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
	VIEW PDS	VIEW PDS	VIEW PDS
	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

Excludes damage to a heating element and damage that occurs gradually and/or out of repeated exposure to smoke or fire.

LIGHTNING

Excludes damage caused by power surges and power failures.

EARTHQUAKE

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).

THEFT / BREAK IN / VANDALISM

Excludes damage to a heating element and damage that occurs gradually and/or out of repeated exposure to smoke or fire.

Cyclone

CYCLONE

Cyclone

FLOOD / STORM /ESCAPE OF LIQUID

ACCIDENTAL GLASS BREAKAGE

Covers fixed glass, fixed shower bases, basins, sinks, spas, baths, toilets, chandeliers and pendant lights. Excludes damage caused by animals and insects.

MALICIOUS DAMAGE

Excludes damage caused by you, your family or a tenant.