Premium Cover (Accidental Damage)
Premium cover offers you a broad range of protection for your building and / or contents against accidental loss or damage.
It gives you the reassurance that your building and / or contents are adequately protected not only against events such as cyclones, floods, fires, burglary and storm surge but also against accidental loss or damage.
Accidental damage offers protection for your contents away from the home, Australia wide or elsewhere in the world, some limits apply.
| Additional features and benefits of TIO Home Insurance | |||
| Home Building | Contents | ||
|---|---|---|---|
| Accessories of a car, motor cycle, caravan, trailer, watercraft and aircraft | No | Yes | |
| Professional fees | Yes | No | |
| Sale of insured property | Yes | No | |
| Cover for contents in the open air | No | Yes | |
| Cover for Legal Liability | Yes | Yes | |
| Cover for Loss of Rent | Yes | Yes | |
| Cover for Plants | Yes | Yes | |
| Cover for Temporary Accommodation | Yes | Yes | |
| Cover for Tools of Trade | No | Yes | |
| Deterioration of Refrigerated Foods | No | Yes | |
| Extra costs to comply with by-laws | Yes | No | |
| Fatal Injury | No | Yes | |
| Modifications to the Home | Yes | No | |
| Mortgagee discharge costs | Yes | No | |
| New for old cover for contents | No | Yes | |
| Property in a home surgery or office | No | Yes | |
| Removal of Debris | Yes | Yes | |
| Replacing keys and repairs to locks | Yes | No | |
| Temporary Removal from the site | No | Yes | |
| Environmental upgrade | Yes | No | |
| Security firm attendance | Yes | No | |
Product Disclosure Statement
The information given is a guide only. Terms, fees and conditions do apply. From 1 December 2012, please obtain the Territory Home Insurance Premium Cover (Accidental Damage) Product Disclosure Statement and Policy before making any decisions about these products.
Prior to 1 December 2012, please obtain the Territory Home Insurance Accidental Damage Product Disclosure Statement and Policy