Choose the version of this product that suits you best
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Basic Home and Contents Insurance |
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Everyday Comprehensive Home and Contents Insurance |
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Black Home and Contents Insurance |
Anyone after a combined home and contents insurance with a flexible excess and a nifty 24/7 claims lodgement system may be interested to read about Huddle’s Everyday Comprehensive policy. The policy combines home building and home contents insurance, covering events such as natural disasters, theft and malicious damage.
Huddle’s Everyday Comprehensive Home and Contents Insurance conveniently combines home building and contents cover together. The policy includes cover for loss or damage caused by events such as flooding, storms, theft, accidental damage (with comprehensive cover level), malicious damage, earthquakes and more.
There are also a bunch of additional benefits worth highlighting, including an environmental benefit, damage to landscaping if it's maliciously damaged, cover for food spoilage and cover for emergency accommodation if your home is damaged due to an insured event under the policy. The environmental benefit will apply if your home needs to be entirely rebuilt. In this situation (as long as the claim is approved), Huddle will pay up to $5,000 under the Comprehensive Cover level towards installing environmental home improvements such as solar panels and rainwater tanks.
You can lodge a claim with Huddle at any time of the day or night through a 24/7 online claims system. Huddle has streamlined and digitised its claims process which would traditionally be paper or phone-based.
With Huddle’s Everyday Comprehensive Home and Contents Insurance, customers can choose one basic excess amount for their home building and a different basic excess amount for their contents. A higher excess may mean lower insurance premiums, but may also mean you have to pay more come claim time.
Huddle’s Everyday Comprehensive Home and Contents Insurance may be a good fit for someone keen to bundle their building and contents cover together. It might also be of interest to the tech-savvy who want to make use of a nifty 24/7 claims lodgement system.
As with all insurance policies, Huddle’s home and contents insurance come with a number of policy terms, limits and general exclusions. These include damage caused by inherent defects, structural faults, faulty workmanship or faulty design. We suggest reading through the PDS thoroughly, before signing up. It should also be noted that making insurance premium payments in monthly instalments, does cost a bit extra.
100 |
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No |
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Yes |
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200 |
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true |
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no |
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10% combined home and contents discount |
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Yes |
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Optional Extra |
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Up to $1,000 per item, total $4,000 |
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20000000 |
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n/a |
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n/a |
No |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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No |
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No |
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Yes |
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Yes |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
Yes |
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Yes |
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Up to $750 |
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Yes |
Up to $250 |
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Up to $2,500 |
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$1000 per item, up to $2,500 per collection |
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$1000 per item, up to $2,500 per collection |
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Yes |
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Yes |
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$1,000 per item, up to $2,500 per collection |
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$1,000 per item, up to $2,500 per collection |
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$1,000 per item,. up to $2,500 per collection |
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No |
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Up to $500 |
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No |
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Yes |
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Only Home Office contents, up to $2,500 |
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No |
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Up to $2,500 |
Up to $7,500 |
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No |
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Up to $750 |
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Up to 12 months, up to 10% of home sum insured |
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No |
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Up to 10% of sum insured |
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Up to 10% of sum insured combined with demolition cost |
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Up to 10% of sum insured combined with debris removal cost |
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No |
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Up to 14 days |
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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.
100 |
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No |
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Yes |
|
200 |
|
true |
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no |
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10% combined home and contents discount |
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Yes |
|
Optional Extra |
|
Up to $2,000 per item, total $8,000 |
|
20000000 |
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n/a |
|
n/a |
Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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No |
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No |
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Yes |
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Yes |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
Yes |
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Yes |
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Up to $1,500 |
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Yes |
Up to $500 |
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Up to $5,000 |
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$1,000 per item, up to $5,000 per collection |
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$1,000 per item, up to $5,000 per collection |
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Yes |
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Yes |
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$1,000 per item, up to $5,000 per collection |
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$1,000 per item,. up to $5,000 per collection |
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$1,000 per item,. up to $5,000 per collection |
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No |
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Up to $1,000 |
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No |
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Yes |
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Only Home Office contents, up to $5,000 |
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No |
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Up to $5,000 |
Up to $10,000 |
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No |
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Up to $1,500 |
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Up to 12 months, up to 10% of home sum insured |
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No |
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Up to 15% of sum insured |
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Up to 10% of sum insured combined with demolition cost |
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Up to 10% of sum insured combined with debris removal cost |
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No |
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Up to 14 days |
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Yes |
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.
100 |
|
No |
|
Yes |
|
200 |
|
true |
|
no |
|
10% combined home and contents discount |
|
Yes |
|
Optional Extra |
|
Up to $2,000 per item, total $8,000 |
|
30000000 |
|
n/a |
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n/a |
Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to $2,000, if <10 years old |
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No |
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Yes |
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Yes |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
Yes |
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Yes |
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Up to $5,000 |
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Yes |
Up to $1,000 |
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Up to $5,000 |
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$2,000 per item, up to $5,000 per collection |
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$2,000 per item, up to $5,000 per collection |
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Yes |
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Yes |
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$10,000 per item, pair or set up to 20% of your contents sum |
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$10,000 per item, pair or set up to 20% of your contents sum insured |
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$10,000 per item, pair or set up to 20% of your contents sum insured |
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No |
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Up to $1,000 |
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No |
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Yes |
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Only Home Office contents, up to $10,000 |
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No |
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Up to $10,000 |
Up to $10,000 |
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No |
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Up to $1,500 |
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Up to 20% of home sum insured |
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No |
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Up to 15% of sum insured |
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Up to 20% of sum insured combined with demolition cost |
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Up to 20% of sum insured combined with debris removal cost |
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No |
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Up to 14 days |
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Yes |
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.
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