 WELCOME TO SURE INSURANCE CONDUCT OF OTHERS...........................................................................................60 FRAUD........................................................................................................................60 PURPOSE OF THIS POLICY This policy is intended to cover you for loss, damage and legal liability against sudden, TOTAL LOSS...............................................................................................................61 unforeseen and unexpected events as specified in this Product Disclosure Statement Your premium after we have paid a total loss...................................................61 (PDS), that result in loss and damage to the insured home and/or contents. Over-insurance......................................................................................................61 It is not a maintenance policy, nor a substitute for maintenance of the insured home and Paying your mortgage or credit provider..........................................................61 contents. It is not intended or designed to cover: ABOUT THE COST OF THE PRODUCT – YOUR PREMIUM...............................61 items that have a limited expected life span such as grout, sealants, waterproof HOW WE CALCULATE YOUR PREMIUM.............................................................62 membranes, and other perishable materials that breakdown and deteriorate with age, usage or environmental factors; Optional extras.....................................................................................................62 loss or damage resulting from a gradual process of deterioration, of which you Premium discounts...............................................................................................63 were aware or should have been aware and in respect of which you did not take Monthly instalment payments.............................................................................63 any or any adequate steps to repair or replace the damaged item before the loss Overdue instalments............................................................................................64 or damage occurred, such as corrosion, dripping, fading, leaking, mildew, mould, Weekends or public holidays.............................................................................64 overflowing, rot, rising damp, rust, splashing or wear and tear. Policy renewal.......................................................................................................64 Maintaining your home in good repair and good condition is one of the most important PAYMENTS AND REFUNDS...................................................................................64 conditions of your policy. You must ensure your home and contents are watertight, structurally sound, secure and well-maintained, including but not limited to ensuring: CANCELLATIONS.....................................................................................................65 there are no external holes, loose or missing roofing, mould, termite or white ant Cancellation by you..............................................................................................65 damage, rotted or rusted or broken areas of any fence, roof, ceiling, floor or walls; Cancellation by us................................................................................................65 there are no gutters, drains, water pipes or tiled areas that leak are blocked or Upon cancellation.................................................................................................65 need repair; COMPLAINTS............................................................................................................66 all previous damage has been repaired; CODE OF PRACTICE...............................................................................................67 locks and alarms are maintained in good working condition; you take all reasonable care to prevent theft, loss and damage to the property FINANCIAL SERVICES CLAIM SCHEME..............................................................67 insured under your policy; and PERSONAL INFORMATION...................................................................................68 your home complies with all applicable local government and/ or statutory How we use your personal information.............................................................68 requirements when construction, alteration or repairs are undertaken including the driveway. We may disclose your personal information to................................................68 Our Privacy Policy..................................................................................................68 YOUR PRODUCT DISCLOSURE STATEMENT Our Privacy Statement.........................................................................................68 This Product Disclosure Statement (PDS) and any Supplementary PDS (SPDS) are WORDS WITH SPECIAL MEANINGS - DEFINITIONS........................................69 important legal documents that contain details of your Sure Home and Contents Insurance policies. Before you decide to buy this product from us, please read this PDS CONTACT US.............................................................................................................76 carefully. If you purchase this product, your policy includes your PDS and your Certificate of Insurance, which shows the insurance details particular to you. Words used throughout this PDS that are highlighted in italics are each defined in Words with special meanings – Definitions on pages 69-75. sure-insurance.com.au 8 9 The information in this PDS is current at the date of preparation. From time to time, we Any general advice provided by Sure Insurance relating to this policy is provided under may update some of the information in the PDS that does not materially or adversely its Australian Financial Services Licence (AFSL). Please consider your financial situation, affect you without notifying you. If we need to change the terms and conditions of this needs and objectives and read the PDS and Financial Services Guide (FSG) before PDS we may issue a Supplementary PDS (SPDS). deciding whether to buy this insurance from us. You can obtain a copy of any updated information by either: In addition, our Target Market Determination (TMD), available on our website or from the insurance broker who arranged this insurance for you, may assist you to understand the visiting www.sure-insurance.com.au or class of retail clients for whom this policy has been designed. calling us on 1300 392 535 SUMMARY OF CHOOSING YOUR COVER YOUR CERTIFICATE OF INSURANCE Your Certificate of Insurance shows the type of cover you have chosen. Your Certificate of Insurance states the type of policy you have with us and the We offer the following insurance options: specific details that apply to your policy including: home insurance only; or each policyholder and the insured address; contents insurance only; or the period of insurance; both home and contents insurance. the home sum insured and/or the contents sum insured you have chosen; any optional extras you have chosen; You can also choose a number of optional extras, namely: any specified items and the sum insured that applies to each of them; accidental damage – home; and any limits and special conditions that apply to your policy; accidental damage – contents; and the excess you have chosen and any other excesses that may apply; specified contents away from the home; and the premium you need to pay. unspecified contents away from the home. When you take out a new policy, renew a current policy or make a change to your An additional premium may be charged for any (optional) extras we agree to include in existing policy, we will provide you with a Certificate of Insurance. When you receive your your insurance cover. Premium discounts do not apply to optional extras. Certificate of Insurance, you should check the details to make sure they are correct and contact us immediately if they require amending. WHO IS THE PRODUCT DESIGNED FOR? It is therefore important you notify us of any changes to your email address, The product you select will either provide cover for your home only, your contents only phone number or contact preferences. or both your home and contents. Home cover provides insurance protection for homeowners and those who have a WHO ISSUES YOUR POLICY? financial interest in the home for specified causes of loss and damage and their legal For policies with an effective commencement date on or after 01/09/2022: liability in connection with the ownership of their home. A retail client can be either an owner-occupier or a landlord who rents out all or part of their home. However, not all Financial services in connection with your insurance are provided by us on behalf homeowners fall within our target market. of the product issuers Liberty Mutual Insurance Company, Australia Branch (ABN 61 086 083 605), a company incorporated under the laws of Massachusetts, USA (the Contents cover provides insurance protection for loss and damage to household contents, liability of members is limited), trading as Liberty Specialty Markets (Liberty) and Pacific furniture, appliances, clothing and specified personal effects, and any legal liability that International Insurance Pty Ltd (ABN 83 169 311 193), trading as Pacific arises from the ownership of those contents that may occur away from home anywhere International (Pacific). in Australia. Liberty and Pacific both underwrite the Home and Contents insurance cover as set out in this PDS. Liberty solely underwrites the Legal Liability cover of Home and Contents insurance as set out in this PDS. sure-insurance.com.au 10 11 More detailed explanations of the target market are set out in the tables below: BUSINESS USE - WORKING FROM HOME Home insurance Working from a home office – Employed COVID-19 has affected how many of us work, with working from home and hybrid working arrangements now a feature of many businesses. What you need to know This product is appropriate for: This product is not appropriate for: about working from home and your Sure Insurance home and contents insurance is explained below. Homes that are situated in regional Homes that are situated outside of Queensland from Maryborough north regional Queensland. Do I need specific working from a home office insurance? to the Cape and west to Mount Isa. We provide cover for office equipment, such as computers and printers as standard Homeowners who own and occupy Unoccupied homes. with our contents insurance cover, see Computers and home office equipment - up to their home. $10,000 on page 27 for full details. New homes under construction. If your employer has provided you office equipment to use from home, this should be Homes or units that form part of a covered by their business insurance. However, if it is not, and you are legally liable for it Community Title Scheme (strata whilst at home, it is covered. See Computers and home office equipment - up to title scheme). $10,000 on page 27 for full details. Caravans, mobile homes or What if I have clients or work colleagues coming to my home? houseboats. We do not cover your legal liability if the loss or damage was caused by or resulted from any business activity conducted at the insured address or elsewhere. See pages 48-49 Contents insurance for full details. This product is appropriate for: This product is not appropriate for: If you have colleagues or customers attending your home in person for business meetings or any business purposes, you should consider arranging a separate public Contents located in a residential Contents located in a residential home, liability or small business insurance policy. home, unit, apartment or townhouse unit, apartment or townhouse situated situated in regional Queensland, from outside of regional Queensland. Running a business from home – Self-employed Maryborough north to the Cape and Can I run a business from home? west to Mount Isa. Our home and contents cover is designed for residential homes and office/ Contents located within a residential Contents located in a caravan, mobile administrative style work from a home office. home, unit, apartment, or townhouse home, houseboat, hotel, motel, It is not designed for farm buildings or farm contents, equipment, manufacturing or they either own, rent or occupy as guest house, backpacker or bed and production activities or for homes that are used primarily for business/commercial a tenant. breakfast accommodation, boarding purposes. home, private hotel, dormitory, nursing home, or any similar shared We do not cover any business stock, trade materials or business money. However, we do accommodation. cover tools of trade up to $10,000. See page 27 for full details. We do not cover your legal liability if the loss or damage was caused by or resulted from Contents kept in an unoccupied home. any business activity conducted at the insured address or elsewhere. See pages 48-49 for full details. We do not cover your legal liability if the loss or damage was caused by or resulted from any claim relating to workers’ compensation or employment, including discrimination, equal opportunity and unfair or wrongful dismissal. If you have colleagues or customers attending your home in person for meetings or any business purposes, you should consider arranging a separate public liability or small business insurance policy. sure-insurance.com.au 12 13  This product is appropriate for: This product is not appropriate for: This product is appropriate for: This product is not appropriate for: Accommodation Farming and agriculture activities Homeowners/landlords who rent out Any part of the home that is used or Residential homes on a farm property Farm or hobby farm buildings (except their property for long-term rental of occupied as a hotel, motel or boarding or or hobby farm property. for residential homes) or farm contents three months or more. guest house other than a home where only Roadside honesty box – farm gate or equipment. Homeowners/landlords who rent out one bedroom is being leased or rented to a fruit, veg, eggs and honey. only one room at the insured address paying tenant, guest or boarder. for short-term rental of three months Homeowners/landlords who rent out more Fitness and wellbeing or less including Airbnb or similar than one room of their property to two or Natural healing therapists, Non-therapeutic massage. online booking platforms. more unrelated tenants or paying guests. nutritionists, therapeutic Gym instructors, personal trainers where Homeowners/landlords who rent out more masseurs/ses, yoga instructor. your primary place of work is at the home. than one room of their property for short- Personal trainers where your primary Swimming instructors where your primary term rental of three months or less or for place of work is away from home. place of work is at the home. holiday letting, including Airbnb or similar online booking platforms. Individuals or entities associated with the Homeowners/landlords who rent out their sex industry or brothels. property and require additional rent Health and medical services default cover. Rented out holiday homes. Chiropractors, doctors, dentists, physiotherapists, psychologists. Beauty services Hospitality Hairdressers, makeup artists, nail Tattooists. technicians, spray tanners. Home baking in non-commercially Baking, café, catering, food manufacturing, Piercing services. equipped kitchen. restaurant, where your primary place of Childcare services Food truck where your primary place work is at the home. of work is away from home. Casual baby/child-sitting. Professional childcare center/services run from the home including professional IT and media after-school care. IT support, photographer, Commercial properties programmer, project manager, web designer. Cafés, restaurants, offices, shops, warehouses, workshops, run from Journalist, freelance writer. the home. Social media consultant. Display homes. Manufacturing Domestic services Cottage industry, costume jewellery, Cabinet makers, carpenters and wood Handyman, domestic cleaners. Commercial cleaners. cupcakes, jam, knitting, pottery. workers where your primary place of work is in a workshop at the home. Pet groomers, pet walkers, pet Pet walkers, pet minders for three or more minders for less than three pets at pets at any one time. Clothing, leather and textile manufacturing. any one time. Ammunition, guns. Upholsterers. sure-insurance.com.au 14 15  This product is appropriate for: This product is not appropriate for: SUMMARY OF IMPORTANT INFORMATION Professionals and consultants EXCLUSIONS FOR NEW POLICIES We do not insure you for any loss and damage caused by bushfire, storm or Accountants, architects, graphic Bookmakers. rainwater runoff (including cyclone), flood (including water runoff) earthquake or designers, home loan advisors, tsunami within the first 72 hours of your policy commencing unless: insurance agents, solicitors, barristers, your policy commenced immediately after another policy covering the same real estate agents, tax agents. property expired; or Repair and maintenance your policy was renewed without a break in cover; or Automotive repair and maintenance, Automotive repair and maintenance, you have just purchased the home. machinery repair and maintenance machinery repair and maintenance where where your primary place of work is your primary place of work is in a workshop For full details see the General Exclusions on pages 49-53. away from the home. at the home. COOLING-OFF PERIOD Trades Your cooling-off period ends 21 days after this insurance, or a renewal period begins. Builders, carpenters, electricians, Builders, carpenters, electricians, You can cancel your insurance within the cooling-off period, providing you have not gardeners, landscapers, lawn mowing gardeners, landscapers, lawn mowing made a claim on the policy, we will refund in full any money you have paid. workers, painters, plumbers, welders workers, painters, plumbers, welders where where your primary place of work is your primary place of work is at the home. You are also able to cancel your insurance cover after the cooling-off period. For full away from home. details see Cancellations on page 65. Tutors YOUR RESPONSIBILITIES Art, education or music tutors. Boxing or martial arts instructors. Your duty to take reasonable care not to make a misrepresentation Before you take out, renew or alter a policy of insurance with us, you have a duty to take Wholesale, retail and market stalls reasonable care not to make a misrepresentation when providing your answer to any question we may ask you in connection with the policy. E-commerce (e.g. eBay, Facebook). Ammunition dealers, manufacturers or Garage sales. repairers. Your duty to take reasonable care means you have an obligation to take reasonable care Gun dealers, manufacturers or repairers. to be honest, accurate and complete in your answers to every question we specifically Market stalls where your primary ask when you apply for, renew or alter your policy. place of work is away from home. Jewellers. Market stalls where your primary place of The information you tell us can affect: work is at the home. the amount of your premium; Professional stamp or coin dealers. whether we will insure you; and Retail stores. the application of any special conditions that apply to your policy. If you do not take reasonable care not to make a misrepresentation when answering our Please contact Sure Insurance or a Sure Authorised Broker if your business is run from questions, we may reduce a claim, refuse to pay a claim, cancel your policy or, if fraud is the home and does not appear on the list or has not previously been agreed to by us. involved, treat the policy as if it never existed. sure-insurance.com.au 16 17 More than one named insured the home ceases to be occupied for more than 90 days; If there is more than one named insured on your Certificate of Insurance, we will treat you commence building, construction, alterations, renovations or repairs at the a statement, act, omission, claim, request or direction (including to alter or cancel your insured address; policy) made by one of the named insureds as a statement, act, omission, claim, request you intend to demolish your home or have lodged an application to demolish your or direction by all the named insureds on your Certificate of Insurance. Each person is home or a government authority has issued a demolition order for your home; treated as a joint policyholder and can make any changes to the policy other than to a trespasser or an unauthorised person commences occupying your home; remove the name of another insured. you have been charged with or convicted of a criminal act or offence; or You must keep your home in good condition anything else that a reasonable person would regard as increasing the risk of loss, You must maintain your home and contents in good repair and condition to ensure they damage or injury occurring at the insured address. are watertight, structurally sound, secure and well-maintained, including but not limited What we will do when you contact us to ensuring: When you contact us and tell us about any changes to your policy, we may decide to: there are no external holes, loose, or missing roofing, mould, termite or white ant damage, rotted or rusted or broken areas of fence, roof, ceiling, floor or wall; charge an additional premium; there are no gutters, drains, water pipes or tiled areas that leak are blocked or impose an additional excess; or need repair; apply a special condition to your policy. all previous damage has been repaired; In some cases, we may decide to no longer insure you and will cancel your policy. locks and alarms are maintained in good working condition; We may communicate with you electronically via email or SMS using the contact details you take all reasonable care to prevent theft, loss and damage to the property you have provided to us. insured under your policy; and When changing the insured address your home complies with all applicable local government and/ or statutory requirements when construction, alteration or repairs are undertaken including When you permanently change your residential address within Australia, we will the driveway. continue to provide cover for any loss and damage to your contents caused by an insured event that occurs during the period of insurance at both your insured address Not meeting your responsibilities and your new address for up to 14 days from the date any of your contents first arrive If you do not meet your responsibilities, we may: at your new address. reduce your claim; The most we will pay for your contents at any or all locations is the contents sum insured refuse to pay your claim; or listed on your Certificate of Insurance. All conditions, limits and exclusions referred to in your policy apply to this cover. cancel your insurance policy. You must contact us before the expiration of 14 days from the date any of your contents Changes to your circumstances and other situations that require you to contact us first arrive at your new address to change your insured address if you want your contents You must tell us as soon as possible when any detail on your Certificate of Insurance is no cover to continue. If your contents have been located at your new address for more than longer accurate or complete, or certain events occur. For example: 14 days, all cover for your contents under this policy will end unless you have contacted there are changes to your email address, phone number or contact preferences; us to change your insured address and we have agreed to continue cover and you have paid us any extra premium we have requested. the insured address or the description of your home is incorrect; you purchase a new home; As Sure Insurance only offers home and contents insurance to policyholders in specific regions of Queensland, you will need to arrange alternative insurance if you no longer you start or intend to operate, or there is any change to, a business activity at the reside in one of those regions. insured address (see Business activity pages 14-16 for more details); you let/rent/lease your home to tenants whether full-time, short-term or casually and whether for reward or otherwise; you let/rent/lease more than one room at the insured address to two or more unrelated tenants or paying guests; sure-insurance.com.au 18 19  YOUR HOME SUMMARY OF IMPORTANT CLAIMS INFORMATION If home is shown on your Certificate of Insurance, we will cover you for loss and damage to your home as a result of an insured event occurring at the risk This summary lists some of the important information you should consider when making address shown on your Certificate of Insurance and during the period of insurance a claim with us. However, there are other things you should be aware of when making a including to: claim. For more details see pages 54-60. air conditioners that are permanently wired to the electricity supply; boat jetties and boat pontoons, mooring poles and their attachments and MAKING A CLAIM accessories that are located within the boundaries of the insured address or where It is important that you contact us as soon as possible after any loss and damage has part of their structure begins or terminates on the insured address; occurred. You must also take all reasonable steps to prevent any further loss and ceiling fans and ceiling exhaust fans; damage. For more details see pages 54-60. coverings fixed to ceilings, walls or floors; dishwashers that are housed in a purpose-built cupboard or bench; ESTABLISHING YOUR LOSS fixed aerials, satellite dishes and masts; You will be required to reasonably prove that an insured event covered by your policy has occurred and verify the extent of the loss and damage you have suffered. For more fixed barbecues; details see pages 54-60. fixed clotheslines; fixed electrical and gas appliances that are permanently wired or connected to the PROOF OF OWNERSHIP AND VALUE electricity or gas supply; We may ask you for proof of ownership or value of your home or contents in the event of fixed external blinds, shade sails and awnings; a claim. For more details see pages 54-60. fixed in-ground pools, fixed and built-in above-ground pools, fixed and built-in saunas, fixed and built-in spas, permanently attached hard pool covers, pump HOW CLAIMS ARE SETTLED motors, filters and any attachments that fit into the filters; Depending on the circumstances of your claim, we may decide to repair, replace or fixed light fittings; rebuild your home and/or contents as new or pay you the reasonable cost to repair, fixed solar panels and satellite dishes; replace or rebuild any home or contents damaged by an insured event. fixed water tanks; However, when an item cannot be replaced (such as a painting), we explain how we garages, carports, self-contained flats, sheds and fixed outbuildings; settle your claim on pages 54-60. garden borders, driveways, paths and paving; All policy limits and amounts in this Product Disclosure Statement include any insulation; compulsory government statutory charges, levies, duties, GST or other applicable taxes. pergolas, pagodas, decking and fixed gazebos; If we pay a claim, we will reduce the amount we pay to you by any Input Tax Credit (ITC) retaining walls; that you or any other person named in the policy is entitled to claim. service pipes and cables both above and below the ground that are located at your property and for which you are responsible; EXCESS sewerage storage tanks or treatment tanks permanently plumbed into your home; An excess is the amount you have to pay when you make a claim. Depending on the tennis courts; nature of your claim, you may be required to pay more than one excess. Your excess will unfixed home building materials and uninstalled home fittings; be applied after any applicable policy limit has been applied. verandas and balconies; and The excess or excesses that apply to your claim will depend upon the circumstances of walls, fences (limits apply) and gates that you own or are responsible for. the claim. For more details see pages 59-60. For landlord’s fixtures and fittings your home also includes your: fixtures and fittings; floor coverings and carpets; and light fittings, blinds and curtains. sure-insurance.com.au 20 21 WHAT IS NOT INSURED AS YOUR HOME where the fencing, gates, retaining walls and other walls are shared with a neighbouring property, we will pay you the reasonable costs to replace your The following items are not included or insured as your home under this damaged items up to a maximum of 50% of the repair or replacement cost, up insurance cover: to 1,000 metres and to a maximum of 10% of the home sum insured; anything defined as contents; garden and plants - up to $1,000 for any one event; any part of the home that is used for any business activity not previously agreed to landlord’s fixtures and fittings - up to 10% of the home sum insured; by us; removal of debris and rebuilding costs – up to 25% of the home sum insured for any any part of the home that is used or occupied as a hotel, motel or boarding or guest one event; house other than a home where only one bedroom is being let, leased or rented to replacement of locks – up to $1,000 for any one event; a paying tenant, guest or boarder; temporary accommodation – up to 18 months from the date of loss up to a aircraft, caravans, mobile homes, motor vehicles, tents, rail carriages, trailers, trams maximum of 10% of the home sum insured for any one event. or watercraft; If it is not possible to repair, rebuild or replace your home, we will pay you a cash sum up air conditioners that are not fixed or are attached within a window and are to the sum insured or policy limit, less any applicable excess. removeable; blinds, curtains or drapes; YOUR HOME SUM INSURED buildings under construction; carpets, rugs or floating floors; Your home sum insured is the amount you choose to cover your home. It is important that you choose a home sum insured that is sufficient to cover the likely cost to rebuild dams or reservoirs; your home as new if it is totally destroyed by an insured event such as a fire. farm buildings or structures; fixed or temporary dead-weight moorings, mushroom moorings or screw-in We recommend that when you decide on your home sum insured you moorings; should consider: glasshouses or greenhouses; the likely cost to rebuild your home based on the current cost of materials and labour and not rely only on your home’s market value; and inflatable or portable swimming pools, unfixed freestanding pools, unfixed freestanding spas or their accessories; any additional costs to rebuild your home to comply with current building laws, which may increase the total building costs. lawns (natural or artificial); To help you calculate a replacement value for your home, we provide you with a link to a the land your home is built on; Building Calculator, an initiative of the Insurance Council of Australia and which you can plants, trees, shrubs or hedges (unless covered as additional features under access via our website sure-insurance.com.au. Garden and plants. For more details see page 35); You can ask us to change your home sum insured at any time. It remains your loose or compacted soil, gravel, pebbles, rocks or granular rubber; and responsibility to regularly review your sum insured to make sure it provides the right any temporary homes or structures. amount of cover for your home. LIMITS FOR HOME COVER Automatic reinstatement of your home sum insured Following payment of a claim, other than for a total loss claim, your sum(s) insured will The maximum we will cover you for any one insured event resulting in a claim is remain unchanged unless you request otherwise. the sum insured shown on your Certificate of Insurance unless stated elsewhere in this policy. This includes: Increases to your home sum insured at renewal clean-up following death – up to $20,000 any one event; We will show your home sum insured on each Certificate of Insurance we issue. driveways, paths, paving and sealed roads – up to 500 metres and to a maximum of If we send you an offer to renew your policy, we will automatically increase the home 10% of the home sum insured; sum insured by the uplift rate to protect your sum insured against the effects of fencing, gates, retaining walls and other walls – up to 1,000 metres and to a increasing costs. maximum of 10% of the home sum insured: sure-insurance.com.au 22 23 However, the automatic increase we offer is not a representation by us that your home IF CONTENTS ARE INSURED IN A PROPERTY OF WHICH YOU sum insured is adequate to fully cover any loss and damage to your home. ARE THE LANDLORD AND THAT IS RENTED OUT, LANDLORD’S Although we will automatically offer you that increase in cover, you do not have to accept CONTENTS INCLUDES: it. You can also ask us to increase or decrease your home sum insured at any time. above-ground pools, spas and their pump motors, filters and any attachments that fit into the filters; YOUR CONTENTS carpets, floating floors and floor coverings; fixtures or fittings that do not form part of a home for insurance purposes; If contents is shown on your Certificate of Insurance, we will cover you for loss furniture, antique furniture and furnishings that are not built in; and damage to your contents or contents for which you are legally liable resulting household electrical appliances and light fittings that are not permanently wired to from an insured event occurring at the risk address shown on your Certificate of an electricity supply; Insurance during the period of insurance, including to: internal blinds, shutters and curtains; bicycles and their accessories; mobile dishwashers that are not fixed or plumbed in; carpets, floating floors and floor coverings; household electrical appliances and light fittings that are not permanently wired to clothing and personal effects; an electricity supply; fixtures or fittings in a residential flat, home unit, townhouse or villa that is owned or internal blinds, shutters and curtains; and occupied by you and that does not form part of a home for insurance purposes; mobile dishwashers that are not fixed or plumbed in. furniture and furnishings in your home office; furniture, antique furniture and furnishings; IF CONTENTS ARE INSURED IN A PROPERTY IN WHICH YOU ARE A household electrical appliances and light fittings that are not permanently wired to TENANT OR LOT OWNER OF A STRATA TITLE SCHEME: an electricity supply; Contents also includes any items that are permanently attached to the internal blinds, shutters and curtains; insured address and that you own and that are not covered by a strata title mobile dishwashers that are not fixed or plumbed in; property, including: motorbikes, motorised scooters, motorised trikes, trail bikes, mini-bikes, quad bikes, lino; motorised go-karts, all-terrain vehicles up to 250cc that do not require registration wooden floating floors; or compulsory third-party insurance; air conditioners and spas for the sole use of the owner or occupier; and motorised golf buggies or golf karts that do not require registration or compulsory fixtures owned by you as a tenant that are removable. third-party insurance; personal medical aids and mobility equipment, dentures, hearing aids, prescription WHAT IS NOT INSURED AS CONTENTS glasses, walking sticks and crutches; potted plants; The following items are not insured as contents or landlord’s contents under this remote-controlled models or toy aircraft, motor vehicles and watercraft; insurance cover: ride-on mowers and similar equipment that does not require registration or anything defined as home, but we will cover your contents that are insured in a compulsory third-party insurance; property that is not a unit and in which you are a tenant; surfboards, sailboards, canoes, kayaks and non-motorised surf skis; aircraft, watercraft, outboard motors or any of their spare parts or accessories other than remote-controlled models, toy aircraft or watercraft; unfixed freestanding above-ground pools, unfixed free standing spas and their pump motors, filters and any attachments that fit into the filters; bullion, nuggets, precious metal, unset precious or semi-precious gems unless they are used as or form part of jewellery; weapons, firearms and/or dangerous weapons registered and stored in accordance with all applicable state and federal legislation, and coupons, travel tickets, gift cards or pre-paid tickets of any kind; wheelchairs, motorised wheelchairs and mobility scooters. cryptocurrency; farm contents; sure-insurance.com.au 24 25  lawns (natural or artificial), trees, plants, shrubs or hedges in the ground; Collections, sets and memorabilia – up to $10,000 for any one event, including stamps, medical and mobility equipment used for any business activity; stamp collections, collectors’ pins, medals and currency no longer in circulation. This limit does not include current cash or currency. motor vehicles, caravans, mobile homes, trailers, tractors (other than remote- controlled model or toy motor vehicles) or any attached accessories; Computers and home office equipment – up to $10,000 for any one event for all pets, domestic animals or livestock; computer equipment, photocopiers, fax machines and home office equipment that you own or for which you are legally liable. shares, securities, bonds or negotiable instruments; stock or materials in trade; Computer software – up to $10,000 for any one event for all legally obtained computer software or electronic game software. unfixed home building materials or uninstalled home fittings; unlicensed, unregistered or illegally possessed firearms, and Contents in the open air – up to $3,000 for any one event. used or applied chemicals, fertilisers or pesticides. Credit card or ATM cover – up to $1,000 for any one event. Pot plants – up to $1,000 for any one event. LIMITS FOR CONTENTS COVER Jewellery or fur – up to $5,000 for any piece or set of jewellery, a watch or any fur but You may wish to specify certain contents that you believe have a replacement value not more than $10,000 for any one event. greater than the limits stated below for loss and damage: Removal of debris and rebuilding costs – up to 25% of the contents sum insured for in your home and referred to in your Certificate of Insurance as specified contents in any one event. the home; Replacement of locks – up to $1,000 for any one event. away from your home anywhere in Australia or New Zealand and referred to in your Certificate of Insurance as specified contents away from the home. Rugs – up to $2,000 for each hand-woven carpet or rug but not more than $10,000 for any one event. The maximum we will pay for any one claim arising from an insured event or accidental damage contents claim unless stated elsewhere in this PDS, is the sum Spoilage of refrigerated food, frozen food and medicines – up to $750 for any one insured shown on your Certificate of Insurance or: event with no excess if the loss is a direct result of a bushfire, cyclone or flood. Antiques, art and curios – up to $10,000 for each item or set of antiques, paintings, Temporary accommodation – up to 18 months from the date of loss up to a maximum pictures, works of art or curios but not more than $50,000 for any one event. This limit of 10% of the contents sum insured for any one event. does not apply to antique furniture, antique jewellery or antique watches. Temporary storage of undamaged contents – up to 18 months from the date of loss up Bicycles – up to $2,000 for any bicycle including its accessories (not cycling clothing), to a maximum of 10% of the contents sum insured for any one event. but not more than $10,000 for any one event. Tools of trade – up to $2,500 per item up to a maximum of $10,000 for any one event Cameras – up to $5,000 for any one event for all cameras, video cameras and for tools of trade, including medical, dental or health care equipment. Does not apply to photographic accessories. computers and home office equipment. Car parts – up to $500 for any one event for unattached accessories, spare parts or keys Unfixed building materials – up to $1,000 for any one event. for vehicles, caravans, watercraft or trailers. Theft of these items is only covered if they are in the home and the theft results from violent and forcible entry into the home. If you have paid for Optional Extra – unspecified contents away from home and this is shown on your Certificate of Insurance, we will pay the higher limit shown Cash – up to $500 for any one event including smart cards, phone cards, documents on your Certificate of Insurance for contents located anywhere in Australia or New able to be cashed or traded, vouchers, money orders or stamps at their face, or Zealand including at the insured address. issued value. If it is not possible to repair, rebuild or replace your contents, we will pay you a cash sum CDs, DVDs and digital media files – up to $5,000 for any one event including all CDs, up to the sum insured or policy limit less any applicable excess. DVDs, records, audiotapes, video tapes or legally obtained digital music or movie files purchased online (for example, via the iTunes Store). sure-insurance.com.au 26 27 YOUR CONTENTS SUM INSURED INSURED EVENTS - Your contents sum insured is the amount you choose to cover your contents. It is WHAT YOU ARE COVERED FOR important that you choose a contents sum insured that is sufficient to cover the likely If home and/or contents is shown on your Certificate of Insurance, we will cover you for cost to replace your contents as new if they are totally destroyed by an insured event the following specified events. such as a fire. To help you calculate a replacement value for your contents, we provide you with a link BURGLARY, THEFT OR ATTEMPTED THEFT to a Contents Calculator, an initiative of the Insurance Council of Australia and which you can access via our website sure-insurance.com.au. Any loss and damage caused as a result of burglary, theft or attempted theft. You can ask us to change your contents sum insured at any time. It remains your But, we will not cover you for any loss or damage caused by: responsibility to regularly review your sum insured to make sure it provides the right theft or attempted theft by you or any person who permanently or temporarily amount of cover for your contents. resides in the home; theft or attempted theft by a person who, without the use of violence or forced Automatic reinstatement of your contents sum insured entry, entered your home with your expressed or implied consent, including a Following payment of a claim, other than for a total loss claim, your sum(s) insured will boarder, a member of your family or a tenant; remain unchanged unless you request otherwise. theft without the use of violence or force where entry was gained from a common Increases to your contents sum insured at renewal area of a multiple occupancy residence such as a flat, boarding house, hostel, unit, townhouse or motel. We show your contents sum insured on each Certificate of Insurance we issue. If we send you an offer to renew your policy, we will automatically increase the contents BURGLARY OR THEFT BY A TENANT OR THEIR GUEST sum insured by the uplift rate to protect your sum insured against the effects of Any loss and damage caused as a result of burglary or theft by your tenant or increasing costs. their guest. However, the automatic increase we offer is not a representation by us that your contents Note: A $2,000 excess applies in addition to your standard excess for a claim for sum insured is adequate to fully cover the loss and damage to your contents. burglary or theft by your tenant or their guest. Even though we automatically offer you that increase in cover, you do not have to accept But, we will not cover you for any loss or damage caused by a tenant or their guest: it. You can ask us to increase or decrease your contents sum insured at any time. to the home if you do not have home cover, or to contents if you do not have contents cover; or if we have accepted a previous claim for this insured event in relation to the same tenant or guest during the same period of insurance. CLEAN-UP FOLLOWING DEATH Any clean-up of loss and damage caused as a result of death whether natural, suicide or murder. The maximum we will pay for any clean-up of loss and damage as a result of death is $20,000 for any one event. sure-insurance.com.au 28 29 CONTENTS IN THE OPEN AIR