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What do Budget Direct home and contents insurance policies cover?
Budget Direct offers home insurance, contents insurance and combined home and contents insurance.
Home Building Insurance
Budget Direct says its home insurance is designed to protect your home against loss or damage caused by events such as fire, severe weather, theft and vandalism. Coverage includes your house, garage, carports, fixed swimming pools and other domestic outbuildings. Budget Direct also currently offers 15% off your first year’s premium for a new policy when purchased online.
Features of Budget Direct home insurance include cover for:
- A range of insurance events including storm, fire, theft, explosion, malicious damage and more
- Breakage of glass, ceramic and sanitary fixtures
- Temporary accommodations for both family and pets
- Removal of debris and extra costs associated with rebuilding
- Legal liability for death, injury or damage to someone else’s property caused by an incident at the insured address
- Mortgage discharge costs
Contents Insurance
Budget Direct says its contents insurance is designed to protect the belongings inside your home, such as furniture, appliances and computers from events including fire, storm, theft and vandalism. Budget Direct also currently offers 15% off your first year’s premium for a new policy when purchased online.
Features of Budget Direct’s contents insurance include cover for:
- A range of insured events including storm, fire, theft, explosion, malicious damage and more
- Replacement of locks and keys
- Food spoilage
- Damage or loss to contents during your move to a new address in Australia
- Visitor’s uninsured contents
Combined Home and Contents Insurance
Budget Direct home and contents insurance offers all of the above benefits and inclusions of both home insurance and contents insurance in a combined package. At the time of writing, Budget Direct says policyholders are eligible for a 30% discount off their first year’s premium for a new combined policy when purchased online (15% combined + 15% online).
Optional Features
Budget Direct offers a number of optional cover policies for those willing to customise their Home and Contents insurance. Additional premium options include:
- Flood cover
- Accidental damage
- Personal effects cover for items you take out of your home
- Motor burnout
- Sum insured safeguard – if nominated sum insured is insufficient, it will be increased by up to 25%
How do I apply for a Budget Direct home and contents insurance policy?
To apply for a Budget Direct home and contents insurance policy, you can get a quote from Budget Direct by either calling them directly, or requesting one online via their website. At the time of writing, Budget Direct says that if you get a quote online you will receive a discount of up to 30% for your first year’s premium for a new combined policy (conditions apply).