Renters Protection Package
Donnellys can offer you a special combined policy package:
Your Rented Home Contents either at the location or worldwide temporarily;
Rent cover so you can keep a roof over your head when you are unable to work due to an Accident or Sickness. – plus you can add cover for your other regular living expenses to protect your family’s lifestyle;
And you are covered up to $20M for Public Liability in case you are negligent in causing injury or damage to others’ property, e.g. you start a fire.
Gold Star Renters Home Contents Policy Summary:
- FLOOD cover available in most locations
- Covers any accidental misfortune not specifically excluded so it provides a broad safety net cover and is not limited to a list of specified events cover like most policies
- Worldwide automatic cover for personal items such as jewellery up to $10,000 any one item, camera, sporting equipment and other contents while away from home. Most policies limit coverage to the residence for these items unless additional cover is requested
- Replacement cost as new coverage – even though your property or contents may be many years old.
- Unspecified jewellery cover at home up to $10,000 per item – usual limit is $1,000
- Legal liability for bodily injury or property damage anywhere in the world up to $20M – often limited to Australia and NZ and $10M coverage
- Credit card fraud coverage if it is lost or stolen up to $5,000 – usual limit is $1,000
- Accidental loss or theft of money up to $2,000 at and away from home – usual limit is $500
- Veterinary expenses for pet injured in a road accident up to $1,000 – often not covered
- ATO Tax audit of your financial affairs up to $5,000 expenses – not usually covered
- Legal defence costs incurred by or against you up to $5,000 – not usually covered
- Mechanical or Electrical Breakdown of Home Appliances … usually Fusion cover only
- Personal Liability coverage up to $20M worldwide
Donnellys recommended Lifestyle Protection Insurance product provides a sick leave bank of up to 3 years in the event of a serious injury or for sickness so you can pay your Rent and other vital living expenses.
Key Policy Features:
- Premiums are fully tax deductible & claims are assessable income
- Insure 85% or part of your salary up to $1,500 per week
- Flexible maximum benefit period
- Available for part-time / casual staff
- Easy to apply – no medical necessary
- Excludes pre-existing medical conditions
- Cover limited to Age 65 unless otherwise agreed
- Monthly premium payments available
Consider how you would cope with your family’s living expenses if your regular income suddenly stopped for an extended period or you faced a huge liability suit without Donnellys Renters Protector.