I understand their service is good but the premium price is quite high for me. It is imperative to ring your insurer and report the PV system and discuss it, but if your. 1800 634 686. 22 Sum Insured Calculator Estimate the cost to rebuild your home. A discount of 10% is applied to your premium when you combine Home and Contents on one Home Insurance Policy. For homeowners. To view the new sums insured, check your renewal documents. This calculator estimates the value of your home contents using values supplied by Sum Insured Pty Ltd, Australia’s leading provider of building contents cost information. Premium Care, which costs $18. NRMA Insurance is part of the Insurance Australia Group. Premium is based on Terri Scheer Landlord Preferred insurance policies. Hi Roome,CGU Insurance cover aims to provide you with protection and peace of mind, so that in the unfortunate event that your home or contents are lost or damaged, you will be covered for their full repair or replacement cost. Membership with NRMA* (except NRMA* Business Membership) counts towards your Policy Count and, for a limited time, Years of Relationship for the NRMA Insurance Loyalty Discount but it doesn’t receive the NRMA Insurance Loyalty Discount. International insurance policies offer ten levels of cancellation cover. We'll install your car battery replacement 24/7 wherever you need it. The NRMA (trading name of National Roads and Motorists' Association) is an Australian organisation offering roadside assistance, advocacy for motorists and road-users, motoring advice, car servicing, International Driving Permits, travel and other services in New South Wales and the Australian Capital Territory. From the house itself, to your garage, fences, paved driveways, and even fixtures, like showers and baths, hot water systems, air conditioners and more. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Download the RateCity App. So if GIO Home Assist is available at your insured address and you’ve had GIO Home Assist added on your policy for 24 hours or more and you come home. NRMA. Weekdays, 8am to 6pm. With NRMA Insurance finding 13 per cent of renovations cost more than $30,000, experts are urging home owners to protect themselves by bringing their policies up to date. 1 Building and contents calculators are provided by CoreLogic and should only be used as a guide. When making decisions about a product, always read the Product Disclosure Statement & Policy Booklet. Generally, vehicles more than five years old are required by the RMS to pass an eSafety check – also referred to as a pink slip, or rego check – before you can renew your registration. Shop around and stop being ripped off. 99 a month and has 20km of free towing. au. Pictures. Don't remember your details? Log in easily with your mobile and date of birth here . Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Whilst home insurance covers the structure of your home, contents insurance covers the possessions inside it. The advice on this website is general advice only and does not take into account your individual objectives. It’s quick and easy! Important Information. By providing general information about your home the calculator will provide an estimated contents value and summary that you can. Download the My NRMA app to book and track roadside assistance. Legal And General House Insurance Coverage Definitions - Property & Casualty Insurance ServicesInsurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. Cover your home inside and out with Home Buildings & Contents Insurance from NRMA Insurance in NSW, QLD, TAS, ACT, WA, SA and NT. Loss or damage to jewellery caused by an insured event is covered by AAMI Contents Insurance, if the loss or damage occurs at the insured address. NRMA Insurance is part of the Insurance Australia Group. Your rates can vary by location, driving history and the car you drive. Very expensive for landlord insurance. NRMA Home Insurance: 39 questions on Australia's largest opinion site ProductReview. NRMA Insurance is part of the Insurance Australia Group. a. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Get a quote online today. Make a claim, 24/7. You’ll be pleasantly surprised at just how much cover you get! Compare our three covers. NRMA Home Plus Insurance will give your home and its extras like pools, garages and sheds the best care around. A valid rental agreement is required. In recent times, North Queensland has been severely impacted by natural disasters including cyclones and floods, and these disasters have contributed to rising insurance premiums. Insure for fire, theft, flood, storm, hail, and cyclones. ^The Building and Contents calculators. 227681 trading as NRMA Insurance • Underwritten by Insurance Australia Limited AFS Licence No. Classic Extras and Platinum Home and Contents comes with cover. 5. Muzeeb on 22/11/2020 - 20:23. Top pick for price: Youi home insurance. 227681 trading as NRMA Insurance G01672211/21. I’ll be switching to NRMA for my car & house insurance too. Specified contents Increase the limits on specific items inside your home which have a higher value than our standard cover limits. Up to 12 months temporary accommodation after an insured event if your home is unfit to live in. That’s why we like this home contents calculator. The first step in how homeowners insurance is calculated is to estimate your home’s rebuild cost. Protect your home and contents with a lifetime guarantee on authorised repair work with NRMA Home Insurance. com. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this. The team are insurance specialists who can support you directly and make sure you’ve got the level of cover you need. CGU research has shown up to 60% of people may be underinsured, with fewer than 1 in 5 people fully covered for their house and everything they own. NRMA Insurance is part of the Insurance Australia Group. But your rates will differ based on the car you buy, among other. 2 Additional benefits are included as standard such as alternative accommodation costs, domestic pet cover, emergency work and temporary repairs. Cover for loss or damage to sheds, carports. Home office equipment cover of up to $15,000 for those who have chosen to invest a bit more in. NRMA Insurance is part of the Insurance Australia Group. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. GIO Home Assist(Home cover only) Optional GIO Home Assist can offer you help from a plumber, electrician, locksmith or carpenter in the event of a home emergency (for a period of up to 2 hours). For home policies, please read our Home Key Facts Sheets (KFSs) which set out some of the events/risks covered and not covered by our home policies and other. This website is an Australian Government initiative designed to help North Queensland residents compare some home insurance policies and indicative premiums. GIO home insurance lets you choose from 3 levels of cover: Classic, Classic Extras and Platinum. This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 . It comes with plenty of benefits included as standard and an additional 25% on top of your sum. Methodology. 50 or less per day for their landlord insurance. Get an estimate for the cost of replacing the contents of your home. Canstar researches and rates more than 100 home and contents, home-only and contents-only insurance policies from dozens of different providers. Stephen empowers people with choice and believes it’s important to have adequate cover in the event of the unexpected – fire, flood, storm or. Get a. We exist to serve our members and their communities, not shareholders. a garage, a carport or in-ground pool; fixtures that are permanently attached to your rental property e. NRMA Insurance is part of the Insurance Australia Group. An excess is the amount you pay towards the cost of your claim for each incident covered by your policy. Disclaimer: NRMA Car Loans products are provided by R. Rated 4. Accidental damage or accidental loss. 2. We tested six different online insurance calculators to get the rebuilding cost for a four-bedroom home, and found the results varied by as much as $71,500 between different insurance companies for the same size. protecting what matters most. Comparison rate: 7. As with our Third Party Property Damage cover, Third Party Fire and Theft Car Insurance covers you for damage you cause to someone else's car or property up to $20 million. These calculators' estimates may be different than estimates you get during your quote. Bottom floor consists of a foyer, garage, laundry which has door going out to back yard and a 32 m 2 room, which is my. Key takeaways. More towing. NRMA Insurance is part of the Insurance Australia Group. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). The results are not advice on how much you can or should borrow, which product you should choose, the product features or options, or about. NRMA Insurance is part of the Insurance Australia Group. For a more accurate estimate, you can list your contents using the. Comprehensive Car Insurance from NRMA Insurance* protects your car for accident damage, theft, severe weather, and more. Up to $30 million legal liability cover. accurate result to suit your household. Home insurance. 5/5 for customer service. NRMA Insurance is part of the Insurance Australia Group. Cover for: Electricals, appliances, furniture, jewellery and more. The amount I was insured for was under value because of inflation, the cost to replace the house. Based on general information held about your home, and information you provide, the calculator will generate an estimate of your home contents replacement value. Cover is subject to your application for insurance being accepted. Your contents in transit when. Pros. Get a quote Make a home claim. Hi Jan, thank you so much for this positive review and choosing NRMA for your insurance needs. Loss. Sum Insured Home Contents Calculator. *Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 (IAL), trading as NRMA Insurance which is separate and independent from National Roads and Motorists’ Association. AFS Licence No. A. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. National Roads and Motorists’ Association Limited ABN 77 000 010 506 (NRMA), is an authorised representative of IAL. Insurance calculators. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this. 3 billion (IAG, 2022). Use Bankrate's insurance calculators to compare life, term, whole and other insurance products to find the one that best meets your needs. au. The first thing you should do is get another quote from one of the often cheaper challenger brands, where at times the gap between your old bill and a new provider can be as much as $1000. 99% p. This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL. ING is a business name of. The most secure door lock is the 5-lever mortice deadlock (conforming to BS3621). Ultimate Care. NerdWallet averaged rates for 40-year-old men and women for all ZIP codes in any of the 50 states and Washington, D. 13 19 03. NRMA Insurance is part of the Insurance Australia Group. Insure too high, and you are overpaying on your. View all in Insurance calculators; Life cover calculator;. Depending on your claims and insurance history, you could get a No Claim Bonus of between 0% and 20% 1. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). In the scheme of a house that will be insured for $500K upwards, often very much upwards, one would reasonably expect a $5-15K PV system should comfortably fit. To help gauge the current replacement value of your home and/or contents, you can undertake a review of your assets with the buildings calculator and/or contents calculator provided. Dividing the room into a particular number of separate sections is an effective way to calculate the room's precise size when it has an irregular shape. Suncorp Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. Apply now or Call 1300 732 398. NRMA Insurance is part of the Insurance Australia Group. Canstar also gives Awards to the providers. If you don’t have enough, you may not be able to rebuild your home the way. That’s how membership makes all the difference. Cordell Sum Sure. While the NRMA has been lobbying on behalf of drivers and road users for positive change for over a century, not all of its roughly 2. Personal Insurance 8:30am to 5:00pm AEDST, Monday to Friday. . It’s not a professional valuation. AAMI’s building insurance offers cover to repair damage to your home caused by insured events. 20% 1 is the highest No Claim Bonus available when you get a new policy. Insurance calculators. From Building & Contents, to Building, Contents, and Landlord insurance, they all offer top quality cover for your home. Zubair April 18, 2017 Finder. au, ABN: 18 118 785 121) provides factual information, general advice and services on a range of financial products as a Corporate. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Explore exclusive perks across the NRMA family, redeem thousands of benefits with some of Australia’s biggest brands, and search for nearby discounts on fuel, food and parking. au. RACV Combined Buildings and Contents Insurance allows greater choice, with the flexibility to tailor your level of cover to suit your needs. This calculator is not suitable for. au Preparation date: 10 September 2023 Thank you for choosing NRMA Insurance. BCAA Home Insurance products for tenants, renters, condos, townhomes, houses and speciality coverage. Membership with NRMA* (except NRMA* Business Membership) counts towards your Policy Count and, for a limited time, Years of Relationship for the NRMA Insurance Loyalty Discount but it doesn’t receive the NRMA Insurance Loyalty Discount. Landlord insurance is a specific type of home insurance that is designed to cover many of the same risks as home and contents insurance, but also risks that may be particular to a rental property. We look forward to keeping you moving. To see if a product is right for you, always consider the Product Disclosure Statement and Target Market Determinations available from nrma. Our home and contents calculators are one tool that can help. Common questions. There are a total of 60 active coupons available on the The NRMA website. Details of your home Step 1 of 3. Calculate the current value of your home and contents with our easy to use home value calculators. At NRMA Insurance we cover you even if you forget to lock your windows or doors with Home Contents Insurance in NSW, QLD, TAS, ACT, WA, SA and NT. Up to 12 months temporary accommodation after an insured event if your home is unfit to live in. This can be paid on a monthly or annual basis. Covers the cost of loss or damage to your contents at home, such as your furniture, white goods, rugs, electrical appliances, or even your clothes, linen, and more. You get 30% off on your first year’s premium for a new. The NRMA Insurance app makes it easy to check your policies and know exactly what you’re covered for. com. Divide 300,000 by 1,000, then multiply that number by 3. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. 99%** p. Cordell Sum Sure is a user friendly online calculator that delivers property rebuild cost estimates, quickly and easily. Powered by. Easy to deal with, ready to help. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. For example, say your home is valued at $300,000. Events like identity or credit card theft and fusion are also covered. 27 apr 2020 nrma's easybiz@home business insurance also provides cover for personal accident and illness, motor vehicles Nrma Business Insurance and your domestic house and . Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). NRMA trademark used under licence from IAG, owner of the trademark for financial services. Home and contents insurance covers the cost of repairing or replacing your house and your belongings when something goes wrong. Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. View insurance options here. Business Insurance. Our most recent deal was added on November 12, 2023. NRMA Insurance is part of the Insurance Australia Group. The levels we offer for Building are between $200 and $2,500 and for Contents between $200 and $1,000. 1. 25% Claim Free Privilege 1 is earned after you've. When making decisions about a product you should consider the Product Disclosure Statement and Policy Wording available from NRMA Insurance. For home policies, please read our Home Key Facts Sheets (KFSs) which set out some of the events/risks covered and not covered by our home policies and other. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). au. Estimate how much it would cost to rebuild your home. With more trained technicians ready to help in more places, we get to you fast. A. Top pick for floods. Insurance Disclosure. g. The loan is suitable for a range of vehicle types, including new and used cars up to 3 years old. Eligibility criteria and T&Cs apply. C. 5% when you hold it for more than 25 years. Home Contents Calculator. Each year Your Policy renews, We will automatically review and. Interested in NRMA Residence Plus Buildings Insurance? Find all one product details, real customer reviews, and more on Mozo!Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. With Home Plus you get: An extra 25% on top of your insured amount to rebuild or repair your home (if you need it) Automatic cover for accidental damage. In short, contents insurance can help cover household items and personal belongings if they’re, lost, stolen, or damaged. Honey Insurance is our 2023 winner for comprehensive cover in home insurance. A limit of $2,000 per item (or set) applies and a total limit of $5,000 applies for jewellery and watches. Basic has you covered for floods, fires, break-ins and more. You can use our home insurance calculator to get an estimate so that when you get quotes from over 50 of Canada's top home insurance providers, you'll have the information you need to make informed decisions. If your business has been affected by COVID-19 and you have business interruption cover, talk to us about making a claim on 132 818. Contents insurance estimate calculator. Hypothetically speaking, say your house is damaged by an insured event during the period of insurance and the cost of repairing or replacing it costs $510,000 but your sum insured is only $485,000. It is distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and by ING Bank (Australia) Ltd ABN 24 000 893 292 as Authorised Representative 1247634 of AGS. Car Loans. Find out more about home and contents insurance here. NRMA Third Party Property Damage Car Insurance covers damage to your car caused by an at fault driver up to $5000. Of course, you need to review the info and adjust it if necessary. AU IAG Partner CN Home Content Calculator -- Step 1 of 3 Home Contents Calculator Need Help? Call 132 132. It’s hard to estimate what your contents are worth. For example, say your home is valued at $300,000. Things you should know. This is called the sum-insured and represents the maximum value of your policy. That's for $300,000 in dwelling coverage and liability with a $1,000 deductible. Best home insurance in November 2023. Our suggestion: before you renew with NRMA Insurance, check with other insurance companies and review their quotes - you may be surprised at what they can offer. This calculator combines Sum Insured’s home contents. Quickly calculate coverage limits for a homeowners insurance policy, including dwelling, personal property, and personal liability coverage. NRMA Home Insurance is a policy that’s got it all, with features including a lifetime guarantee on authorised repairs, new for old contents replacement, plus discounts for maintaining a clean claims history and staying loyal to NRMA. * Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 (IAL), trading as NRMA Insurance which is separate and independent from National Roads and Motorists’ Association. Claim online. For claims Call 13 24 80. Interested in NRMA Household Plus Contents Insurance? Find show that product details, real customer reviews, and get on Mozo!We would like to show you a description here but the site won’t allow us. Compare contents only insurance. Flexible insurance for Short-Stay Hosts and Rideshare Drivers. Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. Everyday Care. That home insurance estimate is for a policy with $350,000 in dwelling coverage, $175,000 for. Insurance calculators. Code of Practice. But this cost will vary significantly depending on a number of. To know for sure, check your. Get a quote It’s simple to get a home insurance quote. In addition to the small business stamp duty exemption, effective 1 January 2018, farmers and growers are no longer required to pay stamp duty on crop and livestock insurance. g. Give your clients peace of mind that their property’s sum insured value is based on timely data, rather than the original purchase price or builder’s estimate. Honey Insurance is our 2023 winner for comprehensive cover in home insurance. View Information about NRMA Insurance company in Australia. It comes with plenty of benefits included as standard and an additional 25% on top of your sum. Insurance calculators. Yes - standard excess. When you take out RACQ Home Insurance, you become a member. Automatic cover for electric motor burnout or fusion in things like fridges and washing machines. 4. 38/5 overall. For one address in the NSW Great Lakes region, the best price in our dataset was $34,000 – and only four insurers would quote. a. 8 out of 5 stars from 420 genuine reviews on Australia's largest opinion site ProductReview. Make sure items are insured for their full replacement value, not the amount originally paid. Up to 100km towing, even in remote areas or even further with major breakdown entitlements. PowerPants on 30/11/2020 - 08:54. You can specify this item when you get a quote and it will be added to your policy cover. By answering a few questions about your net worth, deductible preference, and the cost to rebuild your home and replace your belongings, the calculator can estimate homeowners insurance coverages and. MoneyGeeks's home insurance calculator will give you a ballpark estimate of your home insurance cost - it's free, no personal information required, no spam. a. If you have a recent and accurate estimate for the value of your home and contents, then it’s often a good idea to insure up to that particular sum to get your exact. Log in to your online account to lodge a car, home, motorcycle or caravan claim, anytime. About the refinance calculator: This refinance calculator is a guide only and provides an estimate of how much interest you could save by refinancing with NRMA Home Loans, based on the loan details selected for comparison, and the loan amount and loan term entered. Plus, if you’ve managed to keep a good claims history. So, answer all the questions as best. 5KB) FAQs & Help. Business Insurance 8:00am to 8:00pm AEDST, Monday to FridaySIXT car hire can be found in all three Sydney Airport terminal buildings, making it easy to pick up your rental vehicle as soon as you land and get on your way. The information in this PDS is current at the preparation date. Petinsurance. If in doubt, contact the appropriate retailers to get the correct figures, or get an. We are here to serve our members the best way we can so plan your next holiday with our top travel tips, inspirational destinations and deals. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). 227681 trading as NRMA Insurance • Underwritten by Insurance Australia Limited AFS Licence No. For example, if your room has a rectangular shape, you should write down only its width and depth in the calculator, and specify the units. We do not guarantee the accuracy or currency of the estimates. RACV Home Insurance offers you the choice and flexibility to tailor a level of home insurance cover that’s right for you. In partnership with NRMA Insurance. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). The options are: Classic Care, which costs $9. Farm Insurance from NRMA includes fire and defined events cover, personal home buildings and contents. Login without password. The total excess you need to pay may also be determined by the circumstances of your claim. For home policies read our Building Insurance and/or Contents Insurance Key Fact Sheets (KFS) which set out some of the events/risks covered and not covered by our home policies and other information you. a. Lenders. Theft & vandalism. g. Likes ; Followers ; Subscribers ; Followers ; Sign inYou may not save more with more eligible policies and by staying with IAL longer if a minimum premium is reached, or IAL have limited increases or decreases in your premium. NRMA Insurance is part of the Insurance Australia Group. The national average car insurance rate is $1,592 per year for "full coverage," according to NerdWallet’s 2021 rate analysis. Our claims assessors have been preparing for the things you can never prepare for. NRMA Insurance is part of the Insurance Australia Group. You could also try coupons from popular stores like EWOClothing, Himalayan Salt. Download documents. And as our lives change, so too do our needs – that’s why it’s important to regularly assess how much cover you need. I got a quote from NRMA with similar house details and the quote came up to almost $150/month. Cover for up to $2,000 of damage to plants, trees and shrubs. Tick off all the essentials for your next holiday from flights and insurance to car hire and accommodation. Best cheap homeowners insurance in Baton Rouge. When buying insurance, focus on what you need, and what is (and isn't) covered by different policies. Disclaimer - Hive Empire Pty Ltd (trading as finder. NRMA Insurance is part of the Insurance Australia Group. Reduce your risk. Get a quote. Home Loans. ^The Program is brought about by the support of Tasman Environmental Markets who are responsible for providing the calculation method used to calculate your vehicle’s estimated yearly driving. The estimate will be a guide only. It scored 4. Thanks opm881. 99 each month and comes with 50km of free towing in metropolitan areas and 100km in remote areas. Spoke last Friday and gave all details. Our verdict. Simply start by entering the details of your. Although our condo and townhome insurance policies include coverage for strata liability, deductible and property damage assessment, you might. Any advice provided is general advice only and does not take into consideration your objectives, financial situation or needs. If you have a recent and accurate estimate for the value of your home and contents, then it’s often a good idea to insure up to that particular sum to get your exact. V. Type in your address so we can display any data we have for your home. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Inter in NRMA Home Besides Contents Insurance? Find all the item details, real customer book, and view at Mozo!We’ve got a number of options to suit the level of home insurance you’re looking for. Find out more. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). The 2022 premium was $1766. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Web nrma. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. This policy offers underinsurance protection just in case you think you’ve valued your home incorrectly as well as a lifetime guarantee on authorised repairs. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). For home policies, please read our Home Key Facts Sheets (KFSs) which set out some of the events/risks covered and not covered by our home policies and other.