Home Contents Insurance comparison tableComparison between Premium Cover and Essential Cover

For full details of the conditions, limits and exclusions on all our cover options, please refer to the Product Disclosure Statement

Features

Premium Cover Essential Cover
Accidental damage cover
Cover for contents in the open air Up to $2,500 in total
Cover for contents whilst anywhere in Australia and up to 90 days elsewhere in the world No, cover is limited to at your home
Replacement of locks Up to $2,500 in total Up to $2,500 in total
Cover for mobile phones, satellite phones, blackberries, personal digital assistant and other communication devices Up to $1,000 per item Up to $1,000 per item
Cover for pictures, paintings and works of art Up to $20,000 for any one article, up to a maximum of 20% of your nominated contents sum insured, unless specified Up to $20,000 for any one article, up to a maximum of 20% of your nominated contents sum insured, unless specified
Cover for jewellery, gold & silver articles Up to $2,500 per any one item, up to a maximum of 20% of your nominated contents sum insured, unless specified Up to $2,500 per any one item, up to a maximum of 20% of your nominated contents sum insured, unless specified
Cover for Collections Up to $2,500 per collection and $5,000 in total for all collections Up to $2,500 per collection and $5,000 in total for all collections
Cover for fishing gear and equipment Up to $10,000 Up to $10,000
Accidental glass breakage
Deterioration of refrigerated foods Up to $1,000
Equipment in a home office or home surgery $10,000 $10,000
Cover for tools of trade Up to $3,000 in total whilst at the risk address, and up to $1,000 in total whilst away from the risk address Up to $3,000 in total and only whilst at the risk address
Fatal injury cover Up to $10,000 Up to $10,000
Temporary accommodation Yes, for up to 12 months and limited to 10% of the sum insured Yes, for up to 12 months and limited to 10% of the sum insured
Watercraft under 4 metres in length
Cover for accessories of a car, boat, caravan and trailer Up to $1,000 Up to $1,000
Cover for money Up to $1,000 Up to $1,000
Cover for unfixed floor rugs Up to $10,000 for any one floor rug, up to a maximum of 20% of your nominated contents sum insured, unless specified Up to $10,000 for any one floor rug, up to a maximum of 20% of your nominated contents sum insured, unless specified

More about Territory Home Insurance

Making a Claim

Learn more about making a claim or start a claim now


Learn More

Policy Documents

Download and read the Product Disclosure Statements for Home Insurance.

Learn More

Preparing your home for the Wet Season

Tips to prepare you and your home in the lead up to a major weather event

Learn More

Home Security

Protect your home with our practical home security tips.


Learn More

Frequently Asked Questions

Some content items have standard policy limits (e.g. jewellery, fishing gear, push bikes etc…). In some cases, you can increase the amount we’ll cover these items for. You will need to specify them on your policy, along with their individual replacement values.

Please refer to the relevant Product Disclosure Statement (PDS) for details of items with specified limits of cover.

We will insure the contents for a maximum of three unrelated people. All owners/occupants must be listed as an insured on the policy.
If you are altering the security on your property you should inform us as it may change the conditions of your home insurance at renewal. If you are improving your security, you may be eligible for a discount.
Before commencing renovations, extension or demolition, it’s important you notify us as it may affect the cover under your home insurance policy. You must tell us if the renovation, extension or demolition costs more than $50,000.
Yes, it is important that TIO is informed of any change in use of the premises.

If you have any other questions, please contact 131 846.

Next Steps

Policy Documents and Key Fact Sheets

For the standard terms, conditions and exclusions about our home insurance, please refer to the Product Disclosure Statement (PDS). To see some of the events covered and not covered, please refer to our Key Fact Sheets (KFS).