Have questions about Property Insurance?
We have organised answers for your common questions on our FAQs page.
Home Shield Home and Contents Policy
Protect your home and contents with our Home Shield Home & Contents policy. This policy provides coverage for home and contents or property only or contents only.
You are covered for loss or damage due to:
- Fire or explosion
- Storm or flood (including rain of overflow of the sea)
- Hurricane, cyclone or tornado
- Lightning or thunderbolt
- Earthquake or volcanic eruption
- Theft, burglary or housebreaking
- Malicious or willful acts
- Riot or civil commotion
- Water or oil escaping from domestic fixed water tanks etc
- Impact (by vehicle, space debris, animals, fallen tree etc)
- Breakage of any fixed glass
- Liability
Commercial Property Insurance – Material Damage Policy
The Material Damage Policy protects commercial property including buildings, contents, equipment and stock. This policy covers property that is lost destroyed or damaged during the period of Insurance by the following perils:
- Fire or explosion
- Storm or flood (including rain of overflow of the sea)
- Hurricane, cyclone or tornado
- Lightning or thunderbolt
- Earthquake or volcanic eruption
- Malicious or willful acts
- Riot or civil commotion
- Water or oil escaping from any apparatus, tanks or pipes
- Impact
- Aircraft
