Home Owners Defined Events Policy Benefits

(Please refer to policy wording for any limits that may apply)

Provides cover for homes:

$20,000,000 legal liability

• if you live in your building we cover your liability anywhere in Australia
• if you do not live in you building we cover your liability in the building and anywhere in the park if you are not insured under another policy
• if you do not live in you building we cover your liability in the building if you are insured under another policy
• we cover your legal liability if you baby-sit children
• we cover your legal liability imposed under most site agreements

Accidental Damage

• to fixed glass forming part of the building

Agreed Value

• if we agree, no depreciation to apply to any building repairs

Burglary or Malicious damage

• contents stolen from your hard or soft annexe
• the cost to repair any damage caused by thieves
• theft of items temporarily removed from the building eg: if you are staying in a holiday house or motel
• theft in the open air

Cost of Relocation

• if the park is forced to close due to enforcement of a local government ordinance bankruptcy of the owner of the park we will contribute towards the cost of relocating your home to another park

Delivery & Installation Costs

• we pay the cost to bring a new home into the park if your home is destroyed

Escape of water or liquid from fixed systems within your home

• the cost to repair damage caused by water escaping from a burst pipe or hot water service

Fire damage

• the cost to repair damage caused by smoke and water

Fusion of electric motors

• the full cost to repair burnt out motors under 10 years old

Impact by air or space craft, road vehicles, boats or animals

• including anything dropped or falling from the air or space craft

Loss of rent or the cost of temporary accommodation

• up to 10% of the building sum insured

Personal Portable Valuables

• we will cover personal items away from the insured property if requested

Removal of Debris

• we pay the cost to remove debris from your site after your home is damaged

Riot or Civil Commotion, Earthquake, Explosion

• the cost to repair damage caused by earthquakes over a 72 hour period as one event

• the cost to repair damage caused by exploding gas bottles

Storm, Lightning or Hail damage

• damage your property caused by falling trees
• the cost to remove the tree from your site
• damage to TV aerials or masts, satellite dishes, gates & fences
• hail damage to external paintwork