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.
Listed Events Base provides comprehensive cover for a series of listed events as well as options to specify items for cover away from the home. Listed Events Base covers:
Excludes damage to a heating element and damage that occurs gradually and/or out of repeated exposure to smoke or fire.
Excludes damage caused by power surges and power failures.
Excludes damage sustained more than seventy-two (72) hours after the earthquake. You have to pay an earthquake excess or the excess shown on your policy schedule (whichever is higher).
Cyclone
FLOOD / STORM /ESCAPE OF LIQUID
Covers fixed glass, fixed shower bases, basins, sinks, spas, baths, toilets, chandeliers and pendant lights. Excludes damage caused by animals and insects.
Excludes damage caused by you, your family or a tenant.
Lightning
Excludes theft by anyone who entered your home with consent (unless there are signs of forcible and violent entry), or by a tenant.
Excludes damage caused by erosion, by water entering your home because of a structural defect, faulty design or faulty workmanship when your home was constructed, or through an opening made for any works. Excludes damage to the item from which the liquid escaped. Excludes gradual process of leaking or dripping.
The most comprehensive level of protection providing cover for your home and/or contents that are accidentally destroyed lost or damaged with higher limits on all additional covers and benefits.
Excludes damage to a heating element.
You have to pay an earthquake excess or the excess shown on your policy schedule (whichever is higher).
Excludes theft by you, your family or a tenant.
Excludes damage caused by rats, mice, insects or defects.