Document ID: chunk:federal_register_of_legislation:F2019L00902:body:0:p8
Version: federal_register_of_legislation:F2019L00902
Segment Type: other
Provision Reference: 
Character Range: 15765–18248

home. We automatically provide you with this insurance when you buy this policy. It is part of your sum insured.

What we insure you for
We only insure you if the loss or damage to the home:
       * happens during the period of insurance, and
       * is accidentally and directly caused by a sudden and unexpected event (other than by an event we insure in Part 1), and
       * your claim is not excluded by the specific exclusions listed below in the 'What we do not insure you for' section, any of the General exclusions in Part 7, or any exclusions listed on your certificate.

What we do not insure you for
We do not insure you for loss or damage:
       * to glass forming part of a glasshouse
       * to awnings or shade cloths
       * to swimming pool linings or covers
       * to electrical motors that form part of the home
       * caused by tree lopping or tree removal at the site
       * caused by any intentional act.

What we pay
If we agree you have a claim, we may choose to either:
       * repair or rebuild the home, or
       * pay the reasonable cost of repairing or rebuilding the home.

Where it is not possible to repair or rebuild with material originally used, we will pay for the closest matching material available.

If we agree to pay your claim for accidental loss or damage, we will also pay the reasonable costs of replacing or modifying an undamaged part of the home. We will only do this if:
       * you reasonably need to replace or modify the undamaged part of the home to match the part that is repaired or rebuilt, and
       * you actually incur the costs of replacing or modifying the undamaged part of the home.

Please note: we will only pay your costs in getting quotes or inspection reports if we agree to do so before you get them.

Limits on what we pay
The most we will pay for each claim for accidental loss or damage is $5,000. The most we will pay for each claim for matching decor is $500.

No excess applies to a claim for accidental loss or damage to any of these items that are fixed to or form part of the home:
       * glass, mirrors, glass cooking tops
       * baths or wash basins or sinks
       * toilets or toilet cisterns.

But you must pay the first $100 of each claim we agree to pay for any other type of accidental loss or damage to the home.

PART 3 FUSION OF ELECTRICAL MOTORS

This policy insures domestic electrical motors that form part of the home (for example, a built-in air conditioner,