Home & Contents Insurance | MHIA Insurance
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Home & Contents

Accidental Damage Policy

Everything you need.
Nothing you don't.

We've designed our insurance products especially for land lease communities.

We include the specialised protection you need, and leave out the costly bits you don't.

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The Essentials

Stress less, we've got you covered.

  • Escape of water or liquid
  • $20M legal liability
  • Emergency make-safe
  • Temporary accommodation
  • Cost of relocation
Read the PDS

Optional extras

Additional protection, add these to your policy.

  • Portable personal valuables
  • Special contents

Extras cover

Looking to add Portable Person Valuables or Special Contents to your home insurance policy? Give us a call or send us an email.


Portable Personal Valuables

You can choose to cover valuable items when you take them outside your home, for example a wedding ring or laptop computer.

If you choose to list an item as Portable Personal Valuables, we repair or replace the item for the value listed if it is accidentally lost, damaged or stolen.

Special Contents

You can choose to separately list certain items as special contents, such as paintings,works of art, curios, collections, stamps, medals or trophies, coins, furs, jewellery, bullion, watches, or gold & silver items.

If you choose to list an item as special contents, we pay the value listed for that item if it is damaged or stolen.

Add extras

Exclusions

The few things we cannot cover.

  • Flood
  • Leaky shower bases
  • General wear and tear

What's in our cover?

Accidental damage

Loss or damage caused unintentionally to your home and general contents.

Mechanical & electrical breakdown

If the appliance is not repairable we will pay the cost to replace the item less 10% per year for wear, tear and depreciation.

Fire & explosion

Loss or damage caused by explosion or by fire, including bushfire.

Burglary or theft

Loss or damage caused by theft or attempted theft.

Impact

Loss or damage to your home, from falling trees or branches, as well as impact to your home by a motor vehicle.

Questions? Answers.

Am I covered while I am away from the home (on holidays)?

If your home is in a home park and you permanently live in your home, your will be fully covered.

This policy does not cover for flood. Am I covered for rainwater run off?

Your policy covers you for rain water run-off. Unless a flood also occurs within the same 48-hour period and it exceeds the height of the rainwater run-off level.

Do you cover the cause of the leak if I have a water damage claim?

We will cover the cost of repairing or replacing the water apparatus only if the cause of the leak is a listed covered event. If the apparatus bursts or leaks on its own and the claim is approved, we will cover the cost of repairing the damage caused by the leak, but you will need to fix the leak itself at your own expense.

Does my policy cover theft if I forget to lock my doors or windows?

Yes, our contents insurance covers theft if you forget to lock your doors or windows.

Do you cover damage caused by tenants?

No, our policy is designed to cover home owners only. We will not cover your home for accidental damage if your home is tenanted.

I’ve been approved for a claim and I want to use my own trades to make the repairs. Will you allow me to do that?

No, We utilise experienced, qualified builders that are part of our supplier network. They offer a lifetime guarantee on home repairs, which ensures the quality and workmanship of the repairs we authorise to your home for the lifetime of your home. If you request a cash settlement of the quoted amount to manage the repairs yourself and we agree, the lifetime guarantee will not apply.

A recent visitor to my home stole possessions covered under my contents policy, can I make a claim for them?

No, we will not cover loss or damage caused by theft or damage by tenants or boarders or anyone with whom you live, or anyone who enters your home with your consent.

Does this policy cover accidental damage?

Yes. Accidental damage of any part of the home building, or contents within the home is covered. There is no cover for accidental breakage whilst the home is tenanted

Does this policy cover mechanical or electrical breakdown (fusion)?

We cover mechanical and electrical breakdown for appliances including: air-conditioning units, hot water services, refrigerators, freezers, dishwashers, washing machines, and dryers. If the appliance is not repairable, we will pay the cost to replace the item, less 10% per year for wear, tear, and depreciation. Your basic excess will apply. Please read the PDS for full inclusions and exclusions.

Are my carpets and flooring included in my building, or contents insurance?

Your carpets & other unfixed floor coverings are covered under your contents sum insured. Please ensure the amount you insure your contents items for includes your personal belongings, as well as fixtures and fittings.

I’ve been approved for a claim and I want to use my own trades to make the repairs. Will you allow me to do that?

No, We utilise experienced, qualified builders that are part of our supplier network. They offer a lifetime guarantee on home repairs, which ensures the quality and workmanship of the repairs we authorise to your home for the lifetime of your home. If you request a cash settlement of the quoted amount to manage the repairs yourself and we agree, the lifetime guarantee will not apply.

Can I pay monthly instalments via BPAY?

No. We can only accept monthly instalments paid by direct debit from your bank account.

More FAQs
  1. Refer to your Product Disclosure Statement (PDS), Key Facts Sheet (KFS), and Certificate of Insurance (COI), to confirm your coverage. A supplementary PDS, or special conditions apply to some policies.
  2. This does not include cover for electronic equipment (e.g.: inverters, solar panels or their accessories, computers or their accessories, televisions, video or cd recorders, radios, amplifying or sound equipment, microwave ovens) or electric wheelchairs, electric or motorised golf buggies, gophers or other motorised transport.

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