Australia Post Home Insurance
Australia Post Home and Contents Insurance: cover for homeowners, renters and landlords.
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In addition to its mail service, the Australia Post brand offers insurance products to cover your car, travels and home and contents. Read on to find out whether home and contents insurance from Australia Post is right for you.
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Australia post home insurance cover options
Australia Post offers three home insurance cover options: Home Insurance, Contents Insurance and Home and Contents Insurance. Each of these policies is underwritten by QBE and provides protection for your home and possessions against a wide range of risks. They also offer Landlord Insurance.
Australia Post Home Insurance
Australia Post Home Insurance provides cover for your residential building, which can include your house, garage and other permanently fixed structures.
Australia Post Contents Insurance
Australia Post Contents Insurance covers household goods and personal effects that you own or are legally responsible for and that are in your home. This type of policy is ideal if you are renting or live in a property owned by strata so only need cover for your belongings.
Australia Post Home and Contents Insurance
Australia Post Home and Contents Insurance combines the cover of the above two policies into one comprehensive package.
Australia Post Landlord Insurance
Australia Post Landlord Insurance protects your investment property from a number of events including damage, legal liability, loss of rent and more. It covers fire, explosion, burnout of electric motors, theft, vandalism and more.
How do the policy options compare?
Here's an overview of the home and contents insurance policies Australia Post offers.
|Cover available||Home only||Contents only||Home and contents|
|Building repair or replacement|
|Legal Liability||Up to $30 million||Up to $30 million||Up to $30 million|
|Temporary accommodation||Up to 24 months||Up to 24 months|
|Natural disasters (e.g. earthquakes and tsunamis)|
|Extreme weather (like storms and floods)|
|Damage from water that has escaped, such as a burst pipe|
|Broken glass (accidental)|
|Vandalism or malicious acts|
|Burnout of electric motors|
|Security upgrades after a burglary||Up to $500||Up to $500|
|Replacement locks||Up to $2,500||Up to $2,500||Up to $2,500|
|Environmental upgrades||Up to $2,500||Up to $2,500||Up to $2,500|
|Lost data or software||Up to $1,000||Up to $1,000||Up to $1,000|
|Emergency services attendance||Up to $500||Up to $500||Up to $500|
|Mortgage discharge||Up to $2,000||Up to $2,000|
|Spoilage of perishable food or medicine||Up to $500||Up to $500|
|Cover when you move house||Up to 60 days||Up to 60 days|
|Carpets, curtains and other contents items included in the purchase of a house||Up to $20,000||Up to $20,000|
|Damage by emergency services|
|Portable contents cover away from home, for items such as mobile phones and bicycles||Optional||Optional||Optional|
What additional benefits are available with Australia Post Home and Contents Insurance?
You can upgrade your Australia Post policy to include:
- Accidental damage. This covers either your home, belongings or both for damage caused by an accident.
- Portable contents insurance. If you have contents cover, you can upgrade your policy to include cover for items like bikes, jewellery, mobile phones, watches and laptops when they're outside of the home.
Your Australia Post Home Insurance claim will not be paid if the claim arises due to:
- Intentional, reckless or fraudulent acts
- Illegal activity
- Business activities at the property address
- Not taking reasonable care or steps to protect or minimise damage
- Your failure to fix a defect, structural fault, design fault or faulty workmanship
- Wear, tear, depreciation and rust
- Rising damp, seepage, mould or mildew
- Gradual deterioration
- Construction works
- Loss or damage indirectly related to your claim, such as additional travel costs because your home is uninhabitable due to an insured event
- Some other types of loss or damage, such as actions of the sea, earth movement and power surges
- Multiple causes where loss or damage has two or more causes and at least one of those is excluded by your policy
Making a claim
As soon as you can after the incident, call 13 70 11 to make your claim, or lodge it online here. Here are the steps you should take when making an Australia Post Home Insurance claim:
- Take immediate steps to minimise damage. If your home or contents suffer loss or damage, or if an incident occurs that may lead to a claim, you must take all reasonable steps to prevent any further loss, damage or liability from occurring. Any incident involving theft or malicious damage should also be reported to the police as soon as possible.
- Contact your insurer. Next, contact your insurer and provide the full details of what has happened. You'll need to provide evidence of the value and of your ownership of the goods or property that has been lost, stolen or damaged. The insurer will also need to inspect the damaged goods or property before any repairs or disposal can be arranged.
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