Home insurance comparison table


This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Vital Home Insurance, Classic Home Insurance or Prestige Home Insurance Product Disclosure Statements (PDS).  

To review the Key Facts Sheets available for Home Contents cover, click here.

Buildings and contents cover


Vital Home Insurance Classic Home Insurance Prestige Home Insurance
Covers loss or damage due to
Accidental breakage (of glass)
Earthquake and tsunami
Explosion
Fire or smoke
Impact damage
Lightning or thunderbolt
Malicious acts
Riot or civil commotion
Storm, rainwater or run-off
Theft, burglary or housebreaking
Water or other liquid damage
Other Features and Benefits included as standard:
Legal liability cover

Covers your legal liability for payment of compensation in respect of:
• death, bodily injury or illness, and/or
• physical loss of or damage to property, caused by an accident or series of accidents attributable to one originating cause.

Up to $10,000,000 Up to $20,000,000 Up to $20,000,000
Fusion (burnout of electric motors)

If the electrical current damages a household electrical motor (including sealed or semi- sealed refrigeration units) we will either pay the reasonable cost to rewind the motor or replace the motor.

Motors up to 10 years old Motors up to 12 years old
Credit cards - cover for fraudulent use or lost or stolen cards

Provides cover up to the specified limit if your credit card or other automatic teller machine card is lost or stolen and you are legally liable to pay for credit given to anyone who has found or stolen your card.

Up to $2,500 Up to $5,000 Up to $5,000
Guests', visitors' and domestic helpers' property

Covers property belonging to your guests, visitors or domestic helpers if it is lost or damaged by an insured event whilst in your home, provided we would have paid the claim if the property had belonged to you.

Up to $5,000 Up to $5,000 Up to $5,000
Spoilage of refrigerated / freezer food

Covers spoilage of perishable food in a domestic refrigerator, freezer or deep freeze unit caused by:
a. breakdown or failure of the unit or any of its components;
b. escape of the refrigerant or fumes; or
c. accidental failure of the public electricity supply to the buildings.

Up to $500 Up to contents sum insured

However, if the event causing the spoilage of perishable food is declared a natural disaster by the government or the Insurance Council of Australia, the maximum we will pay under this benefit is $500.
Temporary removal of contents from your risk address

Covers your contents for loss or damage by an insured event when they are temporarily removed from your risk address to another location within Australia or New Zealand for a maximum
period of up to 90 days.

Up to 20% of contents sum insured with sub-limits for listed contents:
- while kept inside where you are temporarily residing; or
- anywhere else in Australia or NZ but excluding theft.
Up to 20% of contents sum insured with sub-limits for listed contents:
- while kept inside where you are temporarily residing; or
- anywhere else in Australia or NZ but excluding theft.
- Up to 20% of contents sum insured with sub-limits for listed contents, while kept inside where you are temporarily residing; or
- Up to $7,500 for contents anywhere else in Australia or NZ.
More
Landscaping

Includes the replacement of fixed trees, plants and shrubs that have been lost or damaged by an insured event excluding storm, rainwater or run-off.

In this context, ‘fixed’ means planted in the ground.

Up to $2,000 Up to $5,000
Tax audit

Payable only if you live at the risk address.

Covers accountants fees that you reasonably incur with our consent as a result of your personal taxation affairs being audited by the Australian Taxation Office.

Up to $5,000 Up to $5,000
Legal defence costs

Payable only if you live at the risk address.

Covers legal fees, costs and expenses that you reasonably incur with our consent in defending legal proceedings brought against you by a third party in Australia during the period of insurance.

Up to $5,000
Transit to your new place of residence

Covers loss or damage to your contents caused by:

a. fire, collision and/or overturning of the conveying vehicle; or
b. theft from the conveying vehicle;

while they are in transit by land within the same State or Territory as your current risk address or within 100km of your current risk address:

• to your new intended risk address; or
• to or from a furniture storage facility, whichever is the greater distance.

Veterinary costs

Payable only if you live at the risk address.

Covers veterinary expenses related to the treatment of any cat or dog that is owned by you if it is injured in a road accident.

Up to $500 Up to $500 Up to $500
Replacement of locks or cylinders

Covers the replacement of the lock(s) or cylinder(s) if the key for the lock of any external door or window is stolen or there are reasonable grounds to believe that the key(s) have been duplicated.

Up to $1,000 Up to $1,000 Up to $2,000
Security firm attendance

Covers fees or charges incurred or a security firm to attend the risk address in response to a monitored alarm signal if we have agreed to pay a claim for burglary, housebreaking or theft.

Up to $500 Up to $500 Up to $500
Contents in the open air at the risk address

(Sub-limits apply for selected contents based on events causing loss/damage – see PDS for details)

Covers contents at your risk address which are located:
• in the open air, or
• under an open sided structure or carport, or
• on a patio or verandah, or
• in or on a motor vehicle, caravan, trailer or watercraft,
• in a tent, or
• in an unlocked garage, shed or storage room.

Emergency storage of contents

Covers the reasonable costs to move and store your contents for up to 12 months if the buildings you live in at the risk address are rendered unlivable by an insured event.

More
Automatic indexation of sums insured

If you make a claim during the period of insurance, the sums insured for your buildings and/or contents will be adjusted with reference to the Consumer Price Index from the effective date of the current period of insurance.

Compensation for death – $10,000

We will pay $10,000 to your estate if during the period of insurance you suffer fatal injury at your risk address as a result of visible bodily injury caused by burglars or housebreakers or by fire and your death occurs within 90 days of the injury.

Contents in a safe deposit box at a bank (excludes cover for theft)

Cover for your contents when they are kept in a safe deposit box at a bank for loss or damage due to an insured event.

Up to $250 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents

Sub-limits apply for selected contents
Up to $500 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents

Sub-limits apply for selected contents
Up to $1,000 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents

Sub-limits apply for selected contents
Environmental benefits when rebuilding after a total loss – up to $5,000

If your building is totally destroyed by an insured event and we agree to rebuild it, we will pay up to $5,000 of the cost to you to install any combination of the following:

• rainwater tank;
• solar power systems, including solar hot water systems or photo- voltaic (PV) power systems;
• hot water heat exchange system; and
• grey water recycling system.

Mortgage discharge costs - up to $5,000

If your buildings are totally destroyed by an insured event and we agree to pay your claim, we will also reimburse your reasonable legal costs for the discharge and replacement of your mortgage(s) including legal fees and statutory government charges.

Modifications to buildings for paraplegia or quadriplegia – up to $10,000

Payable if your buildings are your principal place of residence.

Covers the cost of modifying your buildings if your paraplegia or quadriplegia is a direct result of loss or damage to your buildings by an insured event.

Title deeds - up to $2,000

Covers the cost of preparing new title deeds for your risk address if your title deeds are lost or damaged by an insured event while they are at your risk address or are held in a secure envelope or a safe deposit box at a bank.

Optional extras


An additional premium applies
Unspecified Personal Effects cover - accidental loss or damage cover for portable contents items:
- anywhere in Australia; and
- for up to 35 days overseas
Available only in conjunction with contents cover.

Covers any of the following contents items up to the ‘per item’ and ‘per claim’ limits you select:

a. travellers’ suitcases and bags, handbags, briefcases, wallets and purses (but not the contents of these items);
b. clothing;
c. jewellery, watches or items containing silver or gold;
d. cosmetics and toiletries;
e. clocks;
f. sporting equipment (but not watercraft, camping equipment or motor or trail bikes);
g. musical instruments;
h. photographic or video equipment;
i. binoculars or telescopes;
j. writing instruments;
k. spectacles and sunglasses;
l. personal audio and video equipment and up to four cassettes or discs (DVD, CD or Mini Discs) used with the equipment; and
m. pocket calculators and personal organisers (but not portable or handheld computers).

Some exclusions:

• No cover is provided for any item used for business, trade or professional purposes.
• We will not pay for damage to glass (other than lenses) or other brittle or fragile substances (other than jewellery) unless caused by fire or theft.
Specified Personal Effects cover - accidental loss or damage cover for portable contents items:
- anywhere in Australia; and
- for up to 35 days overseas
Available only in conjunction with contents cover.

Can cover:

a. portable contents items included under Unspecified Personal Effects if their replacement value exceeds the maximum limits offered under Unspecified Personal Effects;
b. portable contents items which are not included in the list of items coverable under Unspecified Personal Effects (e.g. mobile phones, laptops, tablets, high value jewellery items).
We will not pay for damage to glass (other than lenses) or other brittle or fragile substances (other than jewellery) unless caused by fire or theft.
Domestic Workers’ Compensation cover Only available in the ACT, WA and TAS.

Covers the amount you are liable to pay if you employ a domestic worker such as a gardener or cleaner, and they are injured while working for you.
Flood Optional, subject to eligibility.

Contents cover only


Vital Home Insurance Classic Home Insurance Prestige Home Insurance
Covers loss or damage due to:
Accidental breakage (of glass)
Earthquake and tsunami
Explosion
Fire or smoke
Impact damage
Lightning or thunderbolt
Malicious acts
Riot or civil commotion
Storm, rainwater or run-off
Theft, burglary or housebreaking
Water or other liquid damage
Other Features and Benefits included as standard:
Legal liability cover

Covers your legal liability for payment of compensation in respect of:

• death, bodily injury or illness, and/or
• physical loss of or damage to property, caused by an accident or series of accidents attributable to one originating cause.

Up to $10,000,000 Up to $20,000,000 Up to $20,000,000
Fusion (burnout of electric motors)

If the electrical current damages a household electrical motor (including sealed or semi- sealed refrigeration units) we will either pay the reasonable cost to rewind the motor or replace the motor.

Motors up to 10 years old Motors up to 12 years old
Credit cards - cover for fraudulent use or lost or stolen cards

Provides cover up to the specified limit if your credit card or other automatic teller machine card is lost or stolen and you are legally liable to pay for credit given to anyone who has found or stolen your card.

Up to $2,500 Up to $5,000 Up to $5,000
Guests', visitors' and domestic helpers' property

Covers property belonging to your guests, visitors or domestic helpers if it is lost or damaged by an insured event whilst in your home, provided we would have paid the claim if the property had belonged to you.

Up to $5,000 Up to $5,000 Up to $5,000
Spoilage of refrigerated / freezer food

Covers spoilage of perishable food in a domestic refrigerator, freezer or deep freeze unit caused by:

a. breakdown or failure of the unit or any of its components;
b. escape of the refrigerant or fumes; or
c. accidental failure of the public electricity supply to the buildings.

Up to $500 Up to contents sum insured

However, if the event causing the spoilage of perishable food is declared a natural disaster by the government or the Insurance Council of Australia, the maximum we will pay under this benefit is $500.
Temporary removal of contents from your risk address

Covers your contents for loss or damage by an insured event, when they are temporarily removed from your risk address to another location within Australia or New Zealand for a maximum period of up to 90 days.

Up to 20% of contents sum insured with sub-limits for listed contents:

- while kept inside where you are temporarily residing; or
- anywhere else in Australia or NZ but excluding theft.
Up to 20% of contents sum insured with sub-limits for listed contents:

- while kept inside where you are temporarily residing; or
- anywhere else in Australia or NZ but excluding theft.
- Up to 20% of contents sum insured with sub-limits for listed contents, while kept inside where you are temporarily residing; or

- Up to $7,500 for contents anywhere else in Australia or NZ.
More
Tax audit

Payable only if you live at the risk address.

Covers accountants fees that you reasonably incur with our consent as a result of your personal taxation affairs being audited by the Australian Taxation Office.

Up to $5,000 Up to $5,000
Legal defence costs

Payable only if you live at the risk address.

Covers legal fees, costs and expenses that you reasonably incur with our consent in defending legal proceedings brought against you by a third party in Australia during the period of insurance.

Up to $5,000
Transit to your new place of residence

Covers loss or damage to your contents caused by:

a. fire, collision and/or overturning of the conveying vehicle; or
b. theft from the conveying vehicle;

while they are in transit by land within the same State or Territory as your current risk address or within 100km of your current risk address:

• to your new intended risk address; or
• to or from a furniture storage facility, whichever is the greater distance.

Veterinary costs - up to $500

Payable only if you live at the risk address.

Covers veterinary expenses related to the treatment of any cat or dog that is owned by you if it is injured in a road accident.

Replacement of locks or cylinders

Covers the replacement of the lock(s) or cylinder(s) if the key for the lock of any external door or window is stolen or there are reasonable grounds to believe that the key(s) have been duplicated.

Up to $1,000 Up to $1,000 Up to $2,000
Security firm attendance - up to $500

Covers fees or charges incurred for a security firm to attend the risk address in response to a monitored alarm signal if we have agreed to pay a claim for burglary, housebreaking or theft.

Contents in the open air at the risk address

(Sub-limits apply for selected contents based on events causing loss/damage – see PDS for details)

Covers contents at your risk address which are located:

• in the open air, or
• under an opensided structure or carport, or
• on a patio or verandah, or
• in or on a motor vehicle, caravan, trailer or watercraft,
• in a tent, or
• in an unlocked garage, shed or storage room.

Emergency storage of contents

Covers the reasonable costs to move and store your contents for up to 12 months if the buildings you live in at the risk address are rendered unlivable by an insured event.

More
Automatic indexation of sums insured

If you make a claim during the period of insurance, the sums insured for your buildings and/or contents will be adjusted with reference to the Consumer Price Index from the effective date of the current period of insurance.

Compensation for death – $10,000

We will pay $10,000 to your estate if during the period of insurance you suffer fatal injury at your risk address as a result of visible bodily injury caused by burglars or housebreakers or by fire and your death occurs within 90 days of the injury.

Contents in a safe deposit box at a bank (excludes cover for theft)

Cover for your contents when they are kept in a safe deposit box at a bank for loss or damage due to an insured event.

Up to $250 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents.

Sub-limits apply for selected contents
Up to $500 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents

Sub-limits apply for selected contents
Up to $1,000 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents

Sub-limits apply for selected contents
Title deeds - up to $2,000

Covers the cost of preparing new title deeds for your risk address if your title deeds are lost or damaged by an insured event while they are at your risk address or are held in a secure envelope or a safe deposit box at a bank.

Optional extras


An additional premium applies
Unspecified Personal Effects cover - accidental loss or damage cover for portable contents items:
- anywhere in Australia; and
- for up to 35 days overseas
Available only in conjunction with contents cover.

Covers any of the following contents items up to the ‘per item’ and ‘per claim’ limits you select:

a. travellers’ suitcases and bags, handbags, briefcases, wallets and purses (but not the contents of these items);
b. clothing;
c. jewellery, watches or items containing silver or gold;
d. cosmetics and toiletries;
e. clocks;
f. sporting equipment (but not watercraft, camping equipment or motor or trail bikes);
g. musical instruments;
h. photographic or video equipment;
i. binoculars or telescopes;
j. writing instruments;
k. spectacles and sunglasses;
l. personal audio and video equipment and up to four cassettes or discs (DVD, CD or Mini Discs) used with the equipment; and
m. pocket calculators and personal organisers (but not portable or handheld computers).

Some exclusions:

• No cover is provided for any item used for business, trade or professional purposes.
• We will not pay for damage to glass (other than lenses) or other brittle or fragile substances (other than jewellery) unless caused by fire or theft.
Specified Personal Effects cover - accidental loss or damage cover for portable contents items:
- anywhere in Australia; and
- for up to 35 days overseas
Available only in conjunction with contents cover.

Can cover:

a. portable contents items included under Unspecified Personal Effects if their replacement value exceeds the maximum limits offered under Unspecified Personal Effects;
b. portable contents items which are not included in the list of items coverable under Unspecified Personal Effects (e.g. mobile phones, laptops, tablets, high value jewellery items).
We will not pay for damage to glass (other than lenses) or other brittle or fragile substances (other than jewellery) unless caused by fire or theft.
Domestic Workers’ Compensation cover Only available in the ACT, WA and TAS.

Covers the amount you are liable to pay if you employ a domestic worker such as a gardener or cleaner, and they are injured while working for you.
Flood cover Optional, subject to eligibility.

Buildings cover only


Vital Home Insurance Classic Home Insurance Prestige Home Insurance
Covers loss or damage due to
Accidental breakage (of glass)
Earthquake and tsunami
Explosion
Fire or smoke
Impact damage
Lightning or thunderbolt
Malicious acts
Riot or civil commotion
Storm, rainwater or run-off
Theft, burglary or housebreaking
Water or other liquid damage
Other Features and Benefits included as standard:
Legal liability cover

Covers your legal liability for payment of compensation in respect of:
• death, bodily injury or illness, and/or
• physical loss of or damage to property, caused by an accident or series of accidents attributable to one originating cause.

Up to $10,000,000 Up to $20,000,000 Up to $20,000,000
Fusion (burnout of electric motors)

If the electrical current damages a household electrical motor (including sealed or semi- sealed refrigeration units) we will either pay the reasonable cost to rewind the motor or replace the motor.

Motors up to 10 years old Motors up to 12 years old
Landscaping

Includes the replacement of fixed trees, plants and shrubs that have been lost or damaged by an insured event excluding storm, rainwater or run-off.

In this context, ‘fixed’ means planted in the ground.

Up to $2,000 Up to $5,000
Replacement of locks or cylinders

Covers the replacement of the lock(s) or cylinder(s) if the key for the lock of any external door or window is stolen or there are reasonable grounds to believe that the key(s) have been duplicated.

Up to $1,000 Up to $1,000 Up to $2,000
Automatic indexation of sums insured

If you make a claim during the period of insurance, the sums insured for your buildings and/or contents will be adjusted with reference to the Consumer Price Index from the effective date of the current period of insurance.

Compensation for death – $10,000

We will pay $10,000 to your estate if during the period of insurance you suffer fatal injury at your risk address as a result of visible bodily injury caused by burglars or housebreakers or by fire and your death occurs within 90 days of the injury.

Environmental benefits when rebuilding after a total loss – up to $5,000

If your building is totally destroyed by an insured event and we agree to rebuild it, we will pay up to $5,000 of the cost to you to install any combination of the following:

• rainwater tank;
• solar power systems, including solar hot water systems or photo- voltaic (PV) power systems;
• hot water heat exchange system; and
• grey water recycling system.

Mortgage discharge costs - up to $5,000

If your buildings are totally destroyed by an insured event and we agree to pay your claim, we will also reimburse your reasonable legal costs for the discharge and replacement of your mortgage(s) including legal fees and statutory government charges.

Modifications to buildings for paraplegia or quadriplegia – up to $10,000

Payable if your buildings are your principal place of residence.

Covers the cost of modifying your buildings if your paraplegia or quadriplegia is a direct result of loss or damage to your buildings by an insured event.

Optional
Flood cover Optional, subject to eligibility.

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Vital Home Insurance, Classic Home Insurance or Prestige Home Insurance Product Disclosure Statements (PDS).  

To review the Key Facts Sheets available for Home Contents cover, click here.

Disclaimer

National Seniors Australia Ltd ABN 89 050 523 003 AR 282736 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from this website. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.