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Product Disclosure Statement- Home & Contents Insurance Options
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Home & Contents Combined
Save 12.5% when you combine Home & Contents - Get a quote. Read more
Home Insurance
Get a Home Insurance Quote, to cover your residential building, domestic fixtures and permanent structural improvements. Read more
Contents Insurance
Get a Contents Insurance Quote, to cover your household goods and personal effects. Read more
- Replacement Value Calculators
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Overview
Many people typically underestimate the replacement cost of their home building and contents when they arrange insurance cover.
It is up to the applicant to nominate the replacement sum insured during the insurance application process.
In an effort to help you with this part of the process, Budget Direct has made available a range of calculators from 'Reed Construction Data' and 'Sum Insured' that you can use as a guide to estimate the replacement value of your home building and contents.
Please select from the range of calculators below that best suit your needs.
Express Building Calculator*
Designed for people in a hurry! Just answer a short series of questions about your home and the Cordell Express Residential Valuer will provide you with a building replacement cost estimate.
This estimate is derived from the 'Reed Construction Data' building cost database, based on industry averages and developed over a number of years.
Full Building Calculator*
Designed for people looking for a more complete estimate, simply answer a comprehensive series of questions about your home and the Cordell Residential Valuer will provide you with a building replacement cost estimation report.
This estimate is derived from the 'Reed Construction Data' building cost database, based on industry averages and developed over a number of years.
Calculate Detailed Building Costs Now.
Contents Calculator*
If you need an estimate on the contents value in your home, this calculator is a tool to help you.
Just answer a series of questions and the Contents Valuer provided by 'Sum Insured' will provide you with a Contents replacement cost estimate.
*Typical building replacement costs are provided by Reed Business Information Pty Ltd (A.B.N. 47 000 146 821) trading as Reed Construction Data ('Reed') and typical building contents replacement costs are provided by Sum Insured Pty Ltd trading as Home Contents (A.C.N. 099 322 308) ('SI').
Whilst every care is taken to ensure the accuracy of the information as a guide for costing, no responsibility is accepted by either Reed or SI for its accuracy.
Please check with an Architect, Builder, Quantity Surveyor, Valuer or other suitably qualified professional for an accurate estimate.
A&G Insurance Services Pty Ltd (trading as Budget Direct) takes no responsibility for the costs provided by Reed or SI nor any liability for the accuracy of or reliance upon or use of, the costs.
Before deciding to purchase any product you should calculate the actual replacement cost of your home and or contents, (as the calculators contain general information only and may not suit your particular circumstances) and read the relevant Product Disclosure Statement available from us.
- Smarter Policies
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Get Smart. Tailor Your Policy to Suit Yourself
We've all got different needs and priorities when it comes to insurance - and home and contents is no exception.
That's why our policies have smart policies options - a smart range of home & contents options that let you adjust your policy to suit your individual insurance priorities and maximise savings.
Personal Effects Cover*
When you have a Contents Insurance policy with Budget Direct, you can choose to take out our Personal Effects Cover.
Our Personal Effects cover will insure you for accidental loss or damage of your personal belongings anywhere in Australia and New Zealand, and anywhere in the world for up to 30 days after your departure from Australia.
Limits and exclusions apply.
Motor Burn Out*
You can choose to take out optional Motor Burnout insurance, which covers you for loss or damage to electric motors in the home.
If you choose to take out our Motor Burnout cover, we'll also pay for spoilage of perishable food in your refrigerator or freezer as a result of motor burnout.
Limits and exclusions apply.
Accidental Damage*
With Budget Direct, you can choose to take out cover for Accidental Damage.
Accidental Damage cover will insure you for accidental loss or damage to your home and contents as a result of an accident, which occurs at the insured address.
Limits and exclusions apply.
Adjust Excess to Reduce Your Premium
You can also choose to adjust the amount of excess you pay on your home & contents insurance to reduce your premium even further.
*This is a brief summary only. Conditions apply. Full Details are contained in the Product Disclosure Statement.
