Document ID: chunk:federal_register_of_legislation:F2019L00902:body:0:p7
Version: federal_register_of_legislation:F2019L00902
Segment Type: other
Provision Reference: 
Character Range: 13517–15980

or modifying an undamaged part of the home if:
       * we agree to repair or replace a part of the home, and
       * you reasonably need to replace or modify an undamaged part of the home to match the part that is repaired or replaced.

The most we will pay for each claim for matching decor is $500. Please note: you must actually incur the costs of replacing or modifying the undamaged part of the home before you qualify to claim for those costs.

I. Trees, shrubs, plants
We will pay you the reasonable costs of replacing any tree, shrub or plant at the home or site if:
       * we agree to pay your claim for loss or damage to the home caused by one of these events:
-fire
-explosion
-lightning or thunderbolt
-earthquake
-impact, and
       * the tree, shrub or plant is damaged or destroyed in the same event.

The most we will pay for each claim:
       * for any one tree, shrub or plant – is $200
       * for all trees, shrubs and plants – is $2,000.

Please note: you must actually incur the costs of replacing a tree, shrub or plant before you qualify to claim for those costs.

Limits on what we pay
The most we will pay for any one claim under Part 1 of this policy (including any part of that claim that is for additional expenses), is the sum insured.

The most we will pay for any one claim for all of these additional expenses is 20% of the sum insured:
       * temporary accommodation
       * lost rent
       * landlord's fixtures and fittings
Please note: the most we will pay for landlord's fixtures and fittings is 10% of the sum insured or $10,000 – whichever is less.

       * extra costs related to building
       * legal costs for discharge of mortgage
Please note: the most we will pay for legal costs to discharge mortgages on the home is $1,000.

       * matching decor
Please note: the most we will pay for matching decor is $500.

       * trees, shrubs and plants.
Please note: the most we will pay is $200 for each tree, shrub or plant, up to a maximum of $2,000 for all trees, shrubs and plants.

PART 2 ACCIDENTAL LOSS OR DAMAGE

In addition to insuring you for loss or damage to the home that is caused by an event (see Part 1), we also insure you for other accidental loss or damage to the 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