Shannons Home & Contents Insurance

Policy and service features

• Days unoccupied until cover stops

  60

• Underinsurance protection

  No

• New for old

  Yes

• Basic excess from

  $100

• Choice of excess

  true

• Pay monthly at no cost

  yes

• Discounts

  Multipolicy, security systems

• Service 24 7

  Yes

• Away from home

  Up to 90 days, up to 20% of sum insured

• Open air contents

  Up to 5% of sum insured

• Legal liability cover

  Up to $20,000,000

• Other benefits

  $10,000 cover for Enthusiast items.

• Other restrictions

  n/a

Events

• Accidental loss and damage

  Optional Extra

• Accidental breakage of glass

  Yes

• Fire

  Yes

• Lightning

  Yes

• Storm

  Yes

• Flood

  Yes

• Earthquake

  Yes

• Fusion

  Up to $2,000

• 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

  Up to $1,000

• Landscaping

  Up to $2,000 for plants and garden beds

• Gates and fences

  Yes

Contents

• Cash

  Up to $500

• Credit card

  Up to $1,500

• Cd dvd and electronic files

  Up to $3,000

• Computer software hardware

  Yes

• Camera and accessories

  Yes

• Carpets

  Yes

• Handwoven carpets

  Up to $2,000

• Antiques and valuables

  Up to $2,000 per item for artwork, up to $3,000 for collections

• Jewellery

  Up to $2,000 per item

• Uncut gems

  No

• Replacement of documents

  Up to $1,000

• Identity theft

  No

• Personal medical equipment

  Yes

• Tools of trade

  No

• Stock and inventory

  No

• Home office contents

  Up to $15,000

Other cover

• Death and injury

  $5,000 for death

• Veterinary expenses

  Up to $1,000

• Lock replacement

  Up to $1,000

• Temporary accommodation

  Up to 20% of sum insured, up to 12 months combined with temporary accommodation for pets

• Temporary accommodation for pets

  Up to 20% of sum insured, up to 12 months combined with temporary accommodation

• Emergency storage

  Up to 12 months, up to $5,000

• 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

  Yes

• Changing address

  Up to 14 days

• Contents while moving

  Yes