| Additional Benefits |
Home Cover |
Home Cover Prestige |
| Building Sum Insured Safeguard |
Up to 30% more than your sum insured |
Up to 30% more than your sum insured |
| Environment Upgrades to your Building |
$2,500 |
$2,500 |
| Environmental upgrades to your contents |
$500 per item up to a maximum of $2,500 |
$500 per item up to a maximum of $2,500 |
| Fusion |
$2,000 |
Reasonable costs |
| Food spoilage |
$500 |
Reasonable costs |
| Temporary accommodation costs |
12 months or 10% of the building sum insured |
10% of the building sum insured |
| Mortgage discharge(in the event of a total loss) |
|
|
| Extra costs of reinstatement (in the event of a total loss) |
|
|
| Legal defense costs |
$2,500 |
$5,000 |
| Taxation audit |
$2,500 |
$5,000 |
| Forced evacuation |
60 days |
60 days |
| Trees, shrubs and plants |
$1,500 in total |
$3,000 in total |
| Replacement of keys and locks |
$2,500 |
$2,500 |
| Essential temporary repairs |
$500 for repairs to your building and $200 for repairs to your contents |
$500 |
| Compensation for death |
$5,000 |
$10,000 |
| Building materials |
$2,000 |
$2,000 |
| Building costs |
|
|
| Cover when you move sites |
30 days |
30 days |
| Contents being conveyed to new residence |
|
|
| Accessories, appliance or spare parts |
$1,000 per item up to $2,000 in total |
$1,000 per item up to $2,000 in total |
| Guest's property |
$5,000 |
10,000 |
| Contents temporarily removed |
Yes - limited |
Yes - worldwide |
| Credit card |
$2,500 |
$5,000 |
| Veterinary expenses |
$500 |
$750 |
| Identity theft |
$5,000 |
$5,000 |
| Monitored alarm attendance |
$1,000 |
$1,250 |
| Cover when you move sites |
$1,000 |
$1,000 |
| Contents being conveyed to new residence |
|
|
| Optional Benefits |
|
|
| Domestic Workers Compensation (some states)** |
– Optional |
– Optional |
| Extended cover for contents in storage |
– Optional |
Automatically covered (under contents temporarily removed benefit) |
** Available in ACT, TAS & WA only for an additional cost
How you can save
With ISinsured there are various ways to enjoy discounts on your premium.
Security discounts - The more secure your property is – through deadlocks, window locks, and either local or monitored alarms – the less you may have to pay
Household no claim bonus - Continue to earn No Claim Bonus discount, up to our maximum level, the more years you go without making a claim.
Seniors discount - If any named Policyholders are over age 50, you are entitled to the over 50s discount.
Multi-policy discount - Once you have one ISinsured insurance policy with us, we’ll give you a discount on each additional ISinsured policy.#
A choice of Excess - Your excess is the initial amount you have to pay yourself if you make a claim, and we offer options of nil excess, $100, $250, $300, $400, $500, $750, $1,000, $2,500, $5,000, $7,500 and $10,000. The higher excess you choose, the lower the premium you’ll pay.
Retirees Discount - If you’re retired and no longer working more than 20 hours a week your premium will reflect the lower-risk nature of your circumstances.
From applying for cover to making a claim, ISinsured ensures things are as clear and straightforward as possible.
You can apply online or by phone. Flexible payment options include fortnightly, monthly or annual direct debit or credit card payments (excluding Diners Club).
If you need to make a claim QBE has a 24-hour emergency claims number, and in most cases, you simply provide details over the phone.