1300 Insurance Home & Contents Insurance
What do the home and contents insurance policies of 1300 Insurance cover?
1300 Insurance offers home insurance, contents insurance, and combined home and contents insurance. At the time of writing, 1300 Insurance provides a 10% discount when you combine home and contents insurance in one policy.
1300 Insurance says you can choose from three levels of cover:
- Vital – provides protection if someone breaks into your home and steals your items or if your possessions are damaged by a disaster such as a storm, fire or earthquake.
- Classic – in addition to what is covered by Vital home insurance, Classic home insurance includes some higher policy limits and extra cover including motor burnout.
- Prestige – provides cover for accidental loss or damage to your possessions and a higher level of legal liability cover.
Home Building Insurance
1300 Insurance’s Home Insurance policy covers you for:
- All permanent fixtures of your home, including external fixtures such as in-ground pools, window awnings, decks and fences
- Natural disasters and extreme weather, including fire or storm damage
- Vandalism, theft and optional accidental damage cover
- Legal liability cover
- Costs of demolishing unsafe buildings, removing debris and temporary accommodation in the event of an emergency
- Optional landlord cover if you rent your home out to tenants
- Optional Sum Insured Safeguard, which extends your covered amount by up to 25% if your current Sum Insured is insufficient
Contents Insurance
1300 Insurance’s Contents Insurance policy covers you for:
- Protection for contents anywhere on your property, including outdoor furniture, tools and pot plants
- Natural disasters, including earthquakes, storms, lightning strikes and fires
- Theft, vandalism and falling damage
- Accidental glass breakage
- Lock replacement in the event of stolen keys
- Insurance against fraud in the event of your credit card(s) being stolen
Home and Contents Insurance
1300 Insurance’s Home and Contents Insurance covers you for all of the above scenarios in one combined package.
For a complete list of policy inclusions and exclusions, make sure to read the Product Disclosure Statement (PDS).