We’ve taken the hassle out of comparing our insurance products. Our home building and contents insurance includes a range of features and benefits designed to give you peace of mind. Whether you are looking for cover for insured events or more comprehensive cover, we can assist.
Protection in the event that your home is broken into or damaged by insured events such as storm, fire or earthquake.
This cover includes everything from our vital product plus some higher policy limits and some additional features and benefits such as cover for fusion of household electric motors.
Our premium product covers you for any accidental loss or damage to your buildings and/or contents (unless we state otherwise in the policy). Other benefits include legal defence costs, cover for contents in transit and double the legal liability of our Vital product.
|Get a Quote||Get a Quote||Get a Quote|
|Type of cover||Insured Events
|Additional cost of temporary accommodation (up to 10% of contents sum insured combined with ‘removal of debris, professional fees, and extra costs)||Yes||Yes||Yes|
|Automatic indexation of sum insured||Yes||Yes||Yes|
|Compensation for death (Up to $10,000)||Yes||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 loss or theft||Up to $2,500||Up to $5,000||Up to $5,000|
|Fusion of electric motors||No||Motors up to 10 years old||Motors up to 12 years old|
|Guests', visitors' and domestic helpers' property (Up to $5,000)||Yes||Yes||Yes|
|Landlords' contents||Up to $10,000||Up to $10,000||No|
|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|
|Security firms attendance (Up to $500)||Yes||Yes||Yes|
|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||No||Yes|
|Veterinary costs (Up to $500)||Yes||Yes||Yes|
|Get a Quote||Get a Quote||Get a Quote|
G&C Mutual Bank arranges/and or refers this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850
AFSL No 234708.
We do not provide advice on this insurance based on any consideration of your objectives, financial position or need. Policy terms, conditions, limits, exclusion and underwriting criteria apply. Before making a decision please consider the relevant Product Disclosure Statement
* Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements.
+To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.
^ Premiums payable by installments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.
# Important Information about Personal Effects Cover