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Home Extras

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The benefit amount is for one individual and by selecting Couple the same benefit amount applies for each individual.
The benefit amount shown is for one child, if you have more than one child the benefit amount applies for each child and then also the benefit amount is for one individual and by selecting Couple the same benefit amount applies for each individual
The benefit amount shown is for one child, if you have more than one child the benefit amount applies for each child
The benefit amount shown is for one child, if you have more than one child the benefit amount applies for each child.

Your Selected Benefits

To display or change the benefit level shown below, please select the desired level of cover with the Get A Quote tool on this page.

Benefits at a Glance

  • No medical forms
  • 3 levels of cover to choose from
  • Lump sum cash payment on all eligible claims.
  • Use the cash payments however you like – no restrictions
  • Pays regardless of other insurance products you may have
  • Global cover 24/7, even if you’re overseas on holiday

     

What is Home Extras Insurance?

Home Extras Insurace provides cover for certain losses that occur within your home. Some of the benefits included are glass breakage benefit, disaster cash benefit, tech safe home benefit, home burglary benefit, pet protection benefit and cyber crime benefit.

Home Extras Insurance also offers cover for broken bones and accidental loss of life as a result of an accident.

      

All Included Benefits for Home Extras Insurance

Please be aware that exclusions apply as set out in the PDS.

Accidental Loss of Life Benefit *

In the event of Your Accidental Loss of Life, We will pay Your estate the Accidental Loss of Life Benefit shown on Your Policy Schedule current at the time of the accident causing Your Accidental Loss of Life.

If the Accidental Loss of Life Benefit is payable because of a Disappearance, We will only pay if the legal representatives of Your estate give Us a signed undertaking that these amounts will be repaid to Us, if it is later found that You did not die or did not die as a result of an Accidental Injury.

Broken Bones Benefit *

If during the Period of Insurance You break a bone listed in the Summary of Benefits Table above as a result of an Accidental Injury and a Doctor certifies this, We will pay You the relevant Broken Bones Benefit as shown on Your Policy Schedule current at the time of the accident causing the Accidental Injury.

Education Protection Benefit *

If during the Period of Insurance, You suffer an Accidental Injury which causes Your Accidental Loss of Life or Permanent Loss, We will pay the Education Provider the relevant Education Protection Benefit for Your Child or Children’s fees, up to the maximum amount shown on Your Policy Schedule current at the time of the Accidental Injury that caused the Accidental Loss of Life or Permanent Loss. We will pay the fees directly to the Education Provider upon receipt of the tax invoice for the amount owing.

Disaster Cash Benefit *

We will pay the Disaster Cash Benefit if You are unable to live in Your Home for forty-eight (48) consecutive hours during the Period of Insurance due to Your Home being Uninhabitable or Inaccessible. We will pay the amount stated in Your Policy Schedule, current at the time of the loss.

We will not pay for:

  • Any loss caused by typhoon, windstorm, earthquake, landslide or flood
  • Loss directly or indirectly arising from infectious or contagious disease manifested by any person whilst at Your Home
  • Closure or evacuation of the whole or part of Your Home by order of a competent public authority consequent upon vermin or pests or defects in the drains or other sanitary arrangements at the premises
  • Loss where You are unable to substantiate Your claim with evidence of being displaced or prevented from accessing Your Home
  • The outbreak of a notifiable human infectious or contagious disease occurring within 40 kilometres of Your Home
  • Murder or suicide occurring in or at Your Home
  • Threat or fear of violent damage to Your Home and/or injury to persons therein

An Excess of 10% of the claimable amount will be deducted for each and every claim.

Home Burglary Benefit *

We will pay an inconvenience benefit following Theft of personal home contents from Your Home during the Period of Insurance, to replace the personal home contents, up to the maximum amount stated in Your Policy Schedule, current at the time of the Theft.

We will not pay for:

  • Personal Electronic Items, jewellery, watches, money, bank notes, coins, stamps, documents or alcohol
  • Theft not reported to the police immediately or at least within 24 hours of discovery.

An Excess of 10% of the claimable amount will be deducted for each and every claim.

Glass Breakage Benefit *

We will pay an inconvenience benefit following any accidental breakage of plate glass windows at Your Home during the Period of Insurance, to repair or replace the plate glass window up the maximum amount specified in Your Policy Schedule, current at the time of the loss.

An Excess of 10% of the claimable amount will be deducted for each and every claim.

Tech Safe Home Benefit *

If Your personal household electronic appliances are stolen or accidentally damaged during the Period of Insurance We will pay an inconvenience benefit to replace the appliances, up to the maximum amount shown on Your Policy Schedule.

We will not pay for:

  • Any damage caused by power surge
  • Stolen items which are not reported to the police immediately or at least within 24 hours of discovery.

Pet Protect Benefit *

We will pay an inconvenience benefit to cover veterinary costs You reasonably and necessarily incur for the treatment and care of Your household pets during the Period of Insurance, that live in Your Home, as a direct result of them being involved in an accident. We will pay up to the maximum amount specified in the Policy Schedule, current at the time of the accident.

We will not pay for:

  • Your costs relating to Your household pets pre-existing medical conditions
  • Any costs relating to any preventative, non-essential or routine treatment, test or procedures
  • Any other expenses other than those arising as a direct result of the accident involving Your household pet.

An Excess of 10% of the claimable amount will be deducted for each and every claim.

Cyber Crime Benefit *

If Your Home computer and/or Home network is hacked during the Period of Insurance, and Your personal information is unlawfully stolen, We will pay an inconvenience benefit for the reimbursement of expenses associated with the misuse of Your personal information, up to the maximum amount stated in Your Policy Schedule.

We will not pay any expenses if:

  • It has not been proven the personal information was unlawfully stolen
  • The loss was not reported to the police as soon as You became aware of the hacking.

An Excess of 10% of the claimable amount will be deducted for each and every claim.

Home Extras Insurance is issued and underwritten by Chubb Insurance Australia Limited ABN 23 001 642 020, AFSL No. 239687 (Chubb). Chubb only provides general advice and does not consider your objectives, financial situation or needs. To decide if this product is right for you, read the Home Extras Insurance Policy Wording and Product Disclosure Statement (PDS) and Financial Services Guide (FSG). Please also read the Chubb Privacy Policy.

* Cover is subject to the terms, conditions, limits and exclusions set out in the PDS.