Home Only
Your Home 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 coveroffered, 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 | |||
---|---|---|---|
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 |
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 | ![]() Up to $2,000 |
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 |
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 | ![]() Up to $1,250 |
Television/ Radio Antenna or Mast | ![]() Up to $1,000 | ![]() Up to $1,000 | ![]() |
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 |
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 $20,000,000 | ![]() Up to $20,000,000 |
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 |