Policy Comparison Table
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| Policy Features |
Vital Home | Classic Home | |
| Accidental Breakage of specified items | Yes | Yes | |
| Accidental Damage wording | No | No | |
| Additional costs of temporary accommodation (applicable to contents cover) | Yes | Yes | |
| Temporary accommodation for pets | $500 | $500 | |
| Automatic indexation of sum insured | Yes | Yes | |
| Change of address | Yes up to 14 days | Yes up to 14 days | |
| Compensation for death | Up to $10,000 | Up to $10,000 | |
| Compensation for fracture | No cover | Yes up to $1,000 any one accident, $3,000 in any one year | |
| Contents in a safe deposit box at a bank | Up to $250 for money, cheques and other negotiable instruments; up to 20% of the contents sum insured | Up to $500 for money, cheques and other negotiable instruments; up to 20% of the contents sum insured | |
| Defined events wording | Yes | Yes | |
| Contents in the open air at your address | |||
| a) Bicycles | Up to $500 theft & storm | Up to $500 theft & storm | |
| b) Money, business tools, equipment, furniture and stock | No | No | |
| c) Telephones | No cover on mobile phone | No cover on mobile phone | |
| d) Contents other than a) to c) | Up to 20% of contents sum insured ($1,000 theft and storm) | Up to 20% of contents sum insured ($1,000 theft and storm) | |
| Contents miscellaneous | |||
| a) Unregistered motor cycles to 125cc | No | No | |
| b) Mobile phones | Yes (excluding analog) | Yes (excluding analogue) | |
| c) Watercraft (canoes, sailboards, surfboards, surf skis, non motorised to 3m) | Yes | Yes | |
| Contents with specified limits: | |||
| a) Jewellery, watches and items containing gold and silver. | $2,000 item/ total $7,500 | $2,000 item/ total $7,500 | |
| b) Document, collection, set. | $5,000 item/ total $7,500 | $5,000 item/ total $7,500 | |
| c) Pictures, works of art, curios, oriental rugs/carpets. | $5,000 item/ total $7,500. | $5,000 item/ total $7,500. | |
| d) Money | Up to $250 | Up to $500 | |
| e) Unfitted accessories and spares of motor/air/water vehicles and caravans | Up to $1,000 | Up to $1,000 | |
| f) Items owned for business, trade or professional purposes | Up to $14,000 | Up to $14,000 | |
| CD's | Up to $2,500 | Up to $2,500 | |
| Continuation of cover when you are selling your buildings | Computers up to $10,000; tools, instruments and equipment up to $2,500; stock up to $1,500 | Computers up to $10,000; tools, instruments and equipment up to $2,500; stock up to $1,500 | |
| Credit Cards- cover for Loss or Theft | Up to $2,500 any one occurrence | Up to $5,000 any one occurrence | |
| Emergency storage of Contents | Cover Included | Cover Included | |
| Domestic Workers' Compensation | Available at additional premium (selected States and Territories only) | Available at additional premium (selected States and Territories only) | |
| Earthquake | Yes Excess $200 | Yes Excess $200 | |
| Explosion | Yes | Yes | |
| Fire or Smoke | Yes | Yes | |
| Fusion | No cover | Motors up to 10 years (no depreciation) | |
| Guests and visitors property (lost or damaged). | Up to $5,000 | Up to $5,000 | |
| Impact damage | Yes | Yes | |
| Landscaping | No cover | Up to $2,000 | |
| Legal Defence Costs | No cover | No cover | |
| Legal Liability-cover for injury to other people and their property (Australia & Worldwide) | $10 million + legal fees | $20 million + legal fees | |
| Lightning or thunderbolt | Yes | Yes | |
| Malicious acts | Yes | Yes | |
| Modification to your buildings as a result of paraplegia or quadriplegia | Yes up to $10,000 | Yes up to $10,000 | |
| Mortgage discharge costs | Up to $5,000 | Up to $5,000 | |
| Cooling off period | Yes | Yes | |
| Personal effects cover (specified and/or unspecified): World Wide Period | Yes, anywhere in Australia and maximum 35 days world wide when content insurance taken out (additonal premium) | Yes, anywhere in Australia and maximum 35 days world wide when content insurance taken out (additonal premium) | |
| Reinstatement of Sum Insured after a loss | Yes | Yes | |
| Removal of debris, professional fees & extra costs | Yes | Yes | |
| Rental costs after an insured event (Applicable to contents cover) | Yes | Yes | |
| Replacement of locks or cylinders | $1,000 | $1,000 | |
| Riot or civil commotion | Yes | Yes | |
| Security firm attendance | Up to $500 | Up to $500 | |
| Spoilage of freezer food. | No cover | Up to $500 | |
| Storm, rainwater or run-off. | Yes | Yes | |
| Tax Audit | No Cover | Up to $5,000 | |
| Temporary removal of contents from your address in Australia 90 days max | |||
| a) Cover whilst possession and under direct control (theft excluded) | 20% of contents - limits apply | 20% of contents - limits apply | |
| b) Cover in a dwelling, hotel, motel, nursing home, etc. | 20% of contents - limits apply | 20% of contents - limits apply | |
| c) Limits for: | |||
| Limit for jewellery | Up to $2,000 | Up to $2,000 | |
| Limit for pairs, sets, collection for all other contents | Up to $1,500 | Up to $1,500 | |
| d) Cover in New Zealand | Yes | Yes | |
| Theft burglary or housebreaking | Yes | Yes | |
| Title Deeds | Up to $2,000 (preparation) | Up to $2,000 (preparation) | |
| Transit to your new place of residence | No | No | |
| Veterinary Costs | Up to $500 | Up to $500 | |
| Water or other liquid damage | Yes | Yes | |
| Buildings: alterations, additions, repairs. | $50,000 before notification | $50,000 before notification | |
| Buildings in the course of construction | Cover available | Cover available | |
| Strata title mortgage protection cover | Cover available | Cover available | |
| New for old replacement | Yes | Yes | |
| Other Policy Limits | |||
| Buildings: | |||
| Landlords contents (carpets & curtains) | Up to $10,000 | Up to $10,000 | |
| Building Materials | Up to $1,000 | Up to $1,000 | |
