Page 43 - Hollard Private Portfolio - Version 3.3

Household contents
Keys, locks and remote controls
We will pay for the cost of replacing lost, stolen or damaged keys, locks and remote controls, as well as the call-out costs of a technician and the reprogramming of any coded alarm system. This will also apply if you have reasonable suspicion that an unauthorised person has access to duplicates.
Check your Schedule now to see if this limited cover is likely to be sufficient to cover the full replacement cost in the event of loss or damage. If you feel that it is not enough, you may ask us for additional cover so that we can increase the limit.
Money
We will pay for loss of money or negotiable instruments, provided there are visible signs of violent and forced entry to or exit from your home.
Office contents
We will pay for loss or damage to any goods or equipment in your home or outbuildings that are solely used for administrative or clerical work in your home office – for example, in your home profession or any one-person business that you run on the premises. If, for example, you are a plumber we will cover your office desks, cabinets and computers but not any of your tools, equipment or material you use to install or repair any plumbing.
Pest contamination
We will pay for professional extermination and control of pests caused by a sudden and unexpected infestation of your buildings that:
○ Is a risk to your health.
○ Can lead to loss or damage to your household contents.
○ Makes your home inhabitable.
This cover does not apply to infestations of termites or woodborer, or if your buildings have been unoccupied for more than 60 days, unless your home is listed as a holiday home on the policy schedule.
Personal documents
We will pay the costs of replacing the following important documents if they are lost, damaged or stolen from your home or any other location in the world:
○ An identity document, driver’s licence and passport.
○ Valuations for your home and contents.
○ Wills and the land title to your home.
○ Marriage and birth certificates.
○ Contracts and agreements.
○ Education certificates.
Professional cleaning services
We will pay for a professional organisation to clean your household contents, if the contents have been soiled or stained during an assault on you by a party other than your family.
Property of parents and grandparents
We cover loss of or damage to property of your parents and grandparents if they do not have their own contents insurance. The following conditions apply:
○ Your parents must be financially dependent on you, and reside in a nursing home or residential care home.
○ This cover does not include loss of or damage to money, jewellery, watches and bank cards.
Power surge
We will cover you for loss or damage to the household contents caused by power surge. An excess, as shown in your policy schedule, will apply if you do not install an approved surge protection device. Please refer to the Power surge protection device section under Your responsibilities for the device requirements.
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