Guild Home & Contents Insurance Features and Benefits
We offer 2 level of cover so you can choose the one that best suits your needs:Home Elite Insurance
Comprehensive protection with broad cover and higher benefit levels.
Accidents do happen. That's why our Home Elite Insurance gives you cover against accidental damage as well as a host of other additional covers for your home. It is a more complete cover, for homeowners who want to leave nothing to chance.
Home Essential Insurance
A quality product for those who want the essential covers.
For those who just want the essentials we can give you just what you need without the extras on top.
Here's a rundown of the two cover options and the protection they can give your home & contents.
| Cover | Includes | |
|---|---|---|
| Type of Policy: |
Home Essential |
Home Elite |
|
Cover is Provided For: |
Insured events only |
Insured events plus accidental loss or damage |
|
Flood (as a result of a watercourse or lake overflowing) |
No |
No |
| Rainwater (as a result of rainwater overflowing from storm water drains or channels) |
Yes |
Yes |
| Storm (including thunderstorm, cyclone and tornado) |
Yes |
Yes |
| Actions of the sea (excluding tsunamis caused by earthquake) |
No |
No |
|
New for Old Replacement |
Yes |
Yes |
|
Legal Liability |
Yes |
Yes |
| Your Home | ||
|
Rebuilding Costs |
15% of sum insured |
15% of sum insured |
|
Sum Insured Safety Net |
20% of sum insured |
20% of sum insured |
|
Emergency Accommodation |
$2,000 |
$2,000 |
| Temporary Accomodation | Lesser of 20% of sum insured or 12 months | Lesser of 20% of sum insured or 12 months |
|
Alternative Accommodation |
12 months or 20% of sum insured |
12 months or 20% of sum insured |
|
Building Materials (awaiting Installation at your home) |
$2,500 |
$5,000 |
|
Exploratory Costs (to find the source of a leak) |
Reasonable Costs |
Reasonable Costs |
|
Landscaping (trees, shrubs & plants) |
$250 per item and $2,500 per claim |
$250 per item and $5,000 per claim |
|
Locks & Keys |
$1,500 |
$2,500 |
|
Loss of Water or Gas |
$500 |
$500 |
|
Rainwater Tanks |
Included in Sum Insured plus$1,500 |
Included in Sum Insured plus $1,500 |
|
Solar Panels |
Included in Sum Insured plus $2,000 |
Included in Sum Insured plus $2,000 |
|
Mortgage discharge costs |
$5,000 |
$5,000 |
|
Modifications to the Home |
$10,000 |
$25,000 |
|
Funeral Expenses (as a result of an insured incident ) |
$10,000 in any one period of insurance |
$25,000 in any one period of insurance |
| Landlords Cover | ||
| Malicious acts by tenants |
Sum Insured |
Sum Insured |
| Theft, attempted theft, burglary or housebeaking by tenants |
Sum Insured |
Sum Insured |
| Accidental loss or damage caused by tenants |
N/A |
Sum Insured |
| Loss of rent |
|
|
| Your Contents | ||
|
Cash, postal notes, money orders, stamps and negotiable items |
$500 in total |
$750 in total |
| Collections & Memorabilia |
$2,500 per item and $15,000 in total |
$2,500 per item and $15,000 in total |
|
Works of Art (including pictures, ornaments, vases, tapestries and rugs) |
|
|
|
Contents in the Open Air |
|
|
| Contents in storage |
Lesser of $5,000 or |
Lesser of $5,000 or |
|
Contents Temporarily Removed |
|
Cover anywhere in |
|
Computers & Home Office Equipment |
$10,000 |
$10,000 |
|
Credit Cards or other Financial Transaction Cards |
$1,500 |
$1,500 |
|
Food & Medication Spoilage |
$1,500 |
$1,500 |
|
Security Firm Attendance |
$2,500 |
$2,500 |
|
Tools and Equipment |
$5,000 |
$5,000 |
|
Vets Fees |
$1,000 |
$1,000 |
|
Guests or Visitors’ Contents |
$2,500 |
$5,000 |
| Moving to a new address |
Sum Insured |
Sum Insured |
| Removal of debris |
$5,000 |
$5,000 |
| Spare parts and accessories |
$1,000 |
$1,000 |
| Temporary repairs |
$1,000 |
$1,000 |
| Theft of handbag or wallet |
Cash and negotiable - $200 |
Included - Content and personal property limits apply |
| Your Personal Property1(including jewellery, sporting equipment and portable electronic equipment) | ||
| While at Your Home |
$1,500 per item and $10,000 in total |
$2,500 per item and $15,000 in total |
| While Temporarily Removed |
$1,500 per item and $10,000 in total |
$2,500 per item and $15,000 in total Includes accidental loss or damage anywhere in Australia and up to 90 days overseas |
|
Unspecified Personal Property |
Optional cover $1,500 per item and $10,000 in total. Includes accidental loss or damage anywhere in Australia and up to 30 days overseas. |
Automatically included $2,500 per item and $15,000 in total. Includes accidental loss or damage anywhere in Australia and up to 90 days overseas. |
|
Specified Personal Property |
Optional cover Individual sums insured for each item. |
Optional cover Individual sums insured for each item. |
| Landlords Cover | ||
| Malicious acts by tenants |
Sum Insured |
Sum Insured |
| Theft, attempted theft, burglary or housebeaking by tenants |
Sum Insured |
Sum Insured |
| Accidental loss or damage caused by tenants |
N/A |
Sum Insured |
| Loss of rent |
|
|
| Landlords contents | $10,000 limited cover provided automatically | $10,000 limited cover provided automatically |
| Your Personal Property1(including jewellery, sporting equipment and portable electronic equipment) | ||
| While at Your Home |
$1,500 per item and $10,000 in total |
$2,500 per item and $15,000 in total |
| While Temporarily Removed |
$1,500 per item and $10,000 in total |
$2,500 per item and $15,000 in total Includes accidental loss or damage anywhere in Australia and up to 90 days overseas |
|
Unspecified Personal Property |
Optional cover $1,500 per item and $10,000 in total. Includes accidental loss or damage anywhere in Australia and up to 30 days overseas. |
Automatically included $2,500 per item and $15,000 in total. Includes accidental loss or damage anywhere in Australia and up to 90 days overseas. |
|
Specified Personal Property |
Optional cover Individual sums insured for each item. |
Optional cover Individual sums insured for each item. |
Refer to the Home Essential or Home Elite PDS for full details.
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