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Home Insurance
Our Home Insurance polices offer you more. In addition to our great rates and flexible premium payment options, you get many other benefits. Our Home Insurance policies also provide cover for food spoilage and loss of credit cards. You’ll even be covered for accounting fees in the event of a Taxation Office audit.
New for old cover
Our contents insurance features new for old replacement, so we will repair, replace or pay you the cost to repair or replace the item. Your contents items will not be depreciated, regardless of age, when you make a claim.
We want you to get the most suitable cover for your needs. So we offer a number of Home Insurance covers including Accidental Damage cover and Listed Events cover. We also offer additional cover for valuables and a range of excellent discounts, including age-based discounts.
Accidental Damage
Our premium cover includes a broader range of incidents including fire or explosion, theft or attempted theft, lightening, earthquake, storm, rainwater or wind damage and any accidental loss
or damage.
Listed Events
We provide you with standard protection against fire or explosion, theft or attempted theft, lightening, earthquake, storm, rainwater or wind damage, and even a vehicle running into your home.
Additional cover for valuables
This additional cover will allow you to relax, knowing your precious valuables are covered, including jewellery and cameras. Check for yourself how the benefits stack up. Use the chart below to see what benefits are available and which cover is best for you. See our policy booklet for more information.
Key Benefits |
Accidental Damage |
Listed Events |
| Accidental Damage cover |
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Fixed glass and windows only |
| Accidental Loss cover |
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| Electrical burnout of motors and pumps less than 15 years old |
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| Replacement of keys and repair and re-coding of locks and barrels for either external door or window |
Unlimited |
Up to $1,000 |
| Money and negotiable documents |
Up to $1,200 |
Up to $750 |
| Credit card loss liability |
Up to $5,000 |
Up to $5,000 |
| Works of art including paintings and rugs |
Up to $20,000 per item, unless specified separately |
Up to $20,000 per item, unless specified separately |
| Loss of frozen foods as a result of domestic freezer failure |
Unlimited |
Up to $500 |
| Loss of frozen food from any cause |
Unlimited |
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| No loss sharing penalty for underinsurance |
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| New for old contents cover |
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| Liability cover |
$20 million |
$20 million |
| Monthly payment option |
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Australia wide:
| - Bicycles |
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| - Mobile phones (up to $2,500) |
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| - Photographic equipment (up to $2,500) |
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| - Camping equipment |
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Easy premium payment options
We make it easy for you to pay your premiums. With our EasyPay insurance options, you can pay your insurance premiums monthly from your selected account. That means you’ll avoid those once-a-year payments and you won’t have to keep track of different renewal dates. You can also add, cancel or amend policies anytime and, best of all, paying monthly costs nothing extra. Of course, if you’d prefer to pay your premiums annually, you can, the choice is yours.
These insurance products are issued by CGU Insurance Limited ABN 27 004 478 371. An IAG Company.
You should consider the Product Disclosure Statement (PDS) in deciding whether to buy or hold these products.
MyState Financial acts under its own AFS License and under an agreement with the insurer, CGU Insurance Limited ABN 27 004 478 371.
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