Summary of key benefits
Use the table below to find out the key benefits of our Home and Contents Insurance to decide which cover is best for you. If you need assistance or more information, please contact us.
| Key benefits |
Accidental Damage
|
Listed Events
|
| Accidental Damage cover |
Yes
|
Fixed glass and windows only
|
| Accidental Loss cover |
Yes
|
No
|
| Electrical burnout of motors and pumps less than 15 years old |
Yes
|
Yes
|
| Replacement of keys and repair and re-coding of locks and barrels for either external doors or windows |
Unlimited
|
Up to $1,000
|
| Money and negotiable documents |
Up to $1,200
|
Up to $750
|
| Credit card loss liability |
Up to $5,000
|
Up to $5,000
|
| Works of art including paintings and rugs |
Up to $20,000 per item, unless specified separately
|
Up to $20,000 per item, unless specified separately
|
| Loss of frozen foods as a result of domestic freezer failure |
Unlimited
|
Up to $500
|
| Loss of frozen food from any cause |
Unlimited
|
No
|
| No loss sharing penalty for underinsurance |
Yes
|
Yes
|
| New for old contents cover |
Yes
|
Yes
|
| Liability cover |
$20 million
|
$20 million
|
| Monthly payment option |
Yes
|
Yes
|
| Australia wide: | ||
| - Bicycles |
Yes
|
No
|
| - Mobile phones (up to $2,500) |
Yes
|
No
|
| - Photographic equipment (up to $2,500) |
Yes
|
No
|
| - Camping equipment |
Yes
|
No
|
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*Eligible Insurance Policies are: New Building, Contents, Combined Home and Contents, Motor Vehicle and Landlords Residential Property policies purchased within the promotion period (16/11/2020 to 11/12/2020) through MyState Bank. The promoter is MyState Bank. Competition is open to TAS and QLD residents only. All Prize Draw information available in full terms and conditions. More Conditions of Entry apply and are available at mystate.com.au/legal. MyState Bank Limited (MyState Bank) ABN 89 067 729 195 AFSL 240896 acts under its own AFSL and under an agreement with the product issuer, Insurance Australia Limited ABN 11 000 016 722 (IAL) trading as CGU Insurance AFSL 227681. Offer is subject to underwriting T&Cs and acceptance criteria. Please consider the PDS at mystate.com.au to see if the product is right for you.
MyState Bank Limited (MyState Bank) ABN 89 067 729 195 AFSL 240896 acts under its own AFSL and under an agreement with the Insurance product issuer, Insurance Australia Limited ABN 11 000 016 722 (IAL) trading as CGU Insurance. Consider the appropriateness of any product to your own circumstances, IALs normal underwriting, terms and conditions, acceptance criteria apply. Consider IALs Product Disclosure Statement (PDS) available at mystate.com.au.