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Standard benefits

Standard benefits

Whether you insure your home building or home contents or both, we cover these events:

  • Storm and rainwater
  • Lightning
  • Accidental breakage
  • Explosion
  • Fire
  • Theft or attempted theft
  • Impact at home
  • Earthquake
  • Flood (optional)
  • Escape of liquid
  • Malicious damage

Compare the benefits of our standalone and combined home building and home contents policies (the benefit amounts are the maximum we’ll pay):

Benefits and features Combined Home and Contents Home Insurance Contents Insurance
Repair or replacement of home building Yes Yes No
Repair or replacement of home contents Yes No Yes
Legal liability $20 million $20 million $20 million
Temporary accommodation 10% of sum insured 10% of sum insured 10% of sum insured
Extra costs of rebuilding 10% of sum insured 10% of sum insured 10% of sum insured
Loss of rental income 12 months 12 months No
Rental property fixtures and fittings 5% of sum insured 5% of sum insured No
Mortgage discharge costs $750 $750 No
Modifications to home $5,000 $5,000 $5,000
Funeral expenses $5,000 (standard) or $7,000 (Smart) $5,000 (standard) or $7,000 (Smart) $5,000 (standard) or $7,000 (Smart)
Replacement of locks $500 No $500
Contents in the open air $1,000 No $1,000
Food spoilage $500 No $500
Contents temporarily removed 20% of sum insured No 20% of sum insured
Contents lost or damaged in transit 20% of sum insured No 20% of sum insured
Loss or theft of credits cards $1,000 No $1,000
Unattached equipment $500 No $500
Visitors’ uninsured contents $500 No $500
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Optional benefits

Optional extras

You can customise your home and/or contents insurance by adding these optional extras to your cover when you get a quote:

Benefits and features Combined Home and Contents Home Insurance Contents Insurance
Flood Cover Yes Yes Yes
Personal Effects Yes No Yes
Accidental Damage Yes Yes Yes
Motor Burnout Yes Yes Yes
Landlord Covers Yes Yes Yes
Sum Insured Safeguard Yes Yes No
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Find out more

The information on this page is a summary only. For more details about Budget Direct’s home and contents insurance, including the terms, conditions, limits and exclusions that apply, please read the product disclosure statement.

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