| COVERAGE FEATURE | WHAT IT MEANS | WHY IT MATTERS |
|---|---|---|
| Additional Rebuilding Cost | All costs to rebuild your home and other structures at the insured location are covered | Your home is rebuilt to match its pre-existing quality, even if the costs are more than the sum insured |
| Home Appraisal | We undertake a professional building valuation of your home free of charge | This ensures your home is adequately covered and avoids you being underinsured |
| Cash Settlement Option | You have the option to receive a cash settlement in lieu of replacing your lost or damaged property | We provide you with the flexibility to make a choice that is convenient for you |
| Flood Coverage | We provide cover for your home and contents due to flood damage | We provide cover for your home or contents if they are damaged by the overflow of a natural body of water |
| Worldwide Contents Coverage | We provide worldwide coverage for your personal property - including contents in storage and transit | Your contents are covered anywhere, so you do not have to worry about any restrictions on losses away from your home |
| Jewellery Limit Under Contents | We cover your jewellery up to $25,000 per item and up to $50,000 per loss | Substantial worldwide jewellery coverage without you having to specify anything |
| Damage Caused by Pets | We cover the damage to your home, other structures and your personal property | Protection for your possessions against damage caused by pets – including your own |
Homeowners Insurance
Overview
We provide comprehensive coverage specifically designed for the high net worth client. Policy enhancements include worldwide accidental damage contents coverage, and no depreciation for contents coverage.
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You should consider the Product Disclosure Statement above in deciding whether to acquire or to continue to hold the PCG product.