Classic Home Insurance
- Main events covered
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Fire -
Theft -
Storm -
Flood
-
Monthly payments cost extra
-
Yes
-
Underinsurance protection
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Optional Extra - Up to 25% of sum insured
-
New for old replacement
-
Yes
- Underinsurance protection
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Optional Extra - Up to 25% of sum insured
- New for old
-
Yes
- Building cover
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- Contents cover
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n/a
- Fire
-
Yes
- Theft or burglary
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Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
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Yes
- Earthquake
-
Yes
- Storm surge
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Yes
- Fusion
-
Optional Extra, up to 10 years old
- Power surge
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No
- Accidental loss and damage
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Optional Extra
- Accidental breakage of glass
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Yes
- Death and injury cover
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$5,000 for death
- Monthly payments cost extra
-
Yes
- General contents
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No
- Contents while moving
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No
- Antiques and valuables
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No
- Cash
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No
- Cd dvd and electronic files
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No
- Computer software and hardware
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No
- Camera and accessories
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No
- Carpets
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No
- Home office contents
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No
- Identity theft
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No
- Jewellery
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No
- Personal medical equipment
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No
- Replacement of documents
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No
- Tools of trade
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No
- Lock replacement
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Up to $500
- Emergency storage
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No
- Temporary accommodation
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Up to 10% of sum insured combined with temporary accommodation for pets
- Temporary accommodation for pets
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Up to 10% of sum insured combined with temporary accommodation
- Temporary repairs
-
Yes
- Buildings and structural improvements
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Yes
- Building materials
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Up to $500
- Demolition cost
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Up to 10% of sum insured combined with debris removal cost
- Debris removal
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Up to 10% of sum insured combined with demolition cost
- Landscaping
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Yes, retaining walls, garden borders, pathways and paved areas. Up to $500 for plants
- Gates and fences
-
Yes
- Legal liability cover
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Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
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If rebuild costs after an insured event are more than the greater of $50,000 or 10% of the sum insured, Build it Back Better will cover the cost of recommended resilience improvements for up to $5,000-$10,000 depending on policy coverage.
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.