Home and Contents Insurance
Your home and contents policy should be flexible enough to meet your needs, whilst being as affordable as possible. This is something you can be confident with when you insure with EBM together with our personal service and the support we provide. With EBM Home and Contents Insurance you get the option of how much excess the policy includes, as well as the choice between cover for 'defined events' or 'accidental damage' or both.
Your home and contents insurance includes a number of special features and benefits negotiated by EBM which are automatically built in to your policy for no extra cost. Please refer to your policy documentation to determine which policy applies to you (“Accidental Damage” or “Insured Events”).
| Extra cover included in your policy | Insured Events Home Insurance | Accidental Damage Home Insurance |
Contents includes all household goods (including carpets whether fixed or not), personal effects, cash, coins and negotiables plus more |  | |
Jewellery, watches or items containing gold and/or silver - any one item, pair, set or collection is not required to be specified if valued less than: (up to a maximum of 25% of the General Contents Sum Insured) | $5,000 | $10,000 |
| Flood cover included | | |
Theft of contents in the open air, unlocked garage, shed or storage room at the risk address insured up to: | $5,000 (Bicycles $1,500) | $10,000 (Bicycles $2,500) |
Cover for buildings and contents where the Buildings have not been lived in for more than 90 consecutive days, subject to applicable excesses | | |
| Premium saving available with increased excess | | |
| Worldwide coverage up to 100 days and increased limits within Australia and New Zealand. The maximum amount the insurer will pay is 25% of your contents sum insured. |
|
|
Accidental Damage (included) | Limited Cover | Broad Cover |
| Automatic cover of contents for up to 30 days when moving from your current residence to your new risk address | | |
| Tsunami cover included, not just earthquake | | |
Domestic Workers Compensation - included if chosen in your schedule (only available in certain states) | | |
No Depreciation applied to fence claims Australia wide |
|
|
Committee members of social or sporting club liability (voluntary) for you up to $10,000 | | |
Are you interested in broader cover? If you currently have an “Insured Events” policy and would like to know more about the additional features of an “Accidental Damage” policy, just give your account broker a call.
The above is general advice based on the QBE Home and Contents policy wordings and has not taken into account your personal circumstances, be sure to read the appropriate Product Disclosure Statement to ensure the policy meets your individual circumstances. The terms conditions and limitations of the policy wording shall prevail at all times.
