H O M E I N S U R A N C E
B U I L D I N G A N D C O N T E N T S
WHEN A DIRECTOR, PARTNER, OWNER OR MANAGER PLACES THEIR BUSINESS INSURANCE THROUGH EARTH INSURANCE AND ALSO PLACES THEIR HOME INSURANCE THROUGH EARTH INSURANCE.
EARTH INSURANCE WILL DONATE THE PROFESSIONAL FEE FOR THE HOME INSURANCE POLICY TO HOMES FOR THE HOMELESS
About insurance calculators
Most insurance policies pay a policyholder (or carry out the works) up to a set financial limit. This is called the sum-insured and represents the maximum value of your policy. Choosing the right sum-insured for your property and contents is important. Should the worst happen and you have undervalued your assets, you may not have enough financial capacity to rebuild or replace all of your belongings. Web calculators that reference current building and replacement costs play an important part in helping you decide the sum-insured. Many insurance companies provide access to web calculators on their website.
C O N T E N T S C A L C U L A T O R
Disclaimer
The results from this calculator are an approximate guide only and should not be taken as advice or a recommendation to acquire any product or level of insurance cover. Typical building replacement costs are provided by Cordell Information Pty Ltd (A.B.N. 95 159 137 274) ('Cordell') and typical building contents replacement costs are provided by Sum Insured Pty Ltd (A.B.N 55 947 630 521) ('SI'). Whilst every care is taken to ensure the accuracy of the information as a guide for costing, no responsibility is accepted by either Cordell or SI for its accuracy. Please check with an Architect, Builder, Quantity Surveyor, Valuer or other suitably qualified professional for an accurate estimate and consider whether you need to obtain financial advice before selecting an insurance product suitable for you. Insurance Council Australia Ltd (A.B.N 50 005 617 318) takes no responsibility for the costs provided by Cordell or SI, nor any liability for the accuracy of, reliance upon or use of the costs. You accept all responsibility for assessing the suitability of the calculator for your own requirements. You agree that your use of this calculator is at your own risk. By viewing or using the calculator(s), you are deemed to accept the above.
B U I L D I N G S U M I N S U R E D C A L C U L A T O R
Disclaimer
The results from this calculator are an approximate guide only and should not be taken as advice or a recommendation to acquire any product or level of insurance cover. Typical building replacement costs are provided by Cordell Information Pty Ltd (A.B.N. 95 159 137 274) ('Cordell') and typical building contents replacement costs are provided by Sum Insured Pty Ltd (A.B.N. 55 947 630 521) ('SI'). Whilst every care is taken to ensure the accuracy of the information as a guide for costing, no responsibility is accepted by either Cordell or SI for its accuracy. Please check with an Architect, Builder, Quantity Surveyor, Valuer or other suitably qualified professional for an accurate estimate and consider whether you need to obtain financial advice before selecting an insurance product suitable for you. Insurance Council Australia (A.B.N. 50 005 617 318) takes no responsibility for assessing the suitability of the calculator for your own requirements. You agree that your use of this calculator is at your own risk. By viewing or using this calculator(s), you are deemed to accept the above.
CONTACT EARTH INSURANCE FOR
YOUR
HOME
INSURANCE
HOW TO CLAIM
CONTACT EARTH INSURANCE ON 1300 EARTH 0 AND SELECT OPTION 3 FOR OUR 24 HOUR CLAIMS TEAM
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If you need to lodge a claim please contact us to assist you in gathering all the information provided to lodge your claim.
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If you have NOT been able to get through to Earth Insurance in an emergency you can contact
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Berkshire Hathaway Insurance Australia
You can also call Berkshire Hathaway Insurance Australia directly if you need immediate assistance after hours or need to secure your home or property.
Phone (Toll Free): 1300 559 019
Overseas: +61 2 95418484
Email: claimsbhia@iag.com.au
Innovation Group acts as manager and administrator of claims on behalf of Berkshire Hathaway Insurance Australia.
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What to do in the Event of a Building, Contents or Landlord claim
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Ensure your home is secure and any occupants are safe.
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Contact your broker to report your claim as soon as possible, advising all the details of the incident and the details of what has been affected such as broken windows, a damaged roof or stolen contents. If it is an emergency or your home is not secure, you can contact 1300 559 019 for immediate assistance
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In the event of theft or malicious contact the police immediately and obtain a report.
As soon as Earth Insurance passes on the details to Berkshire Hathaway they will lodge your claim and inform you of your claim number and the next steps required. If there is an excess you need to pay we will tell you.
If required you may be asked to provide documentation including:
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Photos
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Receipts
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User Manuals, or
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Repair Receipts
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For Landlord Loss of Rent/Rent Default claims – you will need to provide a copy of a written rental agreement along with the details of the bond held.
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For Landlord Damage – you may be asked to provide copies of damage condition reports. Please retain copies of any property inspections.
Earth Insurance will advise you what further documentation is required so we can process your claim as quickly as possible. We will arrange for an assessor to visit your home where necessary and arrange for a repairer or replacement providers to provide quotations for your damaged items.
When destruction, loss or damage occurs to any item of your Contents, we will do one of the following:
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Replace the item with the nearest equivalent new item;
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Repair the item to the condition it was in at the time immediately before it was destroyed, lost or damaged; or
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Pay you the cost of replacement or repair.
The Insurer will decide which one they will do.
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PLEASE NOTE THAT NOT EVERY HOME INSURANCE POLICY THROUGH EARTH INSURANCE IS PLACED WITH BERKSHIRE HATHAWAY INSURANCE AUSTRALIA , HOWEVER WE PROVIDE THIS INFORMATION AS THE MAJORITY ARE. IT IS IMPORTANT THAT YOU ALWAYS CALL EARTH INSURANCE BEFORE YOU ATTEMPT TO MAKE CONTACT WITH BERKSHIRE HATHAWAY.
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