Personal Insurance
Home Insurance
Home Insurance is designed to protect homeowners from financial losses relating to their domestic property. Policies typically cover a range of risks
including loss or damage as a result of fire, storms, theft & public liability.
HOME, CONTENTS & PERSONAL VALUABLES SECTIONS
Fleurieu & Hills Insurance can tailor a policy which can suit your individual circumstances and may include any of the following sections:
- Building Insurance covers the structure of your home, including the walls, roof, domestic outbuildings, permanent fixtures & fittings.
- Contents Insurance covers your personal belongings within the home including the furniture, clothing, appliances & utensils.
- Personal Valuables cover is generally an optional extension to the Home Contents Policy which can provide cover away from the property for personal items such as jewellery, phones, laptops & sporting goods.
Policy conditions apply & generally an additional premium is payable.
COVER OPTIONS AVAILABLE INCLUDE:
- Listed Events Cover provides protection against the listed events itemised in your policy wording.
- Accidental Damage Cover protects you for any accidental damage or accidental loss other than the exclusions listed
Landlord Insurance
Landlord Insurance is specifically designed for property owners who rent out their homes, apartments or other domestic investment properties.
This type of insurance provides coverage that goes beyond standard homeowners insurance by addressing the unique risks associated with
renting out a property.
LANDLORD INSURANCE COVER OPTIONS:
Fleurieu & Hills Insurance can tailor a policy which can suit your individual circumstances and may include any of the following sections:
- Building Insurance covers the structure of your home, including the walls, roof, domestic outbuildings, fences, garages, permanent fixtures & fittings.
- Contents Insurance covers the landlord’s contents within the property, such as carpets, curtains, appliances and furniture (if the property is furnished) This cover does not cover the tenants’ personal belongings, which would require the tenants to take out their own separate contents insurance policy.
- Loss of Rent compensates the landlord for lost rental income if the property becomes uninhabitable due to an insured event.
- Rent Default protects the landlord against the financial loss incurred if a tenant defaults on their rent payments or abandons the property without paying.
Optional cover extensions for Loss of Rent & Rent Default generally incur an additional premium payable & conditions apply.
Caravan Insurance
Caravan Insurance is designed for caravans that are towed and used for travel & holidays. The coverage protects the insured against accidental damage, theft
vandalism and damage whilst in transit. The insurance may also include cover for contents such as personal belongings & camping equipment.
Additional Benefits may include:
- Alternative accomodation expenses
- Emergency Repairs
- Choice of Higher Excess options
- Towing Expenses
- Storage Costs if your vehicle cannot be towed
- Veterinary Expenses up to $500 (conditions apply)
Terms, conditions & exclusions apply
Boat Insurance
Boat Insurance is designed to protect boat owners from financial loss due to accidental loss or damage, malicious damage, theft, liability and other risks associated with owning & operating a boat.
This type of insurance covers a wide range of watercraft including yachts, runabouts, cruisers, sailing boats, jet skis and other recreational vessels.
Fleurieu & Hills Insurance can assist you select the most appropriate level of cover to protect your type of boat including any equipment & accessories.
Comprehensive Cover - Accidental Loss or Damage to your boat
- Comprehensive Boat Insurance is designed to protect the insured against Accidental Loss or Damage to your boat or theft of your boat.
The policy provides cover whilst the boat is being used on the water within geographic limits, in transit whilst it is being towed, on land or in storage.
Additional Benefits & Cover Options include:
- Lay-Up Cover
- Trailer Cover
- Salvage Costs
- Towing Expenses
- Fishing Gear & Diving Equipment
- Ski Equipment
- Skiiers Liability
- Personal Property
Terms, conditions & exclusions apply and extra premiums may be payable to include some Additional Cover benefits.
Private Motor Insurance
- Who Regularly Drives the vehicle
- Excess Options
- Agreed Value or Market Value
- Choice of Repairer
- Accessories & Modifications
Coverage Options Include:
- Comprehensive Cover covers loss or damage (including theft) of your vehicle along with any third-party property damage claims.
- Third Party Liability, Fire & Theft covers loss or damage to your vehicle as a result of Fire or Theft Only (Sum Insured of insured vehicle is generally limited to $5,000). The policy also extends to include cover to other vehicles or other property, damaged as a result of an accident caused by the insured vehicle.
- Third Party Liability, as a result of an accident caused by the insured vehicle it will provide coverage to other vehicles or property damaged.
Additional Benefits which can be covered may include:
- Windscreen Protection
- Hire Vehicle
- Personal Property
- Towing Expenses
- Emergency Repairs
- Emergency Accommodation
Terms & conditions apply, an additional premium maybe required to include some of the Additional Benefits listed above.