We understand that your house and what you fill it with are more than just belongings. They often build up over a lifetime and reflect what you have accomplished. Platinum Home offers extensive customer value and is backed by Chubb’s award-winning claims service.
We will pay up to an additional 30% above the sum insured for your house in the event of a total loss as a result of a named catastrophe.
Whether it’s that precious engagement ring or impressive timepiece, Platinum Home provides generous cover for the things you cherish the most.
If we are unable to match materials used in repairing or replacing your house or contents, regardless of how much or little damage occurs, we will pay up to $10,000 to replace any undamaged materials in order to match.
We help you protect the environment by replacing your damaged appliances with a minimum 4-star energy rating. If your house has been totally destroyed, you can choose from a range of eco-friendly home additions when rebuilding your house, putting energy back into the grid.
Your possessions are automatically covered for accidental loss or damage when temporarily removed from your house, even when you’re travelling. We will also cover new contents purchased anywhere in the world, for example, while you are away on holidays.
In the event of a water damage loss exceeding $10,000, we will cover the cost up to $1,000 to install a water leak detection and control system to prevent or mitigate a future occurrence.
In keeping with today’s digital home, we want families to have the confidence they are covered for online cyber attacks, including ransomware, malware, financial loss, cyber bullying and breach of personal information which includes identity fraud expenses.
With the increase in social media and time spent online, there is an increased chance of cyber bullying and breach of privacy. We’ll provide financial compensation for expenses incurred.
In the event of a ransomware attack claim, we have 24/7 support available. A team of cyber specialists will be able to quickly respond to any online threat.
In the event of a cyberattack, we’ll help financially by replacing non recoverable account funds from your bank account along with a number of other listed associated costs.
Chubb provides you with referral access to our panel of specialist service providers for up to two call outs per year. Our Chubb Assistance hotline is available 24/7 and includes referral to specialists such as plumbers, locksmiths, electricians, air conditioning professionals and glaziers.
In the event a bodily injury results directly in accidental death or permanent disablement, we wanted to ensure continuity of your Platinum Home policy without the need to reduce or cancel your cover. We’ll cover your annual premium payments for up to five renewals.
Some of the primary exclusions include loss to home & contents caused by:
Some of the primary exclusions for Platinum Home cyber coverage include loss arising or resulting from :
A false incident report.
Cyber bullying occurences caused by an employer or co-worker.
Intentional, malicious or fraudulent acts of certain persons.
Business activities or liabilities.
The above represent a selection of the policy highlights, for the full terms, conditions and exclusions, refer to the Platinum Home Product Disclosure Statement.
Platinum Home is issued and underwritten by Chubb Insurance Australia Limited ABN 23 001 642 020, AFSL No. 239687 (Chubb). Cover is subject to the terms, conditions, limits and exclusions of the policy. Chubb only provides general advice and does not consider your objectives, financial situation or needs. To decide if this product is right for you, please read the Platinum Home Product Disclosure Statement and Policy Wording, available at www.chubb.com.au.
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