The Insured Events covered by your Home or Landlord Insurance are summarised below however please read the Home Insurance PDS or Landlord Insurance PDS as limits, conditions and exclusions apply:

• Accidental glass breakage – you’re covered for accidental breakage or fracture through the entire thickness of the glass in items such as a window or shower screens (additional covered items are outlined in the PDS).
• Earthquake, tsunami and volcanic eruption – you’re covered for loss or damage as a result of an earthquake, tsunami or volcanic eruption. What is not covered; loss or damage sustained after the first 168 hours of the initial earthquake.
• Escape of liquid – you’re covered for the cost of damage at the insured address caused by sudden, unexpected, accidental and without warning escape of liquid from any fixed pipe, fixed tank, waterbed, aquarium, household appliances or fixed household items used to hold liquid.
• Fire – you’re covered for loss or damage as a result of fire (where there is a flame) including bushfire, and explosion.
• Impact – you’re covered for loss or damage as a result of a falling tree, tree branch, power or communication pole, vehicle or trailer, an aircraft or watercraft (additional scenarios are outlined in the PDS).
• Legal liability – you’re covered for legal liability to pay compensation as a result of an accident caused by your negligence that occurs during the period of insurance, that causes death or bodily injury to another person or physical loss or damage to another person’s property. The most we will pay for any event(s) arising directly or indirectly from the one original accident/event, source or cause is $20 million in total. (additional scenarios are outlined in the PDS).
• Lightning – you’re covered for loss or damage caused by a lightning strike.
• Malicious damage – you’re covered for loss or damage as a result of Malicious damage (including vandalism).
• Riot, civil commotion or industrial unrest – you’re covered for loss or damage as a result of a riot, civil commotion or industrial unrest.
• Storm, rainwater and flood – you’re covered for loss or damage as a result of a storm, rainwater or flood.
• Theft or attempted theft – you’re covered for loss or damage caused by theft or attempted theft which you have reported to the police.
• In addition to these Insured Events, depending on whether you have Home or Landlord Insurance and the individual nature of your insured address, for an additional premium you may select one or more of the following covers*:

Please see Home Insurance PDS or Landlord Insurance PDS for Optional Cover details.

• Accidental damage – you’re covered for loss or damage to your building and/or contents caused unintentionally by an accident at the insured address which is not otherwise covered under another section of your policy
• Malicious acts and theft by tenants – you’re covered for loss or damage caused by malicious acts by a person who lives at your insured address, a person at your insured address with your consent or your tenants’ consent that you have reported to the police (additional scenarios are outlined in the PDS).
  
• Portable valuables – you’re covered for accidental loss or damage to your eligible portable valuables anywhere in Australia and New Zealand.
• Motor burnout – you will be paid the cost of repairing or replacing any motor which forms part of your building and/or contents that ceases to function as a result of motor burnout.
  
• Rent default and legal expenses – you’re covered for loss of rent under a rental agreement. (Scenarios are outlined in the Landlord Insurance PDS).

Where can I find more information?

For more details on these Insured Events or to understand the potential Policy Limits or Exclusions which may apply, please read your relevant Home Insurance PDS or Landlord Insurance PDS and Premium Excess and Discount Guide.

If you can’t find your Certificate of Insurance, you can also view your details on NetBank or call 13 1361 between 8am and 8pm Monday to Friday, or 8am and 5pm Saturday, Sydney/Melbourne time.

*If you have selected an optional cover and paid the additional premium it will be stated on your Certificate of Insurance.

Distributed by Commonwealth Bank

Important information: Home Insurance and Landlord Insurance are provided by Hollard Insurance Partners Limited ABN 96 067 524 216, AFSL 235030 (Hollard) and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). Hollard is the insurer of these general insurance products. Hollard is not part of the CBA Group. CBA does not guarantee the obligations or performance of Hollard or the products Hollard offers.

Neither CBA, nor any of its related bodies corporate accepts liability or guarantees payment of any claim or benefit in respect of these general insurance products issued by Hollard. CBA may be paid a commission if Hollard issues you with a Home and/or Landlord Insurance policy. Details are provided in the Financial Services Guide (FSG) by clicking on the link, or by calling 13 1361 for a paper copy.

For products issued by Hollard, information about the target market can be found within the product’s Target Market Determination.

This information has been prepared without considering your objectives, financial situation or needs. Before making any decision about this product you should consider this information in relation to your own circumstances. A Product Disclosure Statement (PDS) is available at all Commonwealth Bank branches, by downloading them from commbank.com.au or by calling 13 1361 and should be considered before making any decisions about this product. You should also read the Premium, Excess and Discount Guide (PEDG), Key Facts Sheets (KFS) and Financial Services Guide (FSG) by clicking on the links, or by calling 13 1361 for a paper copy.

To find out how Hollard manage your personal information, please see Hollard's Privacy Policy.