Home & Contents Insurance

Home and contents insurance for owner occupied homes with options for specific listed events cover or comprehensive accidental loss or damage. Easy access to quote and bind via Calibrate, our Sunrise online delivery system.

    • Flood cover automatically included if the risk is accepted
    • Four types of cover, Extra Care & Extra Care Plus for defined events and Elite Care & Elite Care Plus for accidental loss or damage
    • Automatic CPI indexing of the sum insured in the event of a total loss claim
    • Temporary accommodation costs when the home can’t be lived in following an insured event covered by the policy
    • Automatic continuation of liability cover after total loss buildings or contents claim
    • Discounts for policy holder over 50 years of age
    • Discharge of mortgage costs in the event of a total loss buildings claim
    • Up to $5,000 for visitors’ possessions
  • Up to $500 veterinary expenses for a pet injured as a result of a road accident
  • Variable excess structure; $300 standard variable to $500 or $1,000

  • Owner occupied homes below the Tropic of Capricorn less than 80 years of age for brick homes and 50 years of age for timber homes
  • New home and contents risks up to $2m combined sum insured
  • Contents up to $300k sum insured

SPECIFIC COVER Extra Care
(Insured Events)
Extra Care Plus
(Insured Events)
Elite Care
(Accidental Loss or Damage)
Elite Care Plus
(Accidental Loss or Damage)
New for Old Yes Yes Yes Yes
Flood Cover Yes Yes Yes Yes
Legal Liability $20 milion $20 milion $20 milion $20 milion
Computers and Home Office Equipment $15,000 $25,000 $15,000 $25,000
Aggravated Theft $1,000 $1,000 No No
Fusion or power surge Yes Yes Yes Yes
Change of site 30 days 45 days 30 days 45 days
Pictures and works of art $5,000 any one item $25,000 any one item, unless specified $10,000 any one item $25,000 any one item, unless specified
Jewellery, furs, gold and silver objects $2,500 per item or in total 25% of Contents sum insured $5,000 per item or in total 25% of Contents sum insured $2,500 per item or in total 25% of Contents sum insured $10,000 per item or in total 25% of Contents sum insured
Breakage of fixed glass Yes Yes Yes Yes
Theft and misuse of credit cards $5,000 $5,000 $5,000 $5,000
Theft or damage to trees, plants or shrubs excl. storm or rainwater $500 per item; up to $3,000 in total $1,000 per item; up to $5,000 in total $500 per item; up to $5,000 in total $1,000 per item; up to $10,000 in total
Tools and Equipment $5,000 $5,000 $5,000 $5,000
Spoilage of perishable food $750 Limited to cause of fridge breakdown $1,000 Limited to cause of fridge breakdown
Temporary accommodation Yes Yes Yes Yes
Temporary removal of contents 20% of sum insured 25% of sum insured 20% of sum insured 25% of sum insured
Contents in the open air $2,000 any one item or in total 20% of Contents sum insured $5,000 any one item or in total 20% of Contents sum insured $2,000 any one item or in total 20% of Contents sum insured $10,000 any one item or in total 20% of Contents sum insured
Visitors possessions $5,000 $5,000 $5,000 $5,000
Building modifications to your home following serious injury $15,000 $25,000 $15,000 $25,000

* Cover is subject to the full terms, conditions, exclusions and limits contained in the Policy Wording and Product Disclosure Statement.

Are you a Steadfast Broker?
Downloads
Making a claim

Call – 1300 880 037
Emailcil@au.innovation-group.com
Fax – 1300 662 215
Postal Address – PO Box 7704, St Kilda Road, Melbourne VIC 3004

Claim form.

Online ordering

To order PDS supplies please visit our online ordering system. All orders are packed and dispatched within 48 hours and we aim to deliver the stock within 5 business days for metropolitan area and 10 business days for regional areas.