Hume Bank Home & Contents Insurance

Policy and service features

• Days unoccupied until cover stops

  60

• Underinsurance protection

  No

• New for old

  Yes

• Basic excess from

  $500

• Choice of excess

  true

• Pay monthly at no cost

  yes

• Discounts

  10% online discount. 10% combined policy discount

• Service 24 7

  Yes

• Away from home

  Yes

• Open air contents

  Up to $2,000

• 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

  Yes

• Fire

  Yes

• Lightning

  Yes

• Storm

  Yes

• Flood

  Optional Extra

• Earthquake

  Yes

• Fusion

  Optional, up to 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

  No

• Landscaping

  Up to $5,000 for plants

• Gates and fences

  Yes

Contents

• Cash

  Up to $2,000

• Credit card

  No

• Cd dvd and electronic files

  Yes

• Computer software hardware

  Yes

• Camera and accessories

  Up to $7,500 in total combined with antiques and valuables

• Carpets

  Yes

• Handwoven carpets

  Yes

• Antiques and valuables

  Up to $7,500 in total combined with cameras and accessories

• Jewellery

  Up to $2,500 per item or set

• Uncut gems

  No

• Replacement of documents

  No

• Identity theft

  No

• Personal medical equipment

  Yes

• Tools of trade

  Up to $1,500 per item and $10,000 in total

• Stock and inventory

  Up to $1,500

• Home office contents

  Up to $1,500 per item and $10,000 in total

Other cover

• Death and injury

  No

• Veterinary expenses

  Up to $500

• Lock replacement

  Up to $1,000

• Temporary accommodation

  Up to 10% of sum insured, up to 12 months.

• Temporary accommodation for pets

  Up to $500

• Emergency storage

  Up to 12 months

• Debris removal

  Up to 10% of sum insured combined with demolition

• Demolition cost

  Up to 10% of sum insured combined with debris removal

• Temporary repairs

  No

• Changing address

  Up to 14 days, for content

• Contents while moving

  Optional Extra