Liberty Houseowner and Householder

Protect your home and the contents even the people around it. Customise your coverage to meet your needs including the extension of your coverage and public liability.

Home Repairs: Not Covered
Rent Insurance: Covered
Death Benefits: Not Covered
TPD Benefits: Not Covered
Personal Liability: Not Covered

Coverage

How much you can claim for Liberty Houseowner and Householder

Home PropertyTotal Amount Covered For Damages To The Building, Not Exceeding The Property Value.: Flexi
Home ContentsValue claimable for house contents if damaged is caused by any of the events covered.: Flexi
House RepairsFor repairs to house property that are caused by events covered under this plan.: Not Covered
Rent InsuranceLandlord insurance if you cannot collect rent because the house is uninhabitable.: As Charged
Electronic DevicesThis covers damage and loss of electronic devices for events covered under this plan.: As Charged
Jewellery & ValuablesAmount covered for loss and damage to your jewellery and other personal valuables.: As ChargedAdd On Benefit
House ValuablesInsured amount for select house valuables that are covered under your plan.: As Charged
House MirrorsCost to replace house mirrors that are damaged during any insured event.: As ChargedAdd On Benefit
Door LocksFor charges to replace house doors and locks due to damage.: As ChargedAdd On Benefit
Public LiabilityCoverage for public claims due to damage or injuries caused by your house property.: As ChargedAdd On Benefit

Fire
Lightning
Thunderbolt
Flood
Subsidence And Land Slip
Water Tanks Or Pipes
Explosion
Impact Cover
Aircraft And Aerial
Hurricane Cyclone Typhoon Windstorm
Earthquake Volcano
Theft
Riot Strike

How to Claim

Who do I contact if I have a question or emergency?

Home Insurance Claim Hotline

Call 1300888990

In the case, that your home becomes victim to a disaster and you need to make claims with Liberty Insurance, there are a few things that you need to get done for that to happen.

There is a 14-day window for you to make all your claims for home insurance, so remember to take pictures of all the damages and get all your affairs in order before you head over to a Liberty Insurance Branch to process your claims.

You will need to gather the following list of documents, in pairs, if you need to make claims for both your house building and its contents.

Police report
Fire brigade report
Proof of ownership, such as purchase invoices, shipping documents, payment receipts, etc (for Contents Claim)
Brief description of damage
Estimate of loss

Draft out a written description of the event that took place with a list of things you need to make claims for, and head on over the the nearest branch.

Once there, you will need to fill in a claim form and depending on the total claims that it amounts to, you might be assigned an Adjuster. Simply add the Adjuster's report along with the claim form and you can submit your claims for processing.

Requirements

Minimum Entry Age: At least 18 years of age
Maximum Entry Age: At most 70 years of age

More Information

What is the Liberty Houseowner and Householder?

Property prices and home loans are all the rage these days, with people either spending too much or not having enough money to spend. But to those of you who already have a home, and need an insurance policy to cover it, this Liberty home protection plan is the one for you.

Protect your house and home with this policy that not only covers your building but all the assets/ contents inside.

How much does it cover?

The Houseowner and Householder Insurance means that the policy will cover both the building and its contents. So, the two parts to this insurance plan will set you up for life, with only one premium. The building protection will allow for coverage against;

Disaster relief: such as fire, lightning, windstorm, earthquake and floods
Sudden impact: such as damages caused by aircraft, road vehicles and animals, including domestic gas explosions
Unforeseen perils: such as damages caused by bursting or overflowing of water tanks or pipes, theft or rental loss

The second part of the protection plan will include coverage for your home contents such as household goods, electrical appliances, furniture, kitchen equipment and various personal effects. You can choose what you insure based on how valuable they are to you and your spending budget.

Can I get additional coverage?

There are a few optional covers that you can pick up to extend your coverage with a little extra premium. In the case of your building cover, you can choose to get extra protection against, subsidence, landslips, riot, strike and malicious damage. You can also, pick up a liability to third parties cover just in case.

On that note, for the content insurance, you can choose to pay a little extra to insure the small but expensive things, like jewellery, cash, gold, silver, precious stones, mirrors, locks and keys.

How long am I covered for?

This particular home insurance plan has an annual coverage cycle that you need to renew every year, to ensure continued protection.

How much is my premium?

The premium amount of your home insurance will be heavily based on your selected coverage and what you want to be insured. There will be a separate premium for the two sides of your protection including, a goods and services tax (GST) as set by the Government. The total amount will be your payable monthly commitment.

Can I cancel my policy?

If you decide that you would rather not have this coverage plan, then there is a simple procedure in which, you can cancel your policy.

Simply provide Liberty Insurance with a written notice before cancellation. Depending on when you make the cancellation, especially if you have not made any claims, then you will receive a portion of your premiums refunded to you at the insurer's discretion.

For more information, click to read the Policy Wording below: