Building only insurance

Building only insurance policy features comparison: Vital vs. Classic vs. Prestige

Policy Features Vital Home Classic Home Prestige Home
Accidental Breakage of glass Yes Yes Any Accidental Loss or Damage unless specifically excluded
Impact damage
Yes Yes
Earthquake and tsunami Yes Yes
Yes Yes
Fire or smoke
Yes Yes
Lightning or thunderbolt
Yes Yes
Malicious acts
Yes Yes
Riot or civil commotion
Yes Yes
Storm, rainwater or run-off
Yes Yes
Theft, burglary or housebreaking
Yes Yes
Water or other liquid damage
Yes Yes
Automatic indexation of sum insured Yes Yes Yes
Compensation for death (Up to $10,000) Yes Yes Yes
Compensation for Fracture (Limits apply) No Yes Yes
Environmental Benefits Yes Yes Yes
Landscaping  No Yes Yes
Fusion of electric motors No Motors up to 10 years old Motors up to 12 years old
Accidental Damage No No Yes

More Benefits

Mortgage Discharge Costs Yes Yes Yes
Landlords' contents Up to $10,000 Up to $10,000 No
Legal Liability cover Up to $10,000,000 Up to $20,000,000 Up to $20,000,000
Modifications to buildings for paraplegia & quadriplegia
(Up to $10,000)
Yes Yes Yes
Replacement of locks and cylinders Up to $1,000 Up to $1,000 Up to $2,000

This information about insurance cover is a summary only. Terms, conditions, limits, exclusions and underwriting criteria apply. You should consider whether this insurance product is suitable for your circumstances and consider the Policy Document (Product Disclosure Statement) (‘PDS’) and Key Fact Sheets for Vital Home InsuranceClassic Home Insurance and Prestige Home Insurance.

Product Disclosure Statements and Supplementary Product Disclosure

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