Home and Contents Insurance

Home And Contents Insurance - Protecting Your Home And Everything Inside It

IAL has a range of products with flexible options designed to meet your needs and protect your home and your belongings. Choose cover for building or contents only, or combine the two into one single policy.

Choose from IAL three levels of Home and Contents Insurance
  Accidental Damage Listed Events Listed Events Base
 
  Accidental loss or damage
Accidental loss or damage ✔ Cover only at the site with $5000 excess applied ✔ Cover only at the site with $5000 excess applied
  Flood
Flood
  Fire and Explosion including Bushfire
Fire and Explosion including Bushfire
  Defined Events including Storm, Earthquake, Lightning, Theft and Burglary, Impact and Escape of Liquid
Defined Events including Storm, Earthquake, Lightning, Theft and Burglary, Impact and Escape of Liquid
  Accidental Breakage including Glass, basins, toilets, shower bases
Accidental Breakage including Glass, basins, toilets, shower bases ✔ Excluding TV's and Monitors or item being cleaned or carried by hand ✔ Excluding TV's and Monitors or item being cleaned or carried by hand
  Electrical Motor Burnout
Electrical Motor Burnout ✔ Up to 15 years old ✔ Up to 15 years old ✔ Up to 7 years old
  Temporary Accommodation - We will pay the cost of temporary accommodation in addition to the sum insured
Temporary Accommodation - We will pay the cost of temporary accommodation in addition to the sum insured ✔ Up to 20% of Building Sum insured ✔ Up to 10% of Building Sum insured ✔ Up to 10% of Building Sum insured
  Damage to trees, plants, shrubs (excluding weather-related) events
Damage to trees, plants, shrubs (excluding weather-related) events ✔ Limit $5000 ✔ Limit $5000
  Fire Brigade Service Charges - To attend and protect against an actual fire or other emergency up to $500
Fire Brigade Service Charges - To attend and protect against an actual fire or other emergency up to $500
  Pet Veterinary Expenses - If your pet is injured or killed as a result of a road accident, fire, lightning, earthquake, burglary or attempted burglary up to $1000
Pet Veterinary Expenses - If your pet is injured or killed as a result of a road accident, fire, lightning, earthquake, burglary or attempted burglary up to $1000
  Liability Cover for injury or damage
Liability Cover for injury or damage ✔ Up to $30M ✔ Up to $30M ✔ Up to $20M
  Unattached building materials up to $2000
Unattached building materials up to $2000
  Building Modifications following serious Injury as a result of loss or damage to Building and the injury results in permanent paraplegia or quadriplegia up to $25,000
Building Modifications following serious Injury as a result of loss or damage to Building and the injury results in permanent paraplegia or quadriplegia up to $25,000
  Environmental Upgrade following total loss - benefit additional to Building Sum Insured up to $5000
Environmental Upgrade following total loss - benefit additional to Building Sum Insured up to $5000
  Building Sum Insured Safeguard - If the cost of repairing or replacing the Building exceeds the Sum Insured up to 30%
Building Sum Insured Safeguard - If the cost of repairing or replacing the Building exceeds the Sum Insured up to 30%
  Unauthorised use of Credit or Financial Card (including stored value card) up to $5000
Unauthorised use of Credit or Financial Card (including stored value card) up to $5000
  Contents temporarily removed
Contents temporarily removed ✔ Anywhere in Australia or New Zealand and up to 180 days elsewhere in the world ✔ Up to 25% of the contents sum insured up to 180 days within Australia ✔ Up to 25% of the contents sum insured up to 180 days within Australia
  Jewellery and Watches, Items containing Silver or Gold, or collections of Stamps, Money or Medals - Cover can be extended by listing the item as a Specified personal valuable item
Jewellery and Watches, Items containing Silver or Gold, or collections of Stamps, Money or Medals - Cover can be extended by listing the item as a Specified personal valuable item ✔ Up to $10,000 per item, set or collection and up to 25% of the contents sum insured ✔ Up to $5,000 per item, set or collection and up to 25% of the contents sum insured ✔ Up to $1,000 per item, set or collection and up to $10,000 in total
  Pay by the month
Pay by the month
Terms and conditions apply to all cover types so please review the PDS for full terms and conditions.

PDS Downloads

FIRE / EXPLOSION / SMOKE
FIRE / EXPLOSION / SMOKE

LIGHTNING

LIGHTNING
 

EARTHQUAKE

EARTHQUAKE
 
THEFT / BREAK IN / VANDALISM
THEFT / BREAK IN / VANDALISM

Cyclone

CYCLONE
 
FLOOD / STORM /ESCAPE OF LIQUID
FLOOD / STORM /ESCAPE OF LIQUID
ACCIDENTAL GLASS BREAKAGE
ACCIDENTAL GLASS BREAKAGE
MALICIOUS DAMAGE
MALICIOUS DAMAGE
FIRE / EXPLOSION / SMOKE
FIRE / EXPLOSION / SMOKE
LIGHTNING
LIGHTNING
EARTHQUAKE
EARTHQUAKE
THEFT / BREAK IN / VANDALISM
THEFT / BREAK IN / VANDALISM
CYCLONE
CYCLONE
FLOOD / STORM /ESCAPE OF LIQUID
FLOOD / STORM /ESCAPE OF LIQUID
ACCIDENTAL GLASS BREAKAGE
ACCIDENTAL GLASS BREAKAGE
MALICIOUS DAMAGE
MALICIOUS DAMAGE
FIRE / EXPLOSION / SMOKE
FIRE / EXPLOSION / SMOKE
LIGHTNING
LIGHTNING
EARTHQUAKE
EARTHQUAKE
THEFT / BREAK IN / VANDALISM
THEFT / BREAK IN / VANDALISM
CYCLONE
CYCLONE
FLOOD / STORM /ESCAPE OF LIQUID
FLOOD / STORM /ESCAPE OF LIQUID
ACCIDENTAL GLASS BREAKAGE
ACCIDENTAL GLASS BREAKAGE
MALICIOUS DAMAGE
MALICIOUS DAMAGE