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  

 

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