Home and Contents

Covering your building and personal belongings

Your Home and Contents Insurance Benefits at a glance

This benefits summary is intended to provide a snap shot of the policy coverage available through Brees. It provides a description of risks that are covered, those that are not covered, including additional benefits and optional covers. It does not provide a complete statement of the cover offered, any exclusions under the policy, or conditions and/or all limits that may apply under each type of Cover. You should carefully read the Product Disclosure Statement (PDS) and all policy documentation for full details.

Policy Coverage
Basic
Listed Events
Accidental Damage
Accidental destruction, loss or damage

Accidental Damage covers any loss or damage that is not specifically excluded under the policy along with any Additional Benefits noted below
Listed events:

Basic covers those events listed (or defined) in the policy along with any Additional Benefits noted below

Listed Events covers those events listed (or defined) in the policy along with any Additional Benefits noted below
Smoke
Fire
Storm
Lightning/Thunderbolt
Flood
Rainwater
Hail
Wind
Landslide
Earthquake and Tsunami
Explosion
Vandalism or Malicious
Riots or Civil Commotion
Escape of Liquid
Burglary or Housebreaking
Theft
Broken Glass
Motor Burnout
Accidental Breakage
Impact by Aircraft/Spacecraft
Impact by Falling Tree
Impact by Falling TV/Antenna
Impact by any animal/ Bird
Impact by Vehicles ? Watercraft
Power Surge
Flood
Storm Surge

Covered if caused by another listed event

Covered if caused by another listed event
Tsunami

Covered if loss occurs within 72 hours

Covered if loss occurs within 72 hours

Covered if loss occurs within 72 /hours
Landslide or Subsidence (if caused by storm, flood, earthquake, tsunami, explosion or escape of liquid from a pipe)

Covered if loss occurs within 72 hours

Covered if loss occurs within 72 hours

Covered if loss occurs within 72 hours
Contents in the open air at insured address

Up to greater of $5,000 or 8% of general contents sum insured

Up to greater of $5,000 or 8% of general contents sum insured

Up to the general contents sum insured
Contents in commercial storage

Up to general contents sum insured (exclude jewellery, money or negotiable instruments)

Up to general contents sum insured (exclude jewellery, money or negotiable instruments)
Contents away from the insured address

Limited cover anywhere in Australia up to 90 consecutive days up to 25% of the general contents sum insured

Limited cover anywhere in Australia up to 90 consecutive days up to 25% of general contents sum insured

Anywhere in Australia/New Zealand, anywhere in the rest of the world for up to 180 consecutive days.
Jewellery and watches (Unspecified)

Up to $1,000 per item, $10,000 in total

Up to $5,000 per item, up to 25% of sum insured

Up to $10,000 per item, up to 25% of sum insured
Collections, sets and memorabilia

(Unspecified)

Up to $1,000, up to $5,000 per collection, $10,000 total

Up to 25% of sum insured, up to $5,000 per collection, $10,000 total

Up to 25% of sum Insured, $10,000 any one item
Artworks

Up to general contents sum insured

Up to general contents sum insured

Up to general contents sum insured
Tools of Trade at situation

Up to $5,000

Up to $5,000

Up to $7,500
Money, bullion and negotiable instruments

Up to $1,200 and up to $1,000 for guests/ visitors/ employees

Up to $1,200 and up to $1,000 for guests/visitors/ employees

Up to $1,500 including guests/visitor/employees
Unattached accessories and spare parts

Up to $1,500 per item and $2,500 total

Up to $1,500 per item and $2,500 total

Up to $2,000 per item and $4,000 total
Handwoven carpets and rugs

Up to general contents sum insured

Up to general contents sum insured

Up to general contents sum insured
Contents in Transit to a new address



Contents at your new address

Up to 45 days

Up to 45 days

Up to 45 days
Contents of Invited Guests

Up to $5,000

Up to $5,000

Up to $5,000
Storage of Undamaged Contents

Reasonable costs for up to 12 months

Reasonable costs for up to 12 months

Reasonable costs for up to 12 months
Optional Covers Contents
Specified valuable items
Optional
Optional
Optional
Specified portable items
Optional
Optional
Unspecified portable items
Optional - $1,000 per item, $5,000 total
Optional - $1,000 per item, $5,000 total
Additional Benefits
Sum insured safeguard / safety net


Up to 30% of buildings sum insured

Up to 30% of buildings sum insured
Sum Insured Uplift during policy period

0.5% increase per month

0.5% increase per month

0.5% increase per month
Removal of Debris

Reasonable costs

Reasonable costs

Reasonable costs
Removal of Trees

Following an impact

Following an impact

Following an impact
Mortgagee Discharge Costs



Architect/Surveyor/Engineer - Rebuilding fees

Reasonable costs

Reasonable costs

Reasonable costs
Meeting Building Regulations

$25,000

$25,000

$25,000
Temporary Accommodation for Home Owners

Up to 10% of buildings sum insured

Up to 20% of buildings sum insured

Up to 20% of buildings sum insured
Plants, Trees and Shrubs

Up to $1,000 per item, $5,000 in total

Up to $1,000 per item, $5,000 in total

Prevention of further loss or damage

Reasonable costs

Reasonable costs

Reasonable costs
Locating the source of escaped liquid


For specified events

For specified events

Replacing Certificate of Title

Up to $2,000

Up to $2,000

Replacing Important Documents

Up to sum insured

Up to sum insured
Building Materials

Up to $2,000

Up to $2,000
Environmental Improvements

Up to $5,000

Up to $5,000
Counselling following Fire / Theft

Up to $1,000
Fatal Injury Benefit

Up to $15,000

Up to $15,000

Up to $15,000
Paraplegia, Quadriplegia or Permanent Disablement

Up to $15,000

Up to $15,000
Modifications to the Home following an Injury

Up to $25,000

Up to $25,000
Motor Burnout

Less than 7 years old

Less than 15 years old

Less than 15 years old
Pet Cover


Up to $1,000

Up to $1,000
Pet Relocation / Accommodation

Up to $1,000

Up to $1,000
Keys and Locks Replacement

Up to $1,250

Up to $1,250

Reasonable costs
Food and Medication Spoilage



Television/ Radio Antenna or Mast

Up to $1,000

Up to $1,000

Identity Theft

Up to $5,000
Credit Card Fraud

Up to $5,000

Up to $5,000

Up to $5,000
Tax Audit

Up to $5,000

Up to $5,000

Up to $5,000
Security Attendance Fees

Up to $1,250

Up to $1,250

Up to $2,500
Fire Brigade Attendance Fees

Up to $500

Up to $500
Money / Negotiable Instruments of Invited Guests

Up to $1,000

Up to $1,000

Up to $1,500
Denial of Access

Reasonable costs up to 60 days

Reasonable costs up to 60 days

Reasonable costs up to 60 days
Un-Occupancy Period

Up to a continuous period of 90 days

Up to a continuous period of 90 days

Up to a continuous period of 100 days
Loss or Damage caused by Defects or Faulty Design



Buildings undergoing Renovations, Construction or Alteration


Up to $100,000

Up to $100,000

Up to $100,000
Additional Cover – Accidental Damage

$5,000 Excess applies

$5,000 Excess applies

Standard Excess applies
Legal Liability Cover
Legal Liability Cover

Up to $20,000,000

Up to $30,000,000

Up to $30,000,000
Legal Liability for Committee Members of Sporting Clubs

Up to $10,000

Up to $10,000
Expenses incurred in Attending Court

Up to $250/day, $5,000 in total

Up to $250/day, $5,000 in total

Up to $250/day, $5,000 in total

Download PDF
Home and Contents Policy Document – Product Comparison (199.93KB)

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YOUR DUTY OF DISCLOSURE

Before you enter into a Contract of general insurance with an Insurer, you have a duty under the Insurance Contracts Act 1984 to disclose to the Insurer every matter that you know, or could reasonably expect to know, is relevant to the Insurer’s decision whether to accept this risk of Insurance, and if so, on what terms. You have the same duty to disclose those matters to the Insurer before you renew, extend, vary or reinstate a Contract of general insurance. Your duty however does not require disclosure of matter:

  • that diminishes the risk to be undertaken by the Insurer;
  • that diminishes the risk to be undertaken by the Insurer;
  • that is common knowledge;
  • that your insurer knows or, in the ordinary course of business, ought to know; as to which the compliance with your duty is waived by the Insurer.

NON-DISCLOSURE

If you fail to comply with your duty of disclosure, the Insurer may be entitled to reduce the liability under the Contract in respect of a claim or may cancel the Contract. If your non-disclosure is fraudulent, the Insurer may also have the option of avoiding the Contract from its beginning.

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Please read our Financial Services Guide to help you make an informed decision about whether to use the financial services we offer.

Please read the relevant Product Disclosure Statement for full details before deciding about the right cover for you.

If you are not fully satisfied with our services, you should contact our Complaints Officer on 1300 949 834. Brees Insurance Pty Ltd, ABN 49 150 657 113 as an authorised representative of PSC Insurance Brokers (Aust), are members of the Australian Financial Complaints Authority; a free service, and follow the principles of the Insurance Brokers Code of Practice. Further information is available from our office. You can contact AFCA directly on 1800 931 678.

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