Important disclosure
Pros and cons
For Accidental Damage
Benefits
- Flexible excess
- Pay monthly at no extra cost
- New for old replacement on contents
- 24 hours claim lodgement
Drawbacks
- No discount for multi policy cover
- No online discount
People's Choice Rate Home insurance overview
For Accidental Damage
Features
Policy type Home and Contents | Combined policy discount |
Online discount available | Flexible excess |
Pay monthly at no extra cost | New for old replacement on contents |
No claim bonus discount | Choice of builder/repairer |
24 hours claim lodgement | Lodge claim online |
Cooling off period 21 days | Target Market Determination Visit People's Choice to view Target Market Determination. |
Insured Events
Storm and rainwater cover Standard | Storm surge flooding |
Flash flooding Standard | Riverine flooding Standard |
Fire Standard | Lightning Standard |
Earthquake Standard | Theft or attempted theft Standard |
Malicious damage (including vandalism) Standard | Vehicle impact damage Standard |
Escaped liquid(burst/leaking pipe) Standard |
Benefits - Building
Full rebuilding cost protection | Legal liability Standard up to $20 million |
Temporary accommodation Standard up to 10.00% of sum insured, up to 12 months | Accidental damage - building Standard |
Accidental glass breakage | Motor burnout - building Standard |
Removal of debris Standard up to 10.00% of sum insured |
Benefits - Content
Accidental damage - contents Standard | Motor burnout - contents Standard |
Home office contents Standard up to $10000.00 | Tools of trade Up to $5000.00 |
Guests belongings Standard up to $5000.00 | Jewellery Up to $2500.00 (item limit), Up to $7500.00 (total limit) |
Specified portable items Optional up to - Sum insured | Unspecified portable items Optional up to - Sum insured |
Credit card theft cover Standard Up to - $5000.00 | Funeral expenses Standard up to - $10000.00 |