BUILDINGS INSURANCE - WHAT YOU ARE NOT COVERED FOR
a typical home buildings insurance policy, you or your family cannot
claim against your own liability cover. This means the insurer does
or bodily injury to you or your family.
to your property or your family's property.
person who lives with you in your home cannot claim against your
liability cover , unless they are a boarder or tenant. The insurer
will not extend liability cover to you or your family where you or
your family hold or ought to have held compulsory workers'
compensation insurance to cover the liability. To know whether you
should hold workers' compensation insurance, please contact:
WorkCover Authority of NSW, or
insurer will not extend liability cover to you or your family where
because you or your family have agreed to take the liability upon
of intended results of acts or omissions, or results of acts or
omissions done with reckless disregard for their consequences, by
you or your family or a person acting with the consent of you or
it is a result of a deliberate and unlawful act of you or your
family or a person acting with the consent of you or your family.
of any business, trade or profession being conducted in your home
or on the site.
insurer will not consider the letting of your home for domestic
purposes to be a business, trade or profession.
of building work, to the value of $10,000 or more, being carried out
at your home or on the site. Building work means altering or
removing all or part of any wall, floor, foundation, roof or
structural component of your home, or building a new structure at
your home or the site is being used for the purposes of farming.
the transmission of any disease by you or your family
of the use of a vehicle, aircraft or water borne craft.
insurer will not consider bicycles, wheelchairs, golf carts or
remote controlled toys to fall into this category.
erosion, subsidence, or landslide
of an incident caused by an animal and will cover an incident caused
by a dog, cat or horse kept as a pet.
any fines or court costs as a result of you being charged under the
Dog Act 1966 NSW or any similar legislation in any other State or
of the presence of asbestos in your home or on the site.
exclusions – home buildings insurance