Page 37 - Hollard Private Portfolio - Version 3.3

Household contents
Key terms to understand
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Household contents
○ Outbuildings, such as garages, storage rooms, garden sheds, Wendy houses, Zozo huts, greenhouses, staff quarters, studios, consulting rooms, flatlets, cottages or any other building that is not attached or connected to the main building with an interleading door.
Household tangible and movable items kept at the risk address, that belong to you or for which you are legally responsible. It also includes installed fixtures and fittings that belong to you, for example as a tenant or as the owner of a sectional title building, as long as the fixtures and fittings are owned by you and you are financially responsible for the fixtures and fittings under your rental agreement, and we have agreed to it in writing.
The definition of Contents does not include:
○ Motor vehicles, motorcycles, golf carts, watercraft, aircraft, caravans and trailers and their contents.
○ Animals including fish, reptiles, pets and livestock
○ Water in tanks, swimming pools, spas or any other water container.
○ Unset precious stones, individual stamps or coins.
Your home and outbuildings are unoccupied if you or any of the people who usually live there or the person left on the premises in charge of and with access to the private residential building, have all gone out
A building is uninhabitable when we agree that it is not safe or suitable to be lived in while being repaired because of a valid claim under this policy
Your home, outbuildings and the grounds on which they are built Means that all buildings have been built with:
○ walls of brick, stone or concrete and
○ roofs of slate, tile, concrete, asbestos or metal
Means that a building has been built with material other than those defined in the above definition of "Standard construction" such as a thatch roof or walls of wood
A guest who stays at the home for a short period, without a contract, in exchange for a fee
A person who signed a rental agreement to live in the home for a set period. This includes sub-tenants
Refers to the movement of the land that supports the home.
Subsidence means sinking, for example the vertical, downward movement of the soil.
Landslip means the sliding down of a mass of land. It is in effect a small landslide and it typically occurs on a slope.
Ground heave means the upward movement of soil supporting the home.
Collectables mean any item that is regarded as being of value or interest to a collector, for example firearms, stamps, coins and medal collections. We will pay up to the value set out in a recognised catalogue or pricelist as at the date of the loss or damage, or as determined by an independent specialist
Unoccupied
Uninhabitable
Premises
Standard construction
Non-standard construction
Paying guest
Tenant
Subsidence, landslip or ground heave
Collectables
Includes yourself, your spouse and any members of your immediate family who normally reside with you and are financially dependent on you
The private residential building (main building) situated at the risk address as shown in your policy schedule and used for domestic purposes (for example a house, townhouse or flat).
Hollard Private Portfolio – Version 3.3 – 9 Feb 2023 35