Hume Bank’s Home & Contents Insurance comes with a range of benefits and optional extras that could be just what you’ve been looking for. The insurance is available in three different tiers which vary in price and coverage, Vital, Classic or Prestige. No matter which cover you get, when you apply online for Hume Bank Home & Contents Insurance, you’ll receive a 10% discount. And while we’re on the topic of discounts, not only are you receiving 10% off your premium when you buy both buildings and contents insurance on the same policy, customers can get up to 30% off if they make no claims within a designated period of time. Talk about savings!

Key features:

Home & Contents Insurance offered by Hume Bank has you covered for a range of events, even with its most basic cover. Across all tiers you are covered for incidents like fire or smoke, impact damage, theft or burglary and storm and lightning damage. However, it’s important to note that whether you take only take out Hume Bank Vital Home & Contents Insurance or dive in and invest in Prestige Home & Contents Insurance, you won’t be covered for any flood damage to your home and whats inside it unless you choose it as an optional extra.

As the name indicates Hume Bank’s Vital Home & Contents insurance covers you for all the basics you need when insuring your home. But there are a few small catches to be mindful of if you opt for this level of cover. While you are covered for things like credit card fraud or legal liability, the total amount covered is half of that of both the Classic and Prestige Home & Contents tiers offered by Hume Bank. Similarly, if you’ve just renovated your backyard, while any gates and fences on your property are covered with Vital insurance, landscaping isn’t, so any damage costs will come straight from your pocket.

With Classic Home & Contents Insurance offered by Hume Bank, while you may pay a higher premium than Vital cover, you’ll receive a wider range of cover from landscaping up to $2,000 and to your fridges’ motor that has fusion damage and shuts down. Keep in mind though, if you need to leave your home to go to temporary accommodation, this policy will partially cover you and your pets for up to 12 months but won’t cover any transit costs or your contents while moving.

Prestige Home & Contents Insurance has the largest range of cover out of the three versions offered by Hume Bank. Everyone can be a bit clumsy with their belongings sometimes, so unlike the lower tiers of this insurance, Prestige cover includes any accidental loss or damage of contents (unless specifically excluded). Similarly, you can get up to $5,000 cover for any fraudulent use of lost or stolen credit cards. But, although Hume Bank covers you for a widest range of events with Prestige Home & Contents, in the case of a power or storm surge you aren’t covered. This also applies across the lower tiers of this insurance as well.

Who it's good for:

Hume Bank’s Home & Contents insurance could be perfect for anyone who wants the flexibility to choose a policy that is right for them with three different versions, while also having the option to pay their premium monthly.

Any catches?

There is no underinsurance cover, so be sure to let Hume Bank know of any adjustments you make to your home to prevent you from having to cover a portion of the cost in the event of a claim.

Details

Policy and service features

Days unoccupied until cover stops

60
Underinsurance protection
New for old
Basic excess from

$500
Choice of excess
Pay monthly at no cost
Discounts

10% online discount. No claim bonus
Service 24 7
Away from home

Up to 90 days, up to 20% of sum insured
Open air contents

Up to $1,000
Legal liability cover

Up to $10,000,000
Other benefits

n/a
Other restrictions

n/a

Events

Accidental loss and damage

Optional extra
Accidental breakage of glass
Fire
Lightning
Storm
Flood

Optional extra
Earthquake
Fusion
Power surge
Explosion
Escape of liquid
Storm surge
Impact damage
Theft or burglary
Malicious acts and vandalism
Riots and civil commotion

Buildings

Buildings and structural improvements
Building materials

Up to $1,000
Landscaping
Gates and fences

Cash

Up to $250
Credit card

Up to $2,500
Cd dvd and electronic files

Up to $2,500
Computer software hardware
Camera and accessories
Carpets
Handwoven carpets

Up to $5,000 per item, up to $7,500 for all special items
Antiques and valuables

Up to $5,000 per item, up to $7,500 for all special items
Jewellery

Up to $2,000 per item, up to $7,500 for all special items
Uncut gems
Replacement of documents

Up to $5,000 per item, up to $7,500 for all special items
Identity theft
Personal medical equipment
Tools of trade

Up to $2,500
Stock and inventory

Up to $1,500
Home office contents

Up to $10,000

Other cover

Death and injury

$10,000 for death, up to $1,000 for fractures
Veterinary expenses

Up to $500
Lock replacement

Up to $1,000
Temporary accommodation

Up to 12 months, up to 10% of sum insured combined with debris removal cost
Temporary accommodation for pets

Up to $500
Emergency storage

Up to 12 months
Debris removal

Up to 10% of sum insured combined with demolition cost and temporary accommodation cost
Demolition cost

Up to 10% of sum insured combined with debris removal cost and emergency storage cost
Temporary repairs
Changing address

Up to 14 days
Contents while moving

Details

Policy and service features

Days unoccupied until cover stops

60
Underinsurance protection
New for old
Basic excess from

$500
Choice of excess
Pay monthly at no cost
Discounts

10% online discount. No claim bonus
Service 24 7
Away from home

Up to 90 days, up to 20% of sum insured
Open air contents

Up to $1,000
Legal liability cover

Up to $20,000,000
Other benefits

n/a
Other restrictions

n/a

Events

Accidental loss and damage

Optional extra
Accidental breakage of glass
Fire
Lightning
Storm
Flood

Optional extra
Earthquake
Fusion

Up to 10 years old
Power surge
Explosion
Escape of liquid
Storm surge
Impact damage
Theft or burglary
Malicious acts and vandalism
Riots and civil commotion

Buildings

Buildings and structural improvements
Building materials

Up to $1,000
Landscaping

Up to $2,000
Gates and fences

Cash

Up to $500
Credit card

Up to $5,000
Cd dvd and electronic files

Up to $2,500
Computer software hardware
Camera and accessories
Carpets
Handwoven carpets

Up to $5,000 per item, up to $7,500 for all special items
Antiques and valuables

Up to $5,000 per item, up to $7,500 for all special items
Jewellery

Up to $2,000 per item, up to $7,500 for all special items
Uncut gems
Replacement of documents

Up to $5,000 per item, up to $7,500 for all special items
Identity theft
Personal medical equipment
Tools of trade

Up to $2,500
Stock and inventory

Up to $1,500
Home office contents

Up to $10,000

Other cover

Death and injury

$10,000 for death, up to $1,000 for fractures
Veterinary expenses

Up to $500
Lock replacement

Up to $1,000
Temporary accommodation

Up to 12 months, up to 10% of sum insured combined with debris removal cost
Temporary accommodation for pets

Up to $500
Emergency storage

Up to 12 months
Debris removal

Up to 10% of sum insured combined with demolition cost and temporary accommodation cost
Demolition cost

Up to 10% of sum insured combined with debris removal cost and emergency storage cost
Temporary repairs
Changing address

Up to 14 days
Contents while moving

Details

Policy and service features

Days unoccupied until cover stops

60
Underinsurance protection
New for old
Basic excess from

$500
Choice of excess
Pay monthly at no cost
Discounts

10% online discount. No claim bonus
Service 24 7
Away from home

Up to 90 days, up to 20% of sum insured
Open air contents

Up to $1,000
Legal liability cover

Up to $20,000,000
Other benefits

n/a
Other restrictions

n/a

Events

Accidental loss and damage
Accidental breakage of glass
Fire
Lightning
Storm
Flood

Optional extra
Earthquake
Fusion

Up to 12 years old
Power surge
Explosion
Escape of liquid
Storm surge
Impact damage
Theft or burglary
Malicious acts and vandalism
Riots and civil commotion

Buildings

Buildings and structural improvements
Building materials

Up to $1,000
Landscaping

Up to $5,000
Gates and fences

Cash

Up to $1,000
Credit card

Up to $5,000
Cd dvd and electronic files

Up to sum insured
Computer software hardware
Camera and accessories
Carpets
Handwoven carpets

Up to $5,000 per item, up to 20% of sum insured for all special items
Antiques and valuables

Up to $5,000 per item, up to 20% of sum insured for all special items
Jewellery

Up to $2,000, up to 20% of sum insured for all special items
Uncut gems
Replacement of documents

Up to $5,000 per item, up to 20% of sum insured for all special items
Identity theft
Personal medical equipment
Tools of trade

Up to $2,500
Stock and inventory

Up to $1,500
Home office contents

Up to $10,000

Other cover

Death and injury

$10,000 for death, up to $1,000 for fractures
Veterinary expenses

Up to $500
Lock replacement

Up to $2,000
Temporary accommodation

Up to 12 months, up to 10% of sum insured combined with debris removal cost
Temporary accommodation for pets

Up to $500
Emergency storage

Up to 12 months
Debris removal

Up to 10% of sum insured combined with demolition cost and temporary accommodation cost
Demolition cost

Up to 10% of sum insured combined with debris removal cost and emergency storage cost
Temporary repairs
Changing address

Up to 14 days
Contents while moving

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