Building and contents insurance

Building and contents insurance policy features comparison: Vital vs. Classic vs. Prestige

Policy Features Vital Home Classic Home Prestige Home
Accidental Breakage of glass Yes Yes Any Accidental Loss or Damage unless specifically excluded
Impact damage
Yes Yes
Earthquake and tsunami Yes Yes
Explosion
Yes Yes
Fire or smoke
Yes Yes
Lightning or thunderbolt
Yes Yes
Malicious acts
Yes Yes
Riot or civil commotion
Yes Yes
Storm, rainwater or run-off
Yes Yes
Theft, burglary or housebreaking
Yes Yes
Water or other liquid damage
Yes Yes
Automatic indexation of sum insured Yes Yes Yes
Compensation for death (Up to $10,000) Yes Yes Yes
Compensation for Fracture (Limits apply) No Yes Yes
Contents in open air at the risk address (Sub-limits for selected contents based on insured events loss or damage) Yes Yes Yes
Contents in safe deposit box – Accidental loss or damage, excluding theft (Up to 20% of contents sum insured) Yes Yes Yes
Credit cards - cover for fraudulent use or lost or stolen cards Up to $2,500 Up to $5,000 Up to $5,000
Emergency storage of contents Yes Yes Yes
Environmental Benefits Yes Yes Yes
Guests', visitors' and domestic helpers' property (Up to $5,000) Yes Yes Yes
Landscaping No Yes Yes
Tax Audit No Yes Yes
Legal Defence Costs No No Yes
Transit to your new place of residence No No Yes
Fusion of electric motors No Motors up to 10 years old Motors up to 12 years old
Accidental Damage No No Yes

More Benefits

Mortgage Discharge Costs Yes Yes Yes
Legal liability cover Up to $10,000,000 Up to $20,000,000 Up to $20,000,000
Modifications to buildings for paraplegia & quadriplegia (Up to $10,000) Yes Yes Yes
Replacement of locks and cylinders Up to $1,000 Up to $1,000 Up to $2,000
Spoilage of refrigerated / freezer food No Up to $500 No specified limit
Temporary removal of Contents from your risk address Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing / or up to $7,500 for contents anywhere else in Australia or NZ.
Title deeds (Up to $2,000) Yes Yes Yes
Veterinary costs (Up to $500) Yes Yes Yes

This information about insurance cover is a summary only. Terms, conditions, limits, exclusions and underwriting criteria apply. You should consider whether this insurance product is suitable for your circumstances and consider the Policy Document (Product Disclosure Statement) (‘PDS’) and Key Fact Sheets for Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance