BankSA offers comprehensive Home and Contents Insurance, provided by Allianz, to protect your home and belongings against unexpected events such as storms, floods, fire, theft, and more. This guide provides an overview of the coverage options, benefits, and how to obtain a quote or make a claim.
What Is Home and Contents Insurance?
BankSA's Home and Contents Insurance covers:
- Home Building Insurance: Protects the physical structures of your home, including the house, garage, fences, and paved driveways.
- Contents Insurance: Covers your personal belongings within the home, such as furniture, appliances, clothing, and outdoor items like BBQs and play equipment.
Key Features and Benefits
BankSA's Home and Contents Insurance offers several advantages:
- Comprehensive Coverage: Insures your home and contents against 12 major events, including fire, storm, flood, theft, and more.
- Flexible Payment Options: Pay your premium monthly at no extra cost to help manage your budget.
- Optional Add-ons: Enhance your coverage with optional extras like Portable Contents and Accidental Damage, including Motor Burnout.
- Emergency Assistance: Access 24/7 emergency claims lodgement and support for urgent situations.
- Legal Liability Cover: Automatically included, protecting you if you're found liable for accidental injury or property damage.
Optional Covers
Tailor your policy with additional covers:
- Accidental Damage: Covers unexpected mishaps like spills or accidental breakages.
- Motor Burnout: Protects against damage to electrical motors in appliances.
- Portable Contents: Extends coverage to items like laptops and mobile phones when away from home.
How to Get a Quote
To obtain a quote for Home and Contents Insurance:
- Get a quote online
- Call 1300 554 002 to speak with a BankSA Insurance specialist.
How to Make a Claim
If you need to make a claim:
- Lodge a claim online
- Call 1300 656 345 for assistance with your claim.
Frequently Asked Questions (FAQ)
- What does Home and Contents Insurance cover?
- It covers your home's physical structures and your personal belongings against events like fire, storm, flood, theft, and more.
- Are there any exclusions?
- Yes, exclusions apply, such as loss or damage due to lack of maintenance or gradual wear and tear. Refer to the Product Disclosure Statement for details.
- Can I insure high-value items?
- High-value items like jewellery and watches are covered up to certain limits unless specified in your policy schedule.
- Is there coverage for items away from home?
- Yes, with the optional Portable Contents cover, items like laptops and mobile phones are covered when away from home.
- How do I calculate the value of my contents?
- Use the Home Contents Insurance calculator to estimate the replacement value of your belongings.