Huddle Basic Home and Contents Insurance | Home insurance product information

	Name
	Basic Home and Contents Insurance
	Everyday Comprehensive Home and Contents Insurance
	Black Home and Contents Insurance

Details

Policy and service features

Days unoccupied until cover stops	100
Underinsurance protection	No
New for old	Yes
Basic excess from	600
Choice of excess	true
Pay monthly at no cost	n/a
Discounts	20% combined home and contents discount
Service 24 7	Yes
Away from home	Optional Extra
Open air contents	Up to $1,000 per item, total $4,000
Legal liability cover	20000000
Other benefits	n/a
Other restrictions	n/a

Events

Accidental loss and damage	No
Accidental breakage of glass	Yes
Fire	Yes
Lightning	Yes
Storm	Yes
Flood	Yes
Earthquake	Yes
Fusion	No
Power surge	No
Explosion	Yes
Escape of liquid	Yes
Storm surge	No
Impact damage	Yes
Theft or burglary	Yes
Malicious acts and vandalism	Yes
Riots and civil commotion	Yes

Buildings

Buildings and structural improvements	Yes
Building materials	Yes
Landscaping	Up to $750
Gates and fences	Yes

Cash	Up to $250
Credit card	Up to $2,500
Cd dvd and electronic files	$1000 per item, up to $2,500 per collection
Computer software hardware	$1000 per item, up to $2,500 per collection
Camera and accessories	Yes
Carpets	Yes
Handwoven carpets	$1,000 per item, up to $2,500 per collection
Antiques and valuables	$1,000 per item, up to $2,500 per collection
Jewellery	$1,000 per item,. up to $2,500 per collection
Uncut gems	No
Replacement of documents	Up to $500
Identity theft	No
Personal medical equipment	Yes
Tools of trade	Only Home Office contents, up to $2,500
Stock and inventory	No
Home office contents	Up to $2,500

Other cover

Death and injury	Up to $7,500
Veterinary expenses	No
Lock replacement	Up to $750
Temporary accommodation	Up to 12 months, up to 10% of sum insured
Temporary accommodation for pets	No
Emergency storage	Up to 10% of sum insured
Debris removal	Up to 10% of sum insured combined with demolition cost
Demolition cost	Up to 10% of sum insured combined with debris removal cost
Temporary repairs	No
Changing address	Up to 14 days
Contents while moving	Up to 20% of sum insured

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Details

Policy and service features

Days unoccupied until cover stops	100
Underinsurance protection	No
New for old	Yes
Basic excess from	600
Choice of excess	true
Pay monthly at no cost	n/a
Discounts	20% combined home and contents discount
Service 24 7	Yes
Away from home	Optional Extra
Open air contents	Up to $2,000 per item, total $8,000
Legal liability cover	20000000
Other benefits	n/a
Other restrictions	n/a

Events

Accidental loss and damage	Yes
Accidental breakage of glass	Yes
Fire	Yes
Lightning	Yes
Storm	Yes
Flood	Yes
Earthquake	Yes
Fusion	No
Power surge	No
Explosion	Yes
Escape of liquid	Yes
Storm surge	No
Impact damage	Yes
Theft or burglary	Yes
Malicious acts and vandalism	Yes
Riots and civil commotion	Yes

Buildings

Buildings and structural improvements	Yes
Building materials	Yes
Landscaping	Up to $1,500
Gates and fences	Yes

Cash	Up to $500
Credit card	Up to $5,000
Cd dvd and electronic files	$1,000 per item, up to $5,000 per collection
Computer software hardware	$1,000 per item, up to $5,000 per collection
Camera and accessories	Yes
Carpets	Yes
Handwoven carpets	$1,000 per item, up to $5,000 per collection
Antiques and valuables	$1,000 per item,. up to $5,000 per collection
Jewellery	$1,000 per item,. up to $5,000 per collection
Uncut gems	No
Replacement of documents	Up to $1,000
Identity theft	No
Personal medical equipment	Yes
Tools of trade	Only Home Office contents, up to $5,000
Stock and inventory	No
Home office contents	Up to $5,000

Other cover

Death and injury	Up to $10,000
Veterinary expenses	No
Lock replacement	Up to $1,500
Temporary accommodation	Up to 12 months, up to 10% of sum insured
Temporary accommodation for pets	No
Emergency storage	Up to 15% of sum insured
Debris removal	Up to 10% of sum insured combined with demolition cost
Demolition cost	Up to 10% of sum insured combined with debris removal cost
Temporary repairs	No
Changing address	Up to 14 days
Contents while moving	Yes

Details

Policy and service features

Days unoccupied until cover stops	100
Underinsurance protection	No
New for old	Yes
Basic excess from	600
Choice of excess	true
Pay monthly at no cost	n/a
Discounts	20% combined home and contents discount
Service 24 7	Yes
Away from home	Optional Extra
Open air contents	Up to $2,000 per item, total $8,000
Legal liability cover	30000000
Other benefits	n/a
Other restrictions	n/a

Events

Accidental loss and damage	Yes
Accidental breakage of glass	Yes
Fire	Yes
Lightning	Yes
Storm	Yes
Flood	Yes
Earthquake	Yes
Fusion	Up to $2,000, if <10 years old
Power surge	No
Explosion	Yes
Escape of liquid	Yes
Storm surge	No
Impact damage	Yes
Theft or burglary	Yes
Malicious acts and vandalism	Yes
Riots and civil commotion	Yes

Buildings

Buildings and structural improvements	Yes
Building materials	Yes
Landscaping	Up to $5,000
Gates and fences	Yes

Cash	Up to $1,000
Credit card	Up to $5,000
Cd dvd and electronic files	$2,000 per item, up to $5,000 per collection
Computer software hardware	$2,000 per item, up to $5,000 per collection
Camera and accessories	Yes
Carpets	Yes
Handwoven carpets	$10,000 per item, pair or set up to 20% of your contents sum
Antiques and valuables	$10,000 per item, pair or set up to 20% of your contents sum insured
Jewellery	$10,000 per item, pair or set up to 20% of your contents sum insured
Uncut gems	No
Replacement of documents	Up to $1,000
Identity theft	No
Personal medical equipment	Yes
Tools of trade	Only Home Office contents, up to $10,000
Stock and inventory	No
Home office contents	Up to $10,000

Other cover

Death and injury	Up to $10,000
Veterinary expenses	No
Lock replacement	Up to $1,500
Temporary accommodation	Up to 20% of sum insured
Temporary accommodation for pets	No
Emergency storage	Up to 15% of sum insured
Debris removal	Up to 20% of sum insured combined with demolition cost
Demolition cost	Up to 20% of sum insured combined with debris removal cost
Temporary repairs	No
Changing address	Up to 14 days
Contents while moving	Yes

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Huddle Home and Contents Insurance

Huddle Home and Contents Insurance

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