Why is this cover important?
There are many benefits with taking out a Home and Contents policy with Citycover, including expertise, advice, risk management, claims service and the range of policies we have access to. Every Household is different, so we tailor insurance to suit your needs. When you have a claim, you want to make sure you are covered correctly, and you want the process to be seamless. You’ve worked hard for your investment so that’s what you deserve.
81% of homeowners are exposed to significant financial loss because their insurance does not cover them to resume the same standard of living in the event of crisis. ^Source Insurance Council of Australia 2014
Citycover provides you with the right advice and when disaster strikes, rest assured, you can resume the same standard of living because the right cover is in place.
Policy Cover Can Include
Minimum $20 million legal liability cover.
New for old replacement
Replacement to a condition substantially the same as when new.
Optional Worldwide Cover
For your contents whilst they are temporarily away from the home, Worldwide.
Loss or damage by storm including damage to external blinds, gates, fences and landscaping.
Theft or Attempted Theft
Theft or attempted theft including Malicious Acts.
Impact by a vehicle, falling trees or branches.
Fire, explosion, earthquake, lightning
Loss or damage by fire, explosion or earthquake. Lightning including power surge.
Flood or Escaped Liquid
Flooding, escaped liquid (e.g. from washing machines, toilets or hot water systems.
Breakage of glass
Replacement if glass is damaged.
Fusion of an electric motor
Including Air-conditioning systems and fridges.
If you require a broader level of protection, we can extend your home insurance policy to provide cover for accidental loss or damage. Automatic cover is provided for your contents temporarily away from your home, anywhere in the world.
Higher levels of cover are available for higher valued homes, personal fine art, antiques and jewellery.
When you take out Household Insurance with Citycover, you will immediately have access to our expert claims team and experienced Advisers for advice on Risk Management.
Frequently Asked Questions for Home & Contents Insurance.
I found a really cheap quote online, why is it so cheap?
Insurance is like any other product, you pay for what you get. There are many different insurers offering policies in different shapes and forms.
Service is extremely important.
This is the difference between a claim being paid out over night and a claim being paid out painstakingly over a year. Cheap premiums are on offer because costs are being cut elsewhere.
Coverage is also extremely important.
This is the difference between your claim being paid out or not paid out at all. Quite often, this results in financial burden in the long run.
What is a ‘Flood’?
In June 2012, the Insurance Council of Australia and Federal Government agreed to adopt the below definition:-
The definition of flood is:
- The covering of normally dry land by water that has escaped or been released from the normal confines of:
- Any lake, or any river, creek or other natural watercourse, whether or not altered or modified; or
- Any reservoir, canal, or dam.
How is my premium calculated?
A number of factors contribute to you household insurance premium each year.
The following rating factors apply:
- The risk associated with your postcode
- Your overall home security
- Your claims history
Need to Claim?
- Tina S
I recently had the absolute pleasure in dealing with Lynette in the Citycover Claims Department, who put her heart & soul into helping us obtain retribution from an Air Con installer. Our ducted system was not installed correctly, which resulted in damage to the ceilings in our home. If it wasn’t for Lynette’s unrelenting persistence, we would never have achieved the outcome we had hoped for, which was 100% successful.
I deal with Citycover (Aust) both professionally on behalf of the company I work for, and personally for my own insurances. I could not recommend highly enough the professional & caring service all department staff have given us. I feel safe & secure knowing I have them in my corner, especially in today’s world when you are dealing with insurance company jargon that even the best of us get lost in. That’s why I leave it to the professionals!
26th October, 2017
The knowledge and experience of Citycover’s amazing team is widely recognised. We are extremely passionate insurance professionals, who love what we do.
Senior Insurance Adviser
Claims Services Manager
Senior Claims Adviser