Home and Contents Insurance Policies

Home and contents insurance policies provide protection for your personal assets against fire, storm damage, theft, malicious damage and glass breakage. There are several different policy types available for your Home and Contents Insurance:

• Defined or Listed Events Policies

• Accidental Damage Policies

Home and Contents Insurance Policies

Provides cover for listed events such as fire, theft, malicious damage, glass breakage, storm damage and earthquake (generally flood cover is not automatically included and may not be available from some insurers). Includes replacement cost as new coverage even though your property or contents may be many years old.

Legal liability for bodily injury or property damage temporary accommodation costs while your residence is being repaired or rebuilt. This is what would be considered a standard basic policy.

Defined or Listed Events Policies

Provides cover for accidental loss or damage to your home or contents and includes automatic cover for personal items of contents away from home such as jewellery, camera, sporting equipment and other contents (subject to policy limits which varies from insurer to insurer).

It also includes all the cover afforded under the Defined Events Policy for listed events such as fire, theft, malicious damage, glass breakage, storm damage and earthquake (generally flood cover is not automatically included and may not be available from some insurers).

Includes replacement cost as new coverage even though your property or contents may be many years old; legal liability for bodily injury or property damage; and temporary accommodation costs while your residence is being repaired or rebuilt.

It offers a much broader coverage than a Defined Events Policy.

Accidental Damage Policies

To obtain a quotation, enquire online at www.optimuminsurance.com.au.

In most circumstances we are able to provide an quote over the phone. If you would like to discuss your needs further, contact us on 1300 739 861.

Policy coverage is always subject to the terms, conditions and exclusions of the insurance contract and policy wording provided by the insurer.

Each insurance company has its own policy wording. This means that coverage can vary considerably from one insurer to another. It is vital that you compare each policy based on the appropriateness of cover for your individual or business needs.

As Insurance Advisers, it is our role to understand the terms and conditions, so contact us now for advice and a quote.

Home & Contents Insurance Quote

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Presentation Disclaimer –– “This material contains general information only and may not suit your

particular circumstances. To decide if a policy is right for you please carefully read the relevant Product

Disclosure Statement (PDS) and/or Policy wording. A copy of the PDS or policy wording is available by

contacting our office on 1300 739 861;”

Disclosure Statement – “Optimum Insurance Services Pty Ltd is a Corporate Authorised

Representative of Insurance Advisernet Australia Pty Ltd (Car No. 291220), Australian Financial Services

Licence No 240549, ABN 15 003 886 687.”