Home Buildings insurance is designed to cover the physical structures that make up your home, like the house itself, garage, sheds, swimming pool and decks. See the full list of what’s covered under Buildings insurance.

For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement (PDS) and any applicable supplementary PDS before making a decision to purchase the insurance. The Home Buildings and Home Contents Key Fact Sheets (KFS) also sets out some information about the cover.

What’s covered

Buildings Cover

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Buildings Cover

This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

What’s covered	What’s not covered
Structures
Your home building. Garages, carports, sheds. Granny flats (provided they are not tenanted for money, reward or other consideration). Pipes, cables, ducts, wires, meters and switches used in connection with the supply of water, drainage, sewerage, communication, electricity, cooling and heating. Water reticulation systems, hose, pipes, sprinklers, fittings, valves and controllers whether above or below ground - cover is limited to $5,000 in total for these items. Decks, verandas, pergolas, gazebos, patios and terraces. Gates, fences, free-standing walls and retaining walls. Paved paths and driveways. Swimming pools (permanently installed), fixed spas and saunas including their fixed accessories (excluding water). Tennis courts. Permanently installed water tanks, sewerage storage or treatment tanks (excluding water). Other structural improvements.	What’s not covered Structures Residential flats, home units or town houses, which are part of a strata title development. Unpaved paths or driveways, including those made of loose or compacted soil, gravel, pebbles, rocks or sand. Buildings that are not lived in (or will not be lived in) for more than 60 consecutive days unless you have our prior agreement in writing. Buildings under construction. Building materials located at the insured address which are to be fitted to the buildings. Any buildings you rent to tenants, for money, reward or other consideration unless you also live at the insured address. Any granny flat you rent to tenants for money, reward or other consideration. Wharves, jetties and pontoons. Liquids (including water, chemicals or gas) that are normally stored in a container or for use in items such as a spa, swimming pool or any fixed apparatus, tank, hose or pipe.

What’s covered	What’s not covered
Fixtures
Fixed ceiling, wall and floor coverings (except carpet or rugs), including fixed external blinds and awnings. Built-in furniture, clothes lines and built-in barbeques. Fixed domestic appliances that are permanently connected to electricity, gas or water, like: air conditioners & heating systems, ovens, dishwashers, hot water systems, fixed ceiling fans, light fittings, plumbed in refrigerators. Solar panels. Satellite dishes and antennas.	What’s not covered Fixtures Carpets, rugs and internal blinds. Go to Contents.

What’s covered	What’s not covered
Landscaping
Trees, shrubs, hedges and plants that are planted in the ground – $5,000 limit applies for all insured events except: storm, storm surge, cyclone, rainwater and run off; or flood, in which case a $500 limit applies.	What’s not covered Landscaping Loss or damage caused by tsunami. Grass or lawn (unless part of a tennis court).

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Buildings optional covers

Add any of these optional covers for an additional premium and greater cover.

Accidental damage cover

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Accidental damage cover

Available with both Buildings and Contents cover.

The Accidental damage cover option helps cover you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home buildings and/or contents

What’s covered	What’s not covered
Buildings and/or Contents
If you’ve insured your buildings, we’ll cover accidental damage or loss. If you’ve insured your contents, we’ll cover accidental damage or loss to any content items: at the insured address, and anywhere in Australia for up to 90 continuous days in any one period of insurance. General Contents with set limits will continue to apply	What’s not covered Buildings and/or Contents Loss or damage which is specifically excluded by any of the insured events set out in the PDS. Loss or damage caused by, or arising from: domestic animals or pets owned by you or for which you are legally responsible for, tree roots, settling, shrinkage or expansion in buildings, foundations, pavements or walls, removal or weakening, of, or interference with, support to land or buildings for the purpose of construction, alterations, extensions, renovations or repairs, incorrect siting of buildings, demolition of buildings ordered by any legal authority caused by failure to obtain any necessary permits. Also see General Exclusions in the PDS

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Disaster cover ³

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Disaster cover ³

Available for Buildings cover only or both Buildings and Contents cover.

Following a significant event that causes widespread property destruction, like cyclone, earthquake or flood, it is common for building costs to increase significantly when there is high demand for building services.

If you select Disaster cover, we will pay up to an additional 30% of your Buildings sum insured if the cost of repairing or replacing your buildings exceeds your sum insured following loss or damage caused by a named cyclone (including storm surge), flood or earthquake (including tsunami).

Disaster cover does not increase your Buildings sum insured. Any other additional benefits which are payable based on a percentage of the Buildings sum insured will not be increased as a result of this optional cover.

What’s covered	What’s not covered
Buildings and/or Contents
If we accept a claim for loss or damage caused by a named cyclone (including storm surge), flood or earthquake (including tsunami) that is declared to be a disaster event by us, the government or the Insurance Council of Australia, we will pay up to an additional 30% of your Buildings sum insured to: repair or replace your home, or pay you what it would cost us to repair or replace your home. No excess applies to this benefit	What’s not covered Buildings and/or Contents Loss or damage which is specifically excluded by any of the insured events set out in the PDS. Also see General Exclusions in the PDS

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What insured events you are covered for

No matter which cover you choose, TIO provides cover for a range of insured events.

Fire or smoke (including bushfires and grassfires)

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Fire or smoke (including bushfires and grassfires)

What’s covered	What’s not covered
Buildings and/or Contents
Loss or damage caused by: fire, bushfires and grassfires, or smoke.	What’s not covered Buildings and/or Contents Loss or damage: which arises gradually out of repeated exposure to fire or smoke, of an item that is designed to be exposed to heat, being exposed to heat during normal use – for example if a heat resistant item like a cooking appliance or fireplace is damaged during normal use, or to any property as a result of scorching and/or melting – for example cigarette burns. This exclusion does not apply if you’ve selected optional cover for Accidental Damage.

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Storm, storm surge², cyclone², rainwater or run-off

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Storm, storm surge², cyclone², rainwater or run-off

What’s covered	What’s not covered
Buildings and/or Contents
Loss or damage caused by: storm, storm surge, cyclone, rainwater, run-off (provided run-off is not combined with flood waters). *A 72-hour exclusion period applies for loss or damage caused by storm surge or cyclone. Loss or damage caused by or arising from: soil movement, including erosion, landslide, mudslide, or subsidence, if it is caused directly by and occurs within 72 hours of earthquake or tsunami.	What’s not covered Buildings and/or Contents Loss or damage caused by: flood or run-off combined with flood waters. But, you may be covered for these events under the Flood insured event, hydrostatic pressure, rainwater, run-off, hail, wind or water that enters your buildings through an open door, window or other opening (this exclusion does not apply to openings made by the storm or cyclone, or, if you’ve selected the optional cover Accidental damage and it is shown on your policy schedule). Loss or damage to: trees, shrubs, hedges and plants planted in the ground, gates, pathways, driveways, fences, freestanding walls or retaining walls, swimming pool and spa covers, their liners or solar domes, the external paintwork or other exterior coatings of the buildings caused by rainwater. The cost of cleaning mud or debris out of tanks, swimming pools or spas

Water or other liquid damage

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Water or other liquid damage

What’s covered	What’s not covered
Buildings and/or Contents
Loss or damage resulting directly from bursting, leaking, discharging or overflowing of any: domestic home appliances – for example a dishwasher or washing machine, fixed rainwater or hot water tanks, radiators and oil heaters, fixed pipes, gutters or drainpipes, sinks, baths or water carrying apparatus, waterbeds, aquariums designed to hold more than 20L swimming pools or spas. Buildings only If we have agreed to pay a claim for water or other liquid damage to your buildings and: we authorise any exploratory work to locate the source of the damage, we will pay those costs, you incur costs without our prior agreement, we will only pay the covered costs that we consider are reasonable.	What’s not covered Buildings and/or Contents Loss or damage: as a result of gradual escape of water or other liquid over time: where you or a reasonable person could be expected to have been aware of this, or from a shower base, shower recess, shower alcove or the walls surrounding the shower, caused by rust, corrosion, algae, mould or mildew. The cost of repair or replacement of: a defective part or parts that caused the loss or damage, or any broken main or pipe.

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Theft or burglary

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Theft or burglary

What’s covered	What’s not covered
Buildings
Loss or damage caused by actual or attempted theft or burglary. Up to $1,000 to replace the locks or cylinders of any external door or window if: the key is stolen, or there are reasonable grounds to believe that the key has been copied. No excess applies for the replacement of locks or cylinders. We will only pay for the replacement of locks or cylinders under one section of the policy (either Buildings or Contents, not both).	What’s not covered Buildings Where the actual or attempted theft or burglary is committed by: you or anyone who lives at the insured address (this exclusion does not apply to tenants who rent a separate dwelling at the insured address that you do not live in such as a granny flat), any person you (or anyone who lives at the insured address) invite into your home, any person who is acting with your express or implied consent, or any person who you employ at your home such as a cleaner, nanny, child-minder or gardener. The replacement of locks or cylinders which are insured by the body corporate or similar.

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Explosion

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Explosion

What’s covered	What’s not covered
Buildings and/or contents
Loss or damage caused by explosion. Loss or damage caused by or arising from: soil movement, including erosion, landslide, mudslide, or subsidence, if it is caused directly by and occurs within 72 hours of an explosion.	What’s not covered Buildings and/or Contents Loss or damage caused by terrorism.

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Accidental breakage of glass or ceramic items

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Accidental breakage of glass or ceramic items

What’s covered	What’s not covered
Buildings
Accidental breakage of a fixed glass or ceramic item, like a window, cooking surface or toilet.	What’s not covered Buildings Tiled shower bases. Cracks, scratches or chips in any item. Glass forming part of any glass-house, greenhouse or conservatory.

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Impact damage

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Impact damage

What’s covered	What’s not covered
Buildings and/or contents
Loss of damage caused by impact from: any motor vehicle, train or watercraft, an external aerial or satellite dish which collapses or breaks, an aircraft, or anything dropped or falling from an aircraft, space debris or debris from a rocket or satellite, any animal, excluding any animal kept in your home buildings as a domestic pet, or falling trees or parts of trees.	What’s not covered Buildings and/or Contents Loss or damage caused by you or anyone you give consent to, cutting or chopping trees, or parts of trees, at the insured address. The cost of removing trees or branches if no damage has occurred to your buildings or contents. The cost of removing tree stumps, unless the tree stump is required to be removed to allow for repair or rebuilding of covered loss or damage.

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Vandalism or malicious damage

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Vandalism or malicious damage

What’s covered	What’s not covered
Buildings and/or contents
Loss or damage caused by vandalism or a malicious act.	What’s not covered Buildings and/or Contents Where the vandalism or malicious act was: you or anyone who lives at the insured address with you (this exclusion does not apply to tenants who rent a separate dwelling at the insured address that you do not live in such as a granny flat), any person you (or anyone who lives with you at the insured address) invite into your home, any person you employ to do work for you in your home buildings, like a cleaner, nanny, child-minder or gardener, or anyone acting with your express or implied consent. If the vandalism or malicious act related to contents in the internal or external common areas of flats, home units, town houses or any type of multiple occupancy residences whether part of a strata title development or not.

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Lightning

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Lightning

What’s covered	What’s not covered
Buildings and/or contents
Loss of damage caused by lightning.

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Earthquake or tsunami

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Earthquake or tsunami

What’s covered	What’s not covered
Buildings and/or contents
Loss or damage caused by earthquake or tsunami. Loss or damage caused by or arising from: soil movement, including erosion, landslide, mudslide, or subsidence. if it is caused directly by and occurs within 72 hours of an earthquake or tsunami. An additional excess of $250 on top of any other excess payable under the policy applies to each earthquake and/or tsunami (including a series of earthquakes and/or tsunamis) that occurs during any consecutive 48-hour period.	What’s not covered Buildings and/or Contents Loss or damage caused by actions of the sea.

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Riot or civil commotion

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Riot or civil commotion

What’s covered	What’s not covered
Buildings and/or contents
Loss or damage caused by a riot or civil commotion.	What’s not covered Buildings and/or Contents Loss or damage caused by terrorism.

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Flood²

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Flood²

What’s covered	What’s not covered
Buildings and/or contents
Loss or damage caused by: flood, flood water, combined with run-off and rainwater. Loss or damage caused by or arising from: soil movement, including erosion, landslide mudslide, or subsidence, if it is caused directly by and occurs within 72 hours of a flood. *A 72-hour exclusion period applies for loss or damage caused by flood or flood water combined with run-off and rain-water – see the PDS for full details	What’s not covered Buildings and/or Contents Loss or damage caused by: actions of the sea or tsunami. But, you may be covered for tsunami under the Earthquake or tsunami insured event – see PDS for full details. soil movement including erosion, landslide, mudslide or subsidence – unless it is directly caused by, and occurs within 72 hours of the flood, shrinkage or expansion of earth or land, hydrostatic pressure. Loss or damage to: gates, pathways, driveways, fences, freestanding walls or retaining walls, swimming pool and spa covers, their liners or their solar domes. The cost of cleaning mud or debris out of tanks, swimming pools or spas.

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Motor burnout

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Motor burnout

What’s covered	What’s not covered
Buildings and/or contents
Damage caused by an electrical current to a domestic household electrical motor (including sealed or semi-sealed refrigeration units). Damage caused by an electrical current to a surge protector that is installed and in use at the time the damage occurs. You will not be required to pay an excess if the damage is limited to the surge protector only.	What’s not covered Buildings and/or Contents You won’t be covered for: any associated repair or replacement costs for items such as fuses, switches, electronic components, printed circuit boards, bearings, lighting or heating elements, protection devices, or electrical contacts at which sparking or arcing occurs in ordinary working, any hire costs associated with a replacement appliance, the cost of repair or replacement of rectifiers and transformers, motors under any warranty or manufacturers’ guarantee, motors more than 10 years old, electric motors in any tools of trade.

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Buildings cover – additional benefits

We want to make sure that your policy offers you great features. So, if we agree to pay a claim for loss or damage to your buildings, we may also cover you for the following additional benefits. In most cases additional benefits are paid in addition to your Buildings sum insured.

No excess applies for these benefits.

In order to be sure that you are covered under this policy you should always contact us for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred to the amount we would have authorised had you asked us first.

Alternative accommodation for you and your pets

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Alternative accommodation for you and your pets

If your home building is damaged by an insured event during the period of insurance to such an extent that you can’t live in it, we’ll pay the rental costs for accommodation for you and your pets for the period it reasonably takes, to repair or rebuild your home building. This is an extra amount, paid in additional to your Buildings sum insured. No excess applies to this benefit.

If we have paid any additional alternative accommodation under the contents section of your policy we will not pay for any additional alternative accommodation costs under the Buildings section.

When we pay	How much we will pay	What’s covered?
We will pay this benefit when: you were living in the buildings when the insured event took place, and the loss or damage means your home buildings are unable to be lived in.	How much we will pay We will pay: the weekly rent equivalent to your building’s rentable value prior to the damage, up to 10% of your Buildings sum insured in total, and up to $500 for temporary accommodation for your pets in a commercial boarding establishment.	What’s covered? For a time necessary, up to a maximum of 12 months.

Did you know?

We will consider your home is unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and you cannot live in the home.

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Making your buildings environmentally friendly

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Making your buildings environmentally friendly

If your buildings are totally destroyed and need to be rebuilt and you do not already have the relevant environmental equipment, we’ll help you make the new buildings more environmentally friendly.

This is an extra amount, paid in addition to your Buildings sum insured. No excess applies to this benefit.

When we pay	How much we will pay	What’s covered?
We will pay this benefit when: your buildings are totally destroyed by an insured event, and we have approved these costs before they are incurred.	How much we will pay We will pay up to $5,000 after deduction of any government or council rebates.	What’s covered? The environmental systems covered by this benefit are: rainwater tanks, solar power systems (including solar hot water systems or photo-voltaic (PV) power systems), hot water heat exchange systems, and grey water recycling systems.

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Debris removal

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Debris removal

We’ll pay the reasonable and necessary costs of demolition and removing debris from your insured address. This is an extra amount, paid in addition to your Buildings sum insured. No excess applies to this benefit.

When we pay	How much we will pay	What’s covered?
We will pay this benefit when we have approved these costs before they are incurred. Please contact us to confirm approval.	How much we will pay We will pay up to 10% of the Buildings sum insured.	What’s covered? Costs that relate directly to removing debris from the destroyed or damaged part of the buildings. We will not pay for the cost of cleaning mud or debris out of tanks, swimming pools or spas after a storm, cyclone, rainwater or run-off or flood.

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Building modifications

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Building modifications

If you become permanently paraplegic or quadriplegic as a direct result of an insured event that damaged or destroyed your home buildings, we’ll pay for the cost to modify your buildings.

This amount is included in your Buildings sum insured. No excess applies to this benefit.

When we pay	How much we will pay	What’s covered?
We will pay this benefit when: you were living in the building when the insured event took place, and we receive confirmation of your paraplegia or quadriplegia from a registered medical practitioner.	How much we will pay We will pay up to $10,000.	What’s covered? Modifications to make your home building accessible for your disability.

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Rebuilding and professional fees

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Rebuilding and professional fees

If you need to rebuild your home buildings after total loss or damage, we’ll help pay the costs of architects, engineers, surveyors and solicitors.

This is an extra amount, paid in addition to your Buildings sum insured. No excess applies to this benefit.

When we pay	How much we will pay	What’s covered?
We will pay this benefit when we have approved these costs before they are incurred. Please contact us to confirm approval.	How much we will pay We will pay up to $5,000.	What’s covered? The reasonable and necessary costs of architects’, engineers’, surveyors’ and solicitors’ fees. The costs must relate directly to the rebuilding of destroyed or damaged buildings.

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Building code compliance costs

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Building code compliance costs

If you need to rebuild your home buildings after loss or damage, we’ll help pay the costs of complying with any statutory requirements.

This is an extra amount, paid in addition to your Buildings sum insured. No excess applies to this benefit.

When we pay	How much we will pay	What’s covered?
We will pay this benefit when we have approved these costs before they are incurred. Please contact us to confirm approval.	How much we will pay We will pay up to $5,000.	What’s covered? The reasonable and necessary costs of meeting the requirements of any statutory authority that relate directly to the destroyed or damaged part of the buildings. We will not pay for the costs of complying with the requirements of any statutory authority if you received notice of the requirements or were aware of them before the loss or damage occurred.

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Home contents insurance is designed to cover belongings that you have at your home – from furniture, appliances and white goods to personal belongings like computers, clothing and shoes. It also covers your carpets and window furnishings.

What’s covered

General Contents

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General Contents

What are your ‘general contents’? These are things you own and that you are legally responsible for, like your furniture, white goods, electrical appliances, clothing, linen and crockery – even carpets.

What’s covered	What’s not covered
Carpets and loose floor coverings. Curtains and internal blinds. Furnishings and furniture. General contents with set limits. General household goods (like plates, glasses, towels, sheets). White goods (like fridges and washing machines) unless fixtures or covered by Buildings cover. Electrical appliances and computers. Laptops, tablets, mobile phones, portable computers and their accessories. Computer hardware and software which are commonly used for personal purposes. Smart watches and other wearable technology. Handheld games consoles and their accessories. Portable GPS devices and their accessories. Clothing and shoes. Suitcases and bags, handbags, briefcases, wallets and purses, (but not their contents, unless they’re also listed here). Cosmetics and toiletries. Binoculars or telescopes. Spectacles and sunglasses. Sporting and fishing equipment (but not when being used). Firearms (but not when being used). Bicycles (but not when being used). Watercraft including canoes, kayaks, sailboards, surfboards, surf skis and other non-motorised water craft less than 4m in length (but not when being used). Watercraft less than 4 metres in length that are powered by a motor less than 10hp, or propelled by a sail, or designed to be propelled by a sail. Drones and other remotely or autonomously piloted aircraft (covered only when not in use and not used for business). Tools and equipment (see PDS for business use limits). Musical instruments (see PDS for business use limits). External medical aids and devices including wheelchairs and mobility scooters. Mechanically propelled garden appliances, motorised golf buggies and ride-on lawn mowers that are not required to be registered by law. Motorcycles, scooters, segways, quad bikes or mini bikes up to 125cc engine capacity that are not required to be registered by law. Food and medicine. Pot plants. Swimming pools, saunas and spas (including their fixed accessories) which are designed to be dismantled and moved (excludes water). Where your insured address is a strata title development, fixtures, fittings and/or structural improvements for which you are legally responsible or which are owned by you and which are not insurable by the body corporate. Where you are a tenant any structures or fittings for which you are legally responsible as per any lease agreement.	What’s not covered Money, cheques or other negotiable instruments belonging to your business, trade or profession. Animals, birds, fish, insects, reptiles or spiders. Trees, shrubs, hedges and plants growing outdoors in the ground. Motor vehicles, including their keys. Motorcycles, scooters, segways, quad bikes or mini bikes with an engine capacity above 125cc or that are required to be registered by law. Farm vehicles, farm trailers, farming implements. Caravans or trailers. Boats and other watercraft (4 metres or longer). Aircraft, other than model aircraft without flying capacity. Liquids (including water, chemicals or gas) that are normally stored in a container or for use in items such as a spa, swimming pool or any fixed apparatus, tank, hose or pipe. Cracked glass or screens in laptops, mobile phones, computers or their accessories where this is the only damage to the item. Drones and other remotely or autonomously piloted aircraft, when in use, used for business or that are not at the insured address.

What’s covered

What’s not covered

Carpets and loose floor coverings.
Curtains and internal blinds.
Furnishings and furniture.
General contents with set limits.
General household goods (like plates, glasses, towels, sheets).
White goods (like fridges and washing machines) unless fixtures or covered by Buildings cover.
Electrical appliances and computers.
Laptops, tablets, mobile phones, portable computers and their accessories.
Computer hardware and software which are commonly used for personal purposes.
Smart watches and other wearable technology.
Handheld games consoles and their accessories.
Portable GPS devices and their accessories.
Clothing and shoes.
Suitcases and bags, handbags, briefcases, wallets and purses, (but not their contents, unless they’re also listed here).
Cosmetics and toiletries.
Binoculars or telescopes.
Spectacles and sunglasses.
Sporting and fishing equipment (but not when being used).
Firearms (but not when being used).
Bicycles (but not when being used).
Watercraft including canoes, kayaks, sailboards, surfboards, surf skis and other non-motorised water craft less than 4m in length (but not when being used).
Watercraft less than 4 metres in length that are powered by a motor less than 10hp, or propelled by a sail, or designed to be propelled by a sail.
Drones and other remotely or autonomously piloted aircraft (covered only when not in use and not used for business).
Tools and equipment (see PDS for business use limits).
Musical instruments (see PDS for business use limits).
External medical aids and devices including wheelchairs and mobility scooters.
Mechanically propelled garden appliances, motorised golf buggies and ride-on lawn mowers that are not required to be registered by law.
Motorcycles, scooters, segways, quad bikes or mini bikes up to 125cc engine capacity that are not required to be registered by law.
Food and medicine.
Pot plants.
Swimming pools, saunas and spas (including their fixed accessories) which are designed to be dismantled and moved (excludes water).
Where your insured address is a strata title development, fixtures, fittings and/or structural improvements for which you are legally responsible or which are owned by you and which are not insurable by the body corporate.
Where you are a tenant any structures or fittings for which you are legally responsible as per any lease agreement.

What’s not covered

Money, cheques or other negotiable instruments belonging to your business, trade or profession.
Animals, birds, fish, insects, reptiles or spiders.
Trees, shrubs, hedges and plants growing outdoors in the ground.
Motor vehicles, including their keys.
Motorcycles, scooters, segways, quad bikes or mini bikes with an engine capacity above 125cc or that are required to be registered by law.
Farm vehicles, farm trailers, farming implements.
Caravans or trailers.
Boats and other watercraft (4 metres or longer).
Aircraft, other than model aircraft without flying capacity.
Liquids (including water, chemicals or gas) that are normally stored in a container or for use in items such as a spa, swimming pool or any fixed apparatus, tank, hose or pipe.
Cracked glass or screens in laptops, mobile phones, computers or their accessories where this is the only damage to the item.
Drones and other remotely or autonomously piloted aircraft, when in use, used for business or that are not at the insured address.

General contents with set limits

For some items, we place a maximum limit on how much you can be covered for. These limits are listed in the tables below. If you need to insure general contents with set limits for more than the policy limits shown below, you may be able to list them separately on your policy schedule as Specified Contents (see the table below if it is possible to increase the limit on specified items) for cover at the insured address only or as Listed Portable Contents for cover at the insured address and anywhere in the world (up to 120 days continuous cover outside Australia per period of insurance).

General contents with set limits

Limits

Option to increase limits

Jewellery, watches (except smart watches) or items containing gold or silver,	$2,500 per item, set or collection – up to $7,500 in total for each category of the items, sets or collections listed in this section
Cameras and photographic equipment and accessories,
Collections or sets, like stamps, memorabilia, documents, medals or coins,
Pictures, painting, works of art, antiques or Oriental rugs.
Commercially recorded or downloaded media content, including audio, video, phone or tablet applications and games,	$2,000 in total
Spare parts or accessories (excluding keys) which are not fitted or being used for the following: motor vehicles, farm vehicles, caravans and trailers, watercraft, aircraft.	$2,000 in total
Money, cheques, and other negotiable instruments.	$2,000 in total
Contents intended to be kept outside, like your barbeque, outdoor furniture and children’s play equipment,	$2,000 in total
Contents in a locked storage cage in the basement of a strata title development at the insured address,	$2,000 in total
Laptops, tablets, mobile phone, portable computers and their accessories (see optional listed portable contents cover of the PDS for ways to increase limits on these items),	$1,500 in total
Smart watches and other wearable technology (see optional listed portable contents cover in the PDS for ways to increase limits on these items),	$1,500 in total
Firearms used by you for sporting or recreational purposes while stored at the insured address only (but not when being used),	$1,000 in total
Drones and other remotely or autonomously piloted aircraft (covered only when not in use and not used for business).	$1,500 in total
Specific equipment used for business trade, or professional purposes, including: Computers, hardware and software, tools or musical instruments, photographic equipment.	$1,500 per item, up to $10,000 in total
Stock for business, trade or professional purposes.	$1,500 total

Did you know?

Your Contents are only covered while they are at your insured address unless you take out Portable contents cover and/or Accidental damage cover.

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Contents optional covers

Add any of these optional covers for an additional premium and greater cover.

Accidental damage cover

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Accidental damage cover

Available with both Buildings and Contents cover.

The Accidental damage cover option helps cover you in the event of accidental and unexpected mishaps that are caused unintentionally – giving you greater coverage for your home buildings and/or contents.

What’s covered	What’s not covered
Buildings and/or Contents
If you’ve insured your buildings, we’ll cover accidental damage or loss. If you’ve insured your contents, we’ll cover accidental damage or loss to any content items: at the insured address, and anywhere in Australia for up to 90 continuous days in any one period of insurance. General Contents with set limits will continue to apply.	What’s not covered Buildings and/or Contents Loss or damage which is specifically excluded by any of the insured events set out in the PDS. Loss or damage caused by, or arising from: domestic animals or pets owned by you or for which you are legally responsible for, tree roots, settling, shrinkage or expansion in buildings, foundations, pavements or walls, removal or weakening, of, or interference with, support to land or buildings for the purpose of construction, alterations, extensions, renovations or repairs, incorrect siting of buildings, demolition of buildings ordered by any legal authority caused by failure to obtain any necessary permits. Also see General Exclusions in the PDS

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Portable Contents

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Portable Contents

Available with Contents cover only or both Buildings and Contents cover.

Portable contents are items designed to leave your insured address with you (such as a handbag, wallet, suitcase or musical instrument) or on you (such as spectacles, sunglasses, jewellery or clothing).

If you choose this option, we’ll cover you for loss or damage to your portable contents caused by theft or an accident at the insured address and anywhere in the world. Cover outside of Australia is limited to 120 continuous days in any period of insurance.

Choose from two types of portable contents cover (or choose both). Select the option below to see what’s covered (or not covered).

Unlisted portable contents Listed portable contents

Unlisted Portable contents

Choose from the available limits of cover per item and with a combined total sum insured for all items per claim for unlisted portable contents, without having to individually list these items.

Unlisted Portable contents limits

You can select from one of the three limit options below for your unlisted portable content items

Up to $500 per item / up to $2000 per claim
Up to $750 per item / up to $5000 per claim
Up to $1000 per item / up to $7500 per claim
Up to $1500 per item / up to $7500 per claim
Up to $2000 per item / up to $7500 per claim

What’s covered	What’s not covered
Unlisted portable contents
Suitcases and bags, handbags, briefcases, wallets and purses, (but not their contents, unless they’re listed below). Clothing and shoes. Jewellery and watches (except smart watches). Cosmetics and toiletries. Bicycles (but not while being used). Sporting and fishing equipment (but not while being used). Musical instruments. Cameras and photographic equipment and their accessories. Binoculars or telescopes. Spectacles and sunglasses.	What’s not covered Unlisted portable contents All excluded general contents – see the PDS for details. Firearms. Laptops, tablets, mobile phones, smart watches and other wearable technology (see Listed Portable Contents for cover). Any item used for business, or to earn an income. Any other item not specifically mentioned in the ‘What’s covered’ list. Any item that is or must be listed as a listed portable content item.

Listed portable contents

You can ask us to cover specific portable contents separately for their full value. In all cases, you must specifically list each of the following items on your policy, along with its full replacement value.

What’s covered	What’s not covered
Listed portable contents
Any items in the Unlisted Portable Contents list which you’d like to cover for more than the per item limit offered. Laptops, tablets, mobile phones, portable computers and their accessories. Smart watches and other wearable technology. Handheld game consoles and their accessories. Portable GPS devices and their accessories. External medical aids and devices including wheelchairs and mobility scooters.	What’s not covered Listed portable contents All excluded general contents – see the PDS for details. Any items used for business, or to earn an income. Any other item not specifically mentioned in the ‘What’s covered’ list. Cracked glass or screens where there is no other damage.

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What insured events you are covered for

No matter which cover you choose, TIO provides cover for a range of insured events.

Fire or smoke (including bushfires and grassfires)

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Fire or smoke (including bushfires and grassfires)

What’s covered	What’s not covered
Buildings and/or Contents
Loss or damage caused by: fire, bushfires and grassfires, or smoke.	What’s not covered Buildings and/or Contents Loss or damage: which arises gradually out of repeated exposure to fire or smoke, of an item that is designed to be exposed to heat, being exposed to heat during normal use – for example if a heat resistant item like a cooking appliance or fireplace is damaged during normal use, or to any property as a result of scorching and/or melting – for example cigarette burns. This exclusion does not apply if you’ve selected optional cover for Accidental Damage.

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Storm, storm surge², cyclone², rainwater or run-off

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Storm, storm surge², cyclone², rainwater or run-off

What’s covered	What’s not covered
Buildings and/or Contents
Loss or damage caused by: storm, storm surge, cyclone, rainwater, run-off (provided run-off is not combined with flood waters). A 72-hour* exclusion period applies for loss or damage caused by storm surge or cyclone. Loss or damage caused by or arising from: soil movement, including erosion, landslide, cyclone, mudslide, or subsidence, if it is caused directly by and occurs within 72 hours* of a storm or storm surge.	What’s not covered Buildings and/or Contents Loss or damage caused by: flood or run-off combined with flood waters. But, you may be covered for these events under the Flood insured event, hydrostatic pressure, rainwater, run-off, hail, wind or water that enters your buildings through an open door, window or other opening (this exclusion does not apply to openings made by the storm or cyclone, or, if you’ve selected the optional cover Accidental damage and it is shown on your policy schedule). Loss or damage to: trees, shrubs, hedges and plants planted in the ground, gates, pathways, driveways, fences, freestanding walls or retaining walls, swimming pool and spa covers, their liners or solar domes, the external paintwork or other exterior coatings of the buildings caused by rainwater. The cost of cleaning mud or debris out of tanks, swimming pools or spas.

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Water or other liquid damage

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Water or other liquid damage

What’s covered	What’s not covered
Buildings and/or Contents
Loss or damage resulting directly from bursting, leaking, discharging or overflowing of any: domestic home appliances – for example a dishwasher or washing machine, fixed rainwater or hot water tanks, radiators and oil heaters, fixed pipes, gutters or drainpipes, sinks, baths or water carrying apparatus, waterbeds, aquariums designed to hold more than 20L swimming pools or spas.	What’s not covered Buildings and/or Contents Loss or damage: as a result of gradual escape of water or other liquid over time: where you or a reasonable person could be expected to have been aware of this, or from a shower base, shower recess, shower alcove or the walls surrounding the shower, caused by rust, corrosion, algae, mould or mildew. The cost of repair or replacement of: a defective part or parts that caused the loss or damage, or any broken main or pipe.

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Theft or burglary

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Theft or burglary

What’s covered	What’s not covered
Contents
Loss or damage caused by actual or attempted or burglary. Up to $500 towards the cost of a security firm callout to your home in response to a monitored alarm signal if we have agreed to pay a related claim for theft or burglary of your contents. Up to $1,000 to replace the locks or cylinders of any external door or window if: the key is stolen, or there are reasonable grounds to believe that the key has been copied. No excess applies for the replacement of locks or cylinders. We will only pay for the replacement of locks or cylinders under one section of the policy (either Buildings or Contents, not both).	What’s not covered Contents Where the actual or attempted theft or burglary is committed by: you or anyone who lives at the insured address (this exclusion does not apply to tenants who rent a separate dwelling at the insured address that you do not live in such as a granny flat), any person you (or anyone who lives at the insured address) invite into your home, any person who is acting with your express or implied consent, or any person who you employ at your home such as a cleaner, nanny, child-minder or gardener. The replacement of locks or cylinders which are insured by the body corporate or similar. Loss or damage to contents in the internal or external common areas of flats, home units, town houses or any type of multiple occupancy residences whether part of a strata title development or not. However this exclusion does not apply to contents in a locked storage cage in the basement of a strata title development at the insured address.

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Explosion

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Explosion

What’s covered	What’s not covered
Buildings and/or contents
Loss or damage caused by explosion. Loss or damage caused by or arising from: soil movement, including erosion, landslide, mudslide, or subsidence, if it is caused directly by and occurs within 72 hours of an explosion.	What’s not covered Buildings and/or contents Loss or damage caused by terrorism.

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Accidental breakage of glass or ceramic items

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Accidental breakage of glass or ceramic items

What’s covered	What’s not covered
Contents
Accidental breakage of glass that forms part of the contents (including fixed or unfixed table tops and hanging wall mirrors). If you are a tenant in a rental property, we will also pay for accidental breakage of a fixed glass or ceramic item, like a window, cooking surface, sink or toilet if you are legally liable as a tenant to pay for the breakage.	What’s not covered Contents Glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets. Glass in items such as crockery, porcelain, china, hand mirrors, glassware, crystal or glass in clocks, vases and ornaments. Cracks, scratches or chips in any item.

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Impact damage

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Impact damage

What’s covered	What’s not covered
Buildings and/or contents
Loss of damage caused by impact from: any motor vehicle, train or watercraft, an external aerial or satellite dish which collapses or breaks, an aircraft, or anything dropped or falling from an aircraft, space debris or debris from a rocket or satellite, any animal, excluding any animal kept in your home buildings as a domestic pet, or falling trees or parts of trees.	What’s not covered Buildings and/or contents Loss or damage caused by you or anyone you give consent to, cutting or chopping trees, or parts of trees, at the insured address. The cost of removing trees or branches if no damage has occurred to your buildings or contents. The cost of removing tree stumps, unless the tree stump is required to be removed to allow for repair or rebuilding of covered loss or damage.

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Vandalism or malicious damage

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Vandalism or malicious damage

What’s covered	What’s not covered
Buildings and/or contents
Loss or damage caused by vandalism or a malicious act.	What’s not covered Buildings and/or contents Where the vandalism or malicious act was by: you or anyone who lives at the insured address with you (this exclusion does not apply to tenants who rent a separate dwelling at the insured address that you do not live in such as a granny flat), any person you (or anyone who lives with you at the insured address) invite into your home, any person you employ to do work for you in your home buildings, like a cleaner, nanny, child-minder or gardener, or anyone acting with your express or implied consent. If the vandalism or malicious act related to contents in the internal or external common areas of flats, home units, town houses or any type of multiple occupancy residences whether part of a strata title development or not.

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Lightning

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Lightning

What’s covered	What’s not covered
Buildings and/or contents
Loss of damage caused by lightning.

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Earthquake or tsunami

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Earthquake or tsunami

What’s covered	What’s not covered
Buildings and/or contents
Loss or damage caused by earthquake or tsunami. Loss or damage caused by or arising from: soil movement, including erosion, landslide, mudslide, or subsidence, if it is caused directly by and occurs within 72 hours of an earthquake or tsunami. An additional excess of $250 on top of any other excess payable under the policy applies to each earthquake and/or tsunami (including a series of earthquakes and/or tsunamis) that occurs during any consecutive 48-hour period.	What’s not covered Buildings and/or contents Loss or damage caused by actions of the sea.

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Riot or civil commotion

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Riot or civil commotion

What’s covered	What’s not covered
Buildings and/or contents
Loss or damage caused by a riot or civil commotion.	What’s not covered Buildings and/or contents Loss or damage caused by terrorism.

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Flood²

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Flood²

What’s covered	What’s not covered
Buildings and/or contents
Loss or damage caused by: flood, flood water, combined with run-off and rainwater. Loss or damage caused by or arising from: soil movement, including erosion, landslide mudslide, or subsidence, if it is caused directly by and occurs within 72 hours of a flood. *A 72-hour exclusion period applies for loss or damage caused by flood or flood water combined with run-off and rain-water – see the PDS for full details	What’s not covered Buildings and/or contents Loss or damage caused by: actions of the sea or tsunami. But, you may be covered for tsunami under the Earthquake or tsunami insured event – see PDS for full details. soil movement including erosion, landslide, mudslide or subsidence – unless it is directly caused by, and occurs within 72 hours of the flood, shrinkage or expansion of earth or land, hydrostatic pressure. Loss or damage to: gates, pathways, driveways, fences, freestanding walls or retaining walls, swimming pool and spa covers, their liners or their solar domes. The cost of cleaning mud or debris out of tanks, swimming pools or spas.

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Motor burnout

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Motor burnout

What’s covered	What’s not covered
Buildings and/or contents
Damage caused by an electrical current to a domestic household electrical motor (including sealed or semi-sealed refrigeration units). Damage caused by an electrical current to a surge protector that is installed and in use at the time the damage occurs. You will not be required to pay an excess if the damage is limited to the surge protector only.	What’s not covered Buildings and/or contents You won’t be covered for: any associated repair or replacement costs for items such as fuses, switches, electronic components, printed circuit boards, bearings, lighting or heating elements, protection devices, or electrical contacts at which sparking or arcing occurs in ordinary working, any hire costs associated with a replacement appliance, the cost of repair or replacement of rectifiers and transformers, motors under any warranty or manufacturers’ guarantee, motors more than 10 years old, electric motors in any tools of trade.

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Contents cover – additional benefits

We want to make sure that your policy offers you great features. Unless we have stated differently under one of the additional benefits listed below, the benefit will only apply where we have accepted a claim for loss or damage caused by an insured event.

Some of the following additional benefits are paid in addition to your Contents sum insured. Check each of the additional benefits for details.

In most cases, no excess applies for these benefits, unless stated otherwise.

Additional costs of alternative accommodation for you and your pets

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Additional costs of alternative accommodation for you and your pets

If your contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, we pay a benefit to help you pay for alternative accommodation.

This is an extra amount, paid in addition to your Contents sum insured. No excess applies to this benefit.

If we have paid for alternative accommodation under the Buildings section of your policy we will not pay any additional alternative accommodation costs under the contents section.

When we pay	How much we will pay	What’s covered?
We will pay this benefit when: your contents are damaged by an insured event and your home buildings are unable to be lived in, and you were living in the buildings when the insured event took place.	How much we will pay We will pay: the additional cost you have to pay for temporary accommodation, based on your building’s rentable value prior to the damage, up to 10% of your Contents sum insured in total; and up to $500 for temporary accommodation for your pets in a commercial boarding establishment.	What’s covered? For a time we agree is reasonably necessary to repair or replace your contents, up to a maximum of 12 months.

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Moving house – Contents cover at your old and new address
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Content Cover

Moving house – Contents cover at your old and new address

If you are moving house, we’ll cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. To be covered:

you must be permanently moving to a new address in the Northern Territory,

you need to let us know within 14 days of starting to move, and tell us your new address. You will not be covered if you do not notify us of the permanent removal of your contents and provide details of the new address within 14 days of moving to your new address, and

your contents need to be contained in the buildings at either your old or new address. We will not cover you for loss or damage whilst your contents are in transit (unless you have Accidental damage cover, see PDS for more details).

This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).
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Debris removal

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Debris removal

We’ll pay the reasonable costs of removing debris from your home building if your contents are damaged or destroyed by an insured event.

This is an extra amount, paid on top of your Contents sum insured. No excess applies to this benefit.

When we pay	How much we will pay	What’s covered?
We will pay this benefit when we have approved these costs before they are incurred. Please contact us to confirm approval.	How much we will pay We will pay up to 10% of the Contents sum insured.	What’s covered? The cost of removing debris that is a direct result of the insured event

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Food or medicine spoilage

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Food or medicine spoilage

If your fridge or freezer breaks down and you lose your perishable food or medicine as a result, we’ll pay for you to replace it up to a maximum of $1,000. A claim may be made under this additional benefit whether or not you have made a claim for loss or damage to your contents caused by an insured event. If you make a claim for this benefit, your standard excess will apply except in the circumstances provided below. However, if the spoilage is due to a natural disaster (as declared by us, the government or the Insurance Council of Australia), then the maximum we’ll pay is $500. In this case, no excess applies and your No Claim Bonus will not be affected if your loss is limited to food or medicine spoilage only.

What’s covered	What’s not covered
Spoilage of perishable food or medicine in a domestic refrigerator, freezer or deep freeze unit caused by: an insured event, breakdown or failure of the unit or any of its components, escape of refrigerant or fumes, or accidental failure of the public electricity supply to the buildings occurring during the period of insurance.	What’s not covered Spoilage of perishable food or medicine caused by: industrial action, a deliberate act of a power supply authority, accidental or deliberate disconnection or switching off of the electricity supply by you, the breakdown or failure of any motor more than 10 years old, or accidental damage to the motor.

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Emergency contents storage

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Emergency contents storage

If your home building is unable to be lived in, we’ll pay to move and store your contents.

When we pay	How much we will pay	What’s covered?
We will pay this benefit when the home building you live in is damaged by an insured event and is unable to be lived in.	How much we will pay We will reimburse the reasonable costs to move and store your undamaged contents while the building is repaired or rebuilt or you find alternative accommodation. The maximum we will pay is the balance of your Contents sum insured, after we have paid any claim for damage to your contents.	What’s covered? The time necessary to repair or rebuild your home building, or until you find alternative accommodation, up to a maximum of 12 months.

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Vet costs
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Content Cover

Vet costs

If you have insured your contents and your cat or dog is injured in a road accident during the period of insurance, we will pay up to $500 in any one period of insurance for related veterinary expenses. A claim may be made under this additional benefit whether or not you have made a claim for loss or damage to your contents caused by an insured event.

No excess applies to this benefit.

This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

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Guest, visitor and domestic helper property

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Guest, visitor and domestic helper property

We also provide cover for property belonging to your guests, visitors and domestic helpers, if it is lost or damaged as a result of an insured event that you are claiming for.

This amount is included in your sum insured. No excess applies to this benefit.

When we pay	How much we will pay	What’s covered?
We will pay this benefit when: property belonging to your guests, visitors or domestic helpers is lost or damaged by the same insured event, and the property was in your home building at the time, and we would have paid a claim, had the property belonged to you.	How much we will pay We will pay up to $5,000.	What’s covered? The cost to repair or replace your guests’, visitors’ or domestic helpers’ property, up to the maximum amount. We won’t pay for property that is: covered by another insurance policy, money, cheques or other negotiable instruments, or excluded under this policy.

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Did you know

You must tell us as soon as reasonably possible if, during the period of insurance, your building has not been lived in (or will not be lived in) for more than 60 consecutive days.

You must tell us as soon as reasonably possible if, during the period of insurance, you begin any alterations, additions, demolitions, repairs to or decorations of the buildings expected to cost more than $75,000.

You must tell us as soon as reasonably possible if, during the period of insurance, you start using any part of your home buildings for business, trade or professional purposes (except for a home office).

You must tell us as soon as reasonably possible if, during the period of insurance, you remove or stop using any security devices that were specifically required by us.

We will consider your home unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and you cannot live in the home.

Home Buildings and Contents Insurance

Save up to 10% when you combine Building and Contents cover on the one Home Insurance policy 1,4

Save up to 10% when you combine Building and Contents Insurance on the one Home Insurance policy 1,4

Home Insurance

Watch our short video to understand the differences between Buildings and Contents insurance.

What’s covered in your Home Insurance?

To find out what is covered under Buildings or Contents insurance click between the buttons. To make our coverage easier to understand, we have also included the events that are covered (or not) under your insurance.

What’s covered

Buildings Cover

Buildings Cover

Buildings optional covers

Accidental damage cover

Accidental damage cover

Disaster cover 3

Disaster cover 3

What insured events you are covered for

Fire or smoke (including bushfires and grassfires)

Fire or smoke (including bushfires and grassfires)

Storm, storm surge2, cyclone2, rainwater or run-off

Storm, storm surge2, cyclone2, rainwater or run-off

Water or other liquid damage

Water or other liquid damage

Theft or burglary

Theft or burglary

Explosion

Explosion

Accidental breakage of glass or ceramic items

Accidental breakage of glass or ceramic items

Impact damage

Impact damage

Vandalism or malicious damage

Vandalism or malicious damage

Lightning

Lightning

Earthquake or tsunami

Earthquake or tsunami

Riot or civil commotion

Riot or civil commotion

Flood2

Flood2

Motor burnout

Motor burnout

Buildings cover – additional benefits

Alternative accommodation for you and your pets

Alternative accommodation for you and your pets

Did you know?

Making your buildings environmentally friendly

Making your buildings environmentally friendly

Debris removal

Debris removal

Building modifications

Building modifications

Rebuilding and professional fees

Rebuilding and professional fees

Building code compliance costs

Building code compliance costs

What’s covered

General Contents

General Contents

General contents with set limits

Did you know?

Contents optional covers

Accidental damage cover

Accidental damage cover

Portable Contents

Portable Contents

Unlisted Portable contents

Listed portable contents

What insured events you are covered for

Fire or smoke (including bushfires and grassfires)

Fire or smoke (including bushfires and grassfires)

Storm, storm surge2, cyclone2, rainwater or run-off

Storm, storm surge2, cyclone2, rainwater or run-off

Water or other liquid damage

Water or other liquid damage

Theft or burglary

Theft or burglary

Explosion

Explosion

Accidental breakage of glass or ceramic items

Save up to 10% when you combine Building and Contents cover on the one Home Insurance policy ^1,4

Save up to 10% when you combine Building and Contents Insurance on the one Home Insurance policy ^1,4

Disaster cover ³

Disaster cover ³

Storm, storm surge², cyclone², rainwater or run-off

Storm, storm surge², cyclone², rainwater or run-off

Flood²

Flood²

Storm, storm surge², cyclone², rainwater or run-off

Storm, storm surge², cyclone², rainwater or run-off

Flood²

Flood²