| Accidental Loss or Damage |
✓ |
✓ |
✗ |
| New For Old* |
✓ |
✓ |
✓ |
| Flood cover |
✓ |
✓ |
✓ |
| Legal liability |
$20 million |
$20 million |
$20 million |
| Computers and home office equipment |
Up to $15,000 |
Up to $15,000 |
✗ |
| Antique items (other than furniture) |
Up to $5,000 per item |
$5,000 per item |
✗ |
| Jewellery, furs, gold, silver & collections |
Up to 25% of sum insured |
Up to 25% of sum insured |
✗ |
| Glass breakage |
✓ |
✓ |
✓ |
| Theft and misuse of credit card |
Up to $5,000 |
Up to $5,000 |
✗ |
| Theft or damage to trees, plants or shrubs |
Up to $500 |
Up to $1,000 |
✗ |
| Tools of trade |
Up to $5,000 |
$5,000 |
✗ |
| Frozen food spoilage |
$750 |
$1,000 |
✗ |
| Cash |
$750 |
$1,000 |
✗ |
| Veterinary expenses for pet injured in a road accident |
Up to $500 |
$500 |
✗ |
| Lock replacement |
$1,000 |
$1,000 |
$1,000 |
| Temporary accommodation |
✓ |
✓ |
✗ |
| Temporary removal of contents |
up to 20% of sum insured |
up to 20% of sum insured |
✗ |
| Contents in the open air** |
✓ |
✓ |
✗ |
| Theft or storm damage to contents in the open air |
Up to $2,000 |
Up to $2,000 |
✗ |
| Visitors' possessions |
$5,000 |
$3,000 |
✗ |
| Legal costs to discharge mortgage for a total loss |
✓ |
✓ |
✓ |
| Exploratory costs eg. to find leaking pipes |
$2,000 |
$2,000 |
$2,000 |
| Aggravated theft |
$1,000 |
$1,000*** |
✗ |
| Excess options |
$250, $500, $1,000 |
$250, $500, $1,000 |
$250, $500, $1,000 |
| Loss of Rent as a result of an insured event |
✗ |
✗ |
Basic Cover |
| Default Payment of rent by the tenants |
✗ |
✗ |
Extended Cover ^ |
| Legal Excess |
✗ |
✗ |
Extended Cover ^ |