Home Only
Covering your building only
Defined Events or Full Accidental Damage Cover
Sum Insured Safety Net should Costs Escalate (up to 30%)
Cover for Plants, Trees, Shrubs
Removal of Debris
Automatic Flood Cover
Mortgagee Discharge Costs
Fatal Injury Benefit
Modifications to the Home
Tax Audit
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 |
Download PDF
Home Only Policy Document – Product Comparison (175.44 KB)
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