Want to protect your home and contents from damage? Compare and discover if Australian Unity home insurance is right for you.
Australian Unity home insurance offers two forms of cover to protect your home from a wide range of risks.
What cover options does Australian Unity offer?
Home Cover
Offering essential cover for your home and contents against a wide range of risks, Australian Unity Home Cover provides protection against loss or damage due to fires, explosions, water damage, storms, floods, theft, vandalism and more. A building safeguard benefit ensures that you can cover all rebuilding costs, while accommodation costs, electric motor burnout, replacement of locks and $30 million of personal legal liability cover are also included.
Home Cover Prestige
Home Cover Prestige insurance offers comprehensive cover for your home and contents. It covers accidental loss or damage to your building and contents and also provides protection against storms, floods, fires, explosions, theft, vandalism, glass breakage and much more. Policy features include a building sum insured safeguard as well as cover for emergency accommodation costs, electric motor fusion, guests’ property and contents temporarily removed from your home. This policy also gives you $30 million of legal liability cover.
What are the features of their policies?
Home Cover
- Covers loss or damage
- Building safeguard benefit
- Emergency accommodation costs
- Electric motor burnout cover
- Environmental upgrades to your building and contents
- Replacement of locks
- Contents in transit or while temporarily removed from your home
- $30 million personal legal liability cover
- New for old replacement on most items
- Easy 24/7 claims process
Home Cover Prestige
- Covers loss or damage
- Covers accidental loss or damage to your building and contents
- Building safeguard benefit
- Emergency accommodation costs
- Electric motor burnout cover
- Environmental upgrades to your building and contents
- Replacement of locks
- Essential temporary repairs
- $30 million personal legal liability cover
- Optional specified valuables cover
- New for old replacement on most items
- Easy 24/7 claims process
What exclusions are there?
Australian Unity will not pay your home and contents insurance claim if it arises as the result of the following situations:
- It arises due to the lawful seizure or repossession of your property or due to some other operation of law.
- It arises due to invasion, war or rebellion.
- It is caused by an act of terrorism.
- It is caused by a deliberate act by you, your family or another person acting with your consent.
- It is for wear and tear, depreciation or deterioration.
- It is for damage caused by atmospheric conditions, mould or mildew.
- It is caused by insects, birds or vermin.
- It results due to an inherent defect.
- It is caused by a process of cleaning, repairing, restoring or altering.
- It is for financial or consequential loss.
- You do not take reasonable care to prevent loss, injury or damage.
What excess options are there?
The excess is the amount you are required to pay to contribute towards your claim. The excesses you need to pay are set out in your Australian Unity home insurance policy schedule.
You also have the flexibility to adjust your basic excess amount to suit your needs. By choosing to pay a higher excess, you can enjoy cheaper premiums.
Who is eligible for Australian Unity home insurance?
Australian Unity home and contents insurance policies provide cover for Australian residential properties. You must also follow the following simple conditions to ensure that you are always covered:
- Take reasonable care to prevent any loss, damage or liability.
- Assist and co-operate with the insurer at all times.
- Tell the insurer of any changes to your circumstances (such as a change of address) as soon as they occur.
- Make sure you don’t provide any false or misleading information.
How do I make a claim?
If you need to make a claim on your Australian Unity home insurance policy, you can phone the QBE claims line 24 hours a day, 7 days a week. A claims team member will explain the process to you and let you know what you have to do next. You won’t usually need to complete a claim form, but this may be required in the case of complex claims.
There are a few other things you can do to ensure the successful processing of your claim:
- Take all reasonable steps to reduce or prevent any further loss or damage.
- Immediately inform the police following any incidents of theft or vandalism.
- Provide any information the insurer requests to support your claim, such as letters, documents, valuations, receipts or proof of ownership.
- Pay your excess.
- Comply with any other requests from the insurer.
