onehome

OneHome is customisable

Building and/or contents for owner occupied properties, holiday homes, and rentals (for either the renter or the landlord). Both listed events and accidental damage wordings are available. There are a variety of optional extras to choose from.

Work from home and hobby farm extensions are available as optional extras

Work from home extension

Available as an optional extra when accidental damage & contents coverage is selected. Home office, home surgery or goods that you use as a tool of trade or earning your income whilst they are at the insured address.

Hobby farm extension

Available as an optional extra when accidental damage & contents coverage is selected. Coverage for your farm equipment and buildings when you have a hobby farm.

Variable excesses so you can customise cover based on your client’s risk appetite

Variable excess - escape of liquids

Available for both accidental damage and listed events coverage. Under this option, you are able to select a specific excess which applies for escape of liquid claims only.

Variable excess - natural peril

Available for both accidental damage and listed events coverage. Under this option, you can select a specific excess which applies to natural peril claims only.

Other optional extras available so you get the right coverage for your client

Mechanical breakdown

Available as an optional extra on accidental damage policies. This optional cover for any unforseen physical loss or damage to machinery which form part of your building and/or contents, depending on the type of coverage selected.

Ability to increase cover for valuable or portable contents

For owner occupied, holiday home & renter's contents (not available if you are a landlord)- available in both listed events and accidental damage policies. Certain valuable portable items can be insured in your home for more than our fixed limits outlined in the PDS. Portable contents can be insured in and away from your home.

Glass breakage

This optional cover insures glass breakage to your building and/or contents cover for a listed events policy.

Additional landlord protections

Theft of contents by the tenant occupying the building, rent default, and loss of rent in the case that the building is unliveable due to an insured event. These optional coverages are available for both listed events and accidental damage cover.

Motor burnout

If a listed events policy is selected, the option to add coverage for electric motor(s) to your building and/or contents coverage in the case that they have been burned out or damaged by a power surge.

Pontoons, jetties, and wharves

Under this option on both listed events and accidental damage policies, your buildings cover is extended to include pontoons, jetties, wharves or similar.

OneHome

OnePatch saves you time

Our portal, OnePatch, saves you time with fewer referrals with all underwriting decisions built in. Are you a broker and interested in quoting OneHome for your clients? Give us a few basic details here and we will be in touch!

Target Market Determinations, Key Fact Sheets, and Premium, Excess and Discount Guides

We have established Target Market Determinations (TMD), Key Fact Sheets (KFS), and Premium, Excess and Discount Guides (PEDG) for our OneHome insurance products we offer through our network of brokers. If you need guidance about our TMD, KFS and/or PEDG and how they apply to your policy, please reach out to your broker for assistance.

Accidental Damage

Current versions of our documents are listed below.

KFS OneHome Accidental Damage Building

KFS OneHome Accidental Damage Contents

PEDG Accidental Damage

TMD AD Building

TMD AD Contents

TMD AD Landlord

Listed Events

Current versions of our documents are listed below.

KFS OneHome Listed Events Building

KFS OneHome Listed Events Contents

PEDG Listed Events

TMD LE Building

TMD LE Contents

TMD LE Landlord

Older Versions

For older versions of our documents, please visit our document library

features

information

resources

Clover Insurance Pty Ltd (ABN 19 653 550 371, AFSL 538528) is authorised by RAC Insurance Pty Limited (ABN 59 094 685 882, AFSL 231222) as an agent to issue OneBusiness Pack. This is general advice only provided by Clover under its AFSL and does not take your personal objectives, financial situation or needs into account and may not be right for you. Always read the PDS and any other relevant policy documentation, available via your broker, before making any decision.