Provides cover for loss or damage to your home and contents by any of the wide range of Insured Events specified in the policy. There are also a host of worthwhile additional benefits making Classic a popular choice. Your building and contents are covered 'New for Old' replacement regardless of age.
For those looking for extra protection, Prestige provides the broader cover of accidental loss or damage (unless otherwise excluded), for example spilling paint on your carpet. Again there are a host of additional benefits including some extras not found in Classic Home. Your building and contents are covered 'New for Old' replacement regardless of age.
Vital is similar to Classic Home, but with a lower level of benefits. Vital also has a higher Standard Excess and limited payment options to help reduce premiums. Ideal for those mainly concerned with larger losses.
PremierCare®Home insurance is designed for credit union members and includes benefits not found in many other policies.
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Bone fractures cover (not applicable to Vital Home) - a great benefit for families with active children, because accidents do happen! Up to $1,000 cash benefit if you or your family suffer a fracture to one of the bones specified in the policy. Cover applies anywhere in Australia.
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Standard excess waiver - enjoy the advantage of not having to pay your standard excess if your claim totals more than $3,000.
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Paraplegia or quadriplegia – up to $10,000 contribution towards the cost of modifying your building where your permanent paraplegia or quadriplegia is a direct result of loss or damage to your building by an insured event (applies to building cover only).
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Compensation for death - $10,000 where you suffer fatal injury caused by burglars or fire at your home.
Premium benefits to help reduce your premium*
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A No Claim Bonus (NCB) of up to 30% on both building and contents, depending on your claim history. NCB does not apply to Personal Effects cover.
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A discount if you insure both your building and contents on the same policy.
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A discount on both building and contents if you are aged over 55 years.
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A discount on your contents if you have an approved security system installed at your home.
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The option to increase your Excess for a reduction in premium.
*Minimum premiums apply.
The information provided is a summary only. You should refer to the Policy Document (Product Disclosure Statement) for the full terms, conditions, limitations and exclusions of the cover provided (available on application or request).
This insurance is provided by Allianz Australia Insurance Limited (Allianz) AFS Licence No. 234708, ABN 15 000 122 850. In arranging this insurance Community CPS Australia Limited acts as an agent for Allianz, not as your agent. Neither Community CPS nor any of its subsidiaries guarantee the benefits payable under the policy or the repayment of any premium. PremierCare® is a registered Trade Mark of Community CPS.
Insured Events
Applies to Building, Contents or Both
Accidental Breakage of glass, sanitary fittings, etc
Both
Other Accidental Loss or Damage (unless otherwise excluded)
Both
Earthquake, Explosion, Fire or Smoke
Both
Impact Damage, Lightning or Thunderbolt
Both
Malicious Acts, Riot or Civil Commotion
Both
Storm, Rainwater or Run-off
Both
Theft, Burglary or Housebreaking
Both
Water or Other Liquid Damage
Both
Additional benefits include
Additional cost of temporary accommodation
C
Up to 10% of Contents sum insured
Up to 10% of Contents sum insured
Up to 10% of Contents sum insured
Compensation for death caused by burglars or fire at your home
Both
$10,000
$10,000
$10,000
Compensation for fracture – Australia wide cover
Both
Up to $1,000 per claim and $3,000 per year
Up to $1,000 per claim and $3,000 per year
No cover
Contents in the open air at your risk address
C
Up to 20% of Contents sum insured (theft and storm damage limited to $1,000)
Up to 20% of Contents sum insured (theft and storm damage limited to $5,000 & $2,000 respectively)
Up to 20% of Contents sum insured (theft and storm damage limited to $1,000)
Loss or theft of credit cards
C
Up to $5,000
Up to $5,000
Up to $2,500
Emergency storage of contents
C
Up to 12 months
Up to 12 months
Up to 12 months
Fusion of electric motors – no depreciation applies
Both
Yes – motors limited to 10yrs of age
Yes – motors limited to 12yrs of age
No cover
Guests’, visitors’ and domestic helpers’ property
C
Up to $5,000
Up to $5,000
Up to $5,000
Landscaping
B
Up to $2,000
Up to $5,000
No cover
Legal defence costs
C
No cover
Up to $5,000
No cover
Legal liability
Both
Up to $20million
Up to $20million
Up to $10million
Mortgage discharge costs
B
Up to $5,000
Up to $5,000
Up to $5,000
Paraplegia or Quadriplegia – modifications to your building
B
Up to $10,000
Up to $10,000
Up to $10,000
Rental costs following an insured event
B
Up to 10% of Building sum insured
Up to 10% of Building sum insured
Up to 10% of Building sum insured
Replacement of locks and cylinders
Both
Up to $1,000
Up to $2,000
Up to $1,000
Security firm attendance
C
Up to $500
Up to $500
Up to $500
Spoilage of perishable food
C
Up to $500
Unlimited
No cover
Tax audit
C
Up to $5,000
Up to $5,000
No cover
Title deeds
C
Up to $2,000
Up to $2,000
Up to $2,000
Transit to new place of residence
C
r No cover
Included
No cover
Veterinary costs
C
Up to $500
Up to $500
Up to $500
Personal items temporarily removed from the home
C
Limited cover included, plus the option to purchase Personal Effects extension
Up to $7,500 included under Temporary Removal benefit. Additional cover available at extra premium
Limited cover included, plus the option to purchase Personal Effects extension
Pay by instalments
Both
Standard excess (SA and ACT only. Excess may vary in other states)
Both
$100
$100
$300
The information provided is a summary only. You should refer to the Policy Document (Product Disclosure Statement) for the full terms, conditions, limitations and exclusions of the cover provided (available on application or request).
Community CPS Australia Ltd | AFSL 237856 | ABN 15 087 651 143 | BSB No 805-022
The information about insurance on this website
is provided without taking into consideration your personal objectives, financial
situation or needs. You should consider the relevant Policy Document and Product
Disclosure Statement (PDS) to ensure the insurance is appropriate for your personal
objectives, financial situation and needs before making any decisions about
the product. The relevant PDS is available for you to view, print and save when
you enter the Quote and Buy page.
We are also required to provide you with the Community CPS Financial Services
Guide (FSG) before you acquire this product. We encourage you to take a few
minutes to review our FSG using this link:
