Manufactured Homes Accidental Damage Policy Benefits

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

Provides cover for Manufactured Homes built after 1990 against:

$20,000,000 legal liability

• if you live in your home building we cover your liability anywhere in Australia
• if you do not live in your home 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 home 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 including

• wine spilt on your carpet
• coffee spilt on your computer or other electronic devices
• breakage of glassware, porcelain, china, crystal and mirrors whilst in use or being carried by hand
• dropping a DVD player whilst carrying from one room to another

Cost of Relocation

• if the park is forced to close due to enforcement of a local government ordinance or 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

• the cost to repair damage caused by water escaping from a burst pipe or hot water service
• the cost to repair damage caused by an overflowing sink or washing machine

Fire damage

• the cost to repair damage caused by smoke and water

Mechanical/Electrical Breakdown

• not just limited to fusion this section covers full electrical and mechanical breakdown including gas leak in refrigeration units
• the full cost to repair building or contents items e.g. air conditioners, fridges/freezers under 10 years old (no depreciation)

Personal Portable Valuables

• we will cover personal items away from your home if requested

Removal of Debris

• we pay the cost to remove debris from your site after your home is damaged
• no policy limit

Replacement of external locks & keys

• we pay the cost to replace the locks & the keys which fit them if your keys are stolen from your home

Storm, Hail or Lightning damage

• damage to your property caused by falling trees
• the cost to remove the tree from your site
• damage to TV aerials or masts and satellite dishes, gates & fences
• damage caused by storm/rain water seeping through walls, roofs or floors
• hail damage to external paintwork

Theft or Malicious damage

• 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