Our household products have been rated very highly by a leading independent consumer magazine.
For you home
By talking to customers every day, we know that when you’re buying insurance you are really buying peace of mind. We also know that while insurance isn’t the most interesting or exciting purchase that you’ll make in your lifetime, our house and contents insurance has been developed to offer you this peace of mind and security.
House and Contents Insurance
At Ansvar Insurance we recognise the importance of having the flexibility of choosing the right home insurance to protect your most valuable possessions; your home and contents.
Our range of House and Contents insurance products allows you to choose from the comprehensive HomeCover insurance to our premier MaxiCover insurance providing extra benefits for those seeking maximum protection.
When selecting the best cover that suits you, compare the features and benefits of both products by viewing the Home Insurance Features/Benefits Table.
Regardless of your choice of cover, Ansvar Insurance offers a range of discounts including:
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Combined Building and Contents
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Over 55s
-
Security
We also offer you the opportunity to save further by giving you the choice to select your preferred level of policy excess.
For your convenience you can pay your premium on an annual or monthly basis by credit card or if you prefer you can nominate your preferred financial institution and have your premium deducted in monthly instalments by Direct Debit.
Find out how Ansvar Insurance rated in the CHOICE Home and Contents Insurance Report.
TopFeatures and benefits of home insurance
|
Features/Benefits |
HomeCover |
MaxiCover |
|
Works of art, pictures, tapestries, rugs & antiques |
$2,500 any one item, limited to 20% of Contents sum insured |
$2,500 anyone item, limited to 20% of Contents sum insured |
|
Jewellery, gold or silver articles, furs, watches, collections |
$1,500 any one item, limited to 20% of Contents sum insured |
$5,000 any one item, limited to 20% of Contents sum insured |
|
Accessories or spare parts of motor vehicles, caravans, trailers & watercraft but not in or on the motor vehicle, caravan or watercraft |
$1,000 in total |
$1,000 in total |
|
Items used for business, trade or professional purposes (excluding stock) |
$1,500 in respect of tools, instruments & equipment whilst contained within the building, and $5,000 in respect of items forming part of office or surgery, at the situation. |
$15,000 in total for office or surgical equipment used for business purposes in the home. |
|
Stock |
$1,000 in total, in respect of stock held on a temporary basis, used for business purposes |
$5,000 in total, includes goods used for earning income, other than equipment in an office or surgery |
|
Computer hardware & software |
$5,000 in total |
$5,000 in total |
|
Bicycles |
$500 whilst in the Open Air. No limit whilst at the situation |
$1,500 any one bicycle limited to $5,000 in total |
|
Flood |
Yes |
Yes |
|
Accidental loss or damage |
No |
Yes |
|
Fusion |
Motors up to 10 years old. 20% depreciation to apply for each year over 10 years. Max of 80% deduction. Limit $2,000 any one loss. |
Motors up to 10 years old. 20% depreciation to apply for each year over 10 years. Max of 80% deduction.Limit $2,000 any one loss. |
|
Spoilage of Refrigerated or Frozen Food |
$500 in total |
$1000 in total |
|
Contents in the open air at site |
$500 for bicycles lost or damaged due to theft and $1,500 for all other contents |
$5,000 in total |
|
Landscaping, trees, shrubs & plants |
$200 per tree/$2,000 in total |
$200 per tree/$5,000 in total |
|
Contents temporarily removed from site |
20% of Contents sum insured for loss or damage caused by a listed event |
20% of Contents sum insured for loss or damage to contents away from the home |
|
Credit/Debit cards |
$1,000 in total |
$1,000 in total |
|
Visitor's contents |
$1,000 in any one period of insurance |
$1,000 in total |
|
Replacement locks & keys |
$500 to replace or alter locks and keys to your home which are damaged by a person breaking into your home unlawfully. |
$1,000 to replace or alter locks and keys to your home which are damaged or stolen from anywhere in Australia. |
|
Legal Defence Costs |
Not covered |
$5,000 |
|
Landlords' contents |
10% of Building sum insured |
|
|
Inflation adjustment (Automatic Indexation) |
Yes |
Yes |
|
Compensation for death |
Not covered |
$10,000 |
|
Modifications to the Home |
Not covered |
$10,000 |
|
Loss of rent or Temporary accommodation |
15% of Building sum insured or up to 12 months whichever is the lesser |
15% of Building sum insured or up to 12 months whichever is the lesser |
|
Security firm attendance |
$500 for fees incurred in for security firm attendance in response to a monitored alarm system |
$500 for fees incurred in for security firm attendance in response to a monitored alarm system |
|
Voluntary Giving Protection |
$500 any one period of insurance where you have been retrenched from full time employment |
$500 any one period of insurance where you have been retrenched from full time employment |
|
Replacement/New for Old |
Yes, no age limit & no depreciation except fusion |
Yes, no age limit & no depreciation except fusion |
|
Legal Liability |
||
|
Geographical Limits |
Worldwide |
Worldwide |
|
Limit of Liability |
$20 million including legal expenses |
$20 million including legal expenses |
|
Personal Effects/Valuables - Optional Cover |
||
|
Jewellery & Valuables (Specified) |
Australia & New Zealand |
Australia & New Zealand |
|
Circle of Safety - Optional Cover |
||
|
Accidental damage to contents anywhere in Australia & New Zealand |
Cover for accidental damage - Building & Contents anywhere in Australia & New Zealand. Limit options include $1,000 any one item up to $2,000 in total or $1,500 anyone item limited to $5,000 in total. |
Covered |
|
Loss, damage or theft anywhere in Australia |
Yes |
Yes |
