Home policy features comparison Vital vs. Classic vs. Prestige

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Policy Features Vital Home Classic Home Prestige Home
Additional costs of temporary accommodation Yes Yes Yes
Automatic indexation of sum insured Yes Yes Yes
Compensation for fracture No Up to $1,000 any one accident, $3,000 in any one year.Up to $1,000 any one accident, $3,000 in any one year.
Credit Cards- cover for loss or theftUp to $2,500 any one occurenceUp to $5,000 any one occurenceUp to $5,000 any one occurence
Fusion of electric motors No

Motors up to 10 years

Motors up to 12 years

Guests, visitors and domestic helpers propertyUp to $5,000Up to $5,000Up to $5,000
Landscaping No Up to $2,000Up to $5,000
Legal defence costs No No Up to $5,000
Replacement of locks or cylinders$1,000$1,000$2,000
Spoilage of freezer food* No up to $500Yes - limit not specified
Theft, burglary or house breaking Tick Tick Accidental damage cover
Transit to your new place of residence No No Yes
Buildings: alterations, additions, repairs$50,000 before notification$50,000 before notification$75,000 before notification
New for old cover Yes Yes Yes
Other policy limits
Buildings:
Landlord contents (carpets & curtains)Up to $10,000Up to $10,000 No
Building materialsUp to $1,000Up to $1,000Up to $1,000
*Applicable for contents cover only.
This is a summary only of some of the policy features available. Talk to us about more policy features. Please read the relevant Product Disclosure Statement and Supplementary PDS for full terms and conditions of cover.