Essential Cover (Listed Events)
Essential cover offers you a basic range of protection for your building and / or contents against loss or damage.
It gives you the reassurance that your building and / or contents are adequately protected against events such as:
- Fire or explosion
- Flood
- Cyclone
- Storm Surge
- Lightning
- Earthquake
- Theft or attempted theft
- Rainwater or wind damage, and
- Impact
If you are wanting your insurance to include cover on Accidental Loss or Damage, then our Territory Home Insurance Accidental Damage would be more suited to your needs.
| 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 Temporary Accommodation | Yes | Yes | |
| Cover for Tools of Trade | 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 | |
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 Essential Cover (Listed Events) Product Disclosure Statement and Policy before making any decisions about these products.
Prior to 1 December 2012, please obtain the Territory Home Insurance Listed Events Product Disclosure Statement and Policy