If you want more information on this policy contact us on 132 132 or visit your local branch or nrma. Compare third party property damage car insurance from Budget Direct, Youi, Bingle and more. 1. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). That’s why we like this home contents calculator. Insurance calculators. 1 minute. Get a quote. $500. V. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Shop around and stop being ripped off. Contents calculator. Call a licensed expert: How much does homeowners insurance cost? Home insurance calculator: Estimate your rates 2023 Answer a few questions to get a free. Both had NRMA home and content insurance which came to around $80/month as they were long time holders. That’s why we like this home contents calculator. Insurers ask for a ‘sum insured’ which is the highest amount that will be paid out if a house is damaged beyond repair. home buildings and home contents calculators at nrma. Remember, generally the higher the excess, the lower the car insurance premiums will be and vice versa. Towing map - Metro, country and remote areas | Direct debit terms and conditions. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). When you fill out a form to compare B. Insurers calculate costs according to various factors including the value and amount of contents you wish to insure, plus risk factors associated with yourself, your home, and the local area. com. NRMA New Car Loan. Registered Office, Level 23, 80 Ann Street, Brisbane Queensland 4000. *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. "So maybe a figure perhaps $15,000, $20,000 in a recovery flood insurance premium would be great, lower premiums, but you know, a flat fee, they know that they get a premium that works for them so. Of course, you need to review the info and adjust it if necessary. will house insurance cover my tv antenna. When making decisions about a product you should consider the Product Disclosure Statement and Policy Wording available from NRMA Insurance. 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. Another reasonably accurate, but expensive way to calculate the cost to rebuild is using the. Public liability is especially a concern for landlord insurance, since tenants hurting themselves on your property can make. Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. Enough is enough, 60% no claim bonus and 20% loyalty bonus is rubbish when NRMA is double other major insurers. Get a Quote Online and Save 30%. 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. The main building and its fixtures and its fittings will be covered. Get a quote Call 13 49 60. and a comparison rate of 7. For example, say your home is valued at $300,000. I understand their service is good but the premium price is quite high for me. Product Development and Distribution Policy (PDF 80. I guess there are rebuild cost calculators somewhere. For a house in suburban Adelaide, the cheapest offer was $345 a year. Use our building and contents calculators to get an estimate 1. Our Building Insurance covers the physical structures that make up your home building. Claim online. 16/12/2019 general insurance. Complete Care. Get a quote today. Basic has you covered for floods, fires, break-ins and more. 2023 and will apply to all policies under the NRMA Insurance Home NSW, ACT and TAS Insurance Product Disclosure Statement and Policy Booklet (PDS), (Prepared on. The total excess you need to pay may also be determined by the circumstances of your claim. 2,600 PTS. NRMA provides Membership, the “my nrma app” and other services. Forbes Advisor’s home insurance calculator is a fast and simple way to get an estimate of home insurance costs. Temporary accommodation. Existing Bronze members save 5%, Silver members save 7. By providing general information about your home the calculator will provide an estimated contents value and summary that you can. Organise your next trip. We also have heavy duty, AGM and EFB (enhanced flooded battery), deep cycle and marine batteries available for purchase. Plus, with 30 additional deals, you can save big on all of your favorite products. protecting what matters most. Report fraud. Issues in focus. We'll install your car battery replacement 24/7 wherever you need it. This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL. Travel is back and we are ready to connect with friends and family, unwind and relax and rediscover Australia. But only one age discount can be applied to a policy. The policies found to offer the best value overall based on premiums charged and the level of cover and features on offer receive a 5-Star Rating. 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. Discounts: Get one free month per year when paying premiums annually, 5% off when you hold other NRMA insurance policies, 30% off cover between $150,000 and $300,000, and 35% off cover above $300,000. accurate result to suit your household. NRMA. If you don’t have enough, you may not be able to rebuild your home the way. To pay or renew insurance policies: 131 144 Pay online. Home Contents Insurance Calculator Contents insurance calculator admiral. Eligibility criteria and T&Cs apply. One of the benefits of NRMA Home Plus Insurance are the added extras attached to the policy that give you a higher level of cover for your contents. On this page. It has been used 1,578 times. Protect the roof over your head and enjoy a lifetime guarantee on authorised repair work with NRMA Home Buildings Insurance in NSW, QLD, TAS, ACT, WA, SA and NT. Should the worst happen and you have undervalued your assets, you may. Our most recent deal was added on November 12, 2023. The house is a double storey house, single garage with a internal door from garage into house. A. NRMA Insurance is part of the Insurance Australia Group. Automatic cover for electric motor burnout or fusion in things like fridges and washing machines. Simply enter your estimate of the value for each of your items. NRMA Insurance is part of the Insurance Australia Group. It is imperative to ring your insurer and report the PV system and discuss it, but if your. That home insurance estimate is for a policy with $350,000 in dwelling coverage, $175,000 for. a (Comparison rate 7. Zubair April 18, 2017 Finder. 70%^ p. Up to $30 million for legal liability. Check whether the calculator includes the cost of demolition and architects’ fees. When making decisions about a product you should consider the Product Disclosure Statement and Policy Wording available from NRMA Insurance. Home and Contents Insurance distributed by Automobile Association of Northern Territory Inc ABN 13 431 478 529, an authorised representative of the issuer. 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. Welcome to our home contents calculator. Insurance issued by Insurance Australia Limited, ABN 11 000 016 722. 99% p. 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. It is wonderful to hear that you will be switching your car and house insurance to us, you can. 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. Your rates can vary by location, driving history and the car you drive. Finance Ltd will pay National Roads and Motorists’ Association Limited (ACN 000 010 506) a commission. 5. Get an estimate for the cost of replacing the contents of your home. Sum Insured Home Contents Calculator. Legal liability. Plus, you won’t ever need to worry if your contents are stolen by thieves, damaged or destroyed in a fire, flood or storm. For home policies read. 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 . Based on general information held about your home, and information you provide, the calculator will generate an estimate of your home contents replacement value. 1. 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. Cover for loss or damage to sheds, carports. au. Having a flexible excess is another feature you can expect with NRMA Home Insurance. We will send you your new PDS with your renewal. NRMA Insurance is part of the Insurance Australia Group. Insurance issued by Insurance Australia Limited, ABN 11 000 016 722, AFSL 227681, trading as CGU Insurance. 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. Powered by. Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Disclaimer: NRMA Car Loans products are provided by R. View all in Insurance calculators;. Single Item Insurance can cover nominated items against loss or damage caused by fire and theft in the home. However, you can ask us to increase this limit to a specific value, for an extra premium. AFS Licence No. 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. Termite baiting – approximately $2,500 to $3,500 per year: Ongoing termite baiting serviced every few weeks can be a cure, prevention and warning system all in one. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Use our building and contents calculators to get an estimate 1. If you like NRMA Insurance you might find our coupon codes for Resiner's, Long Tall Sally and Adventure Yogi useful. Compare our household insurance features, optional extras, and discounts below and find the policy that suits your needs. . The information in this PDS is current at the preparation date. From $9. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Makes the app your go to for making your. You’ll be pleasantly surprised at just how much cover you get! Compare our three covers. 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. spend $1,550 per policy to earn 50,000 points. request online. 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. We'll pay up to $20 million to cover costs due to an incident at your home under. How the house is built. Yes - standard excess. Insure too high, and you are overpaying on your. 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. and is a requirement under the Insurance Contracts Act 1984 1 of 2 This Key Facts Sheet sets out some of the events covered and not covered by this policy and other information you. 13 19 03. 8 out of 5 stars from 419 genuine reviews (page 2) on Australia's largest opinion site ProductReview. T&Cs apply, including a minimum premium of $750. This. 1 Min. Quickly calculate coverage limits for a homeowners insurance policy, including dwelling, personal property, and personal liability coverage. search faqs, manage your insurance online, find a policy number, branch or phone number, message us, get roadside assistance & more. You could earn up to 50,000 Qantas Points for joining by 5 December. How much home insurance costs depends on a lot of factors, including the size, age and location of the home. When making decisions about a product, always read the Product Disclosure Statement & Policy Booklet. Let us help you make sure the things that make your house a home are covered. Roadside assistance. NRMA Insurance is part of the Insurance Australia Group. a garage, a carport or in-ground pool; fixtures that are permanently attached to your rental property e. Cover for accidental damage caused by you, your tenant or a paying guest. * 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. NRMA Home Plus Insurance will give your home and its extras like pools, garages and sheds the best care around. Travel planning. Higher limits often translate to more expensive property insurance — the premium for $1 million in dwelling coverage, for instance, costs an average of $7,947 per year, $5,333 more than the cost of a policy with $250,000 in coverage. Get started by answering a few quick questions. Your contents in transit when. Date of experience: 20 November 2023. It is intended only as a Guide. Just call us on 0800 500 216, or get a quote online. NRMA Home Insurance: 39 questions on Australia's largest opinion site ProductReview. Information about these test cases is available on the Insurance Council of Australia’s website. . Easy to deal with, ready to help. Disclaimer - Hive Empire Pty Ltd (trading as finder. Up to $30 million for legal liability. Cover for your car in an accident, plus other cars and property if it’s your fault. 13 11 22. Cover your home inside and out with Home Buildings & Contents Insurance from NRMA Insurance in NSW, QLD, TAS, ACT, WA, SA and NT. When buying insurance, focus on what you need, and what is (and isn't) covered by different policies. A. 50 or less per day for their landlord insurance. Up to 12 months temporary accommodation after an insured event if your home is unfit to live in. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). The information in this PDS is current at the preparation date. 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. I just presumed naievely that if the house sells for 650 then that is the replacement cost but of course that is not the case. Events our Home and Contents Insurance covers. The NRMA provides Roadside Assistance as well as Car Batteries, Car Loans and member discounts on Car Insurance, Fuel, Accommodation. NRMA Insurance is part of the Insurance Australia Group. com. Building Insurance. Below are 3 easy to use calculators. Estimate homeowners insurance coverages and limits to best protect your home. NRMA Insurance is part of the Insurance Australia Group. Cyclone & storm (62) Disaster Ready Fund (3) ICA Annual Conference (4) Indigenous Australians (1) Lenders Mortgage Insurance (2) Resilience Investment (31) Vulnerability & hardship (9) The voice for a resilient Australia. 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. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Cover for loss or damage to sheds, carports. In 2022, we paid over 99% of RACQ Comprehensive Car Insurance claims. NRMA Insurance is part of the Insurance Australia Group. OR. Terms, conditions, exclusions and limits apply. Find your perfect trip with packages, savings on car hire and more. Finance Ltd (ABN 82 004 292 291) trading as NRMA Car Loans. By providing general information about your home the calculator will provide an estimated contents value and summary that you can further edit for a. When we calculate your home insurance. Increased benefits. # Buy an eligible home, contents or landlord insurance policy between 16/10/2023 and 8/12/2023 to receive a $150 eGift card after day 60 of your insurance policy being active. If you don't want us to increase your sum insured, just let us know. If you have GIO Classic Extras cover and your claim has been accepted, we will pay up to a further 25% of your home sum insured (that could be an. Trees, plants and shrubs replacement. Member offer. ^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. For example, if you have a newer house,. au. Our Building Insurance covers the physical structures that make up your home building. au policies entered into for the first time prior to 07/11/2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, are arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and are promoted and. 2. We do not guarantee the accuracy or currency of the estimates. V. This includes everything from the house itself, to your garage, fences, and paved driveways, as well as fixtures like hot water systems, air conditioners and more. com. ING is a business name of. The result is a homeowners insurance policy that costs $105 per month or $1,260 per year. au. 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. Compare personalized quotes from Canada's top. 1/5 for value for money and 4. My NRMA is our new membership program that will inspire members to explore new places across Australia,. 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. NRMA Insurance is part of the Insurance Australia Group. View your home insurance options by state below: ACT , NSW , Queensland , South Australia , Western Australia , Victoria , Tasmania. 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). Shame on you NRMA for expecting my family to live in an unhealthy house due to mould which developed from storm damage. National Roads and Motorists’ Association Limited ABN 77 000 010 506 (NRMA), is an authorised representative of IAL. How the house is built. You can then multiply that answer by 12 to get the average annual cost of a homeowners insurance policy. Code of Practice. You can then multiply that answer by 12 to get the average annual cost of a homeowners insurance policy. 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. The estimate includes the cost to demolish and remove any remaining structures. Having multiple policies with NRMA helps with saving lots of money on my insurance needs. Cover is subject to your application for insurance being accepted. The 2022 premium was $1766. Canstar researches and rates more than 100 home and contents, home-only and contents-only insurance policies from dozens of different providers. For example, say your home is valued at $300,000. NRMA trademark used under licence from IAG, owner of the trademark for financial services. Make a claim, 24/7. It’s hard to estimate what your contents are worth. 8 out of 5 stars from 420 genuine reviews on Australia's largest opinion site ProductReview. Best comprehensive policy: Honey home insurance. Home and contents insurance can cover your property & belongings for things like fire, storm damage, theft & more. It only takes three minutes, but the more detail you provide, the more accurate your quote will be. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). NRMA Home Insurance (Home and Contents Insurance): 1. AU IAG Partner CN Home Content Calculator -- Step 1 of 3. a. Building Insurance. Home contents insurance costs in Switzerland. From fire and smoke to earthquakes and tsunamis, our Home and Contents Insurance covers the cost of rebuilding or replacing your home and/or contents for a range of insured events. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). And, today's best The NRMA coupon will save you 30% off your purchase! We are offering 30 amazing coupon codes right now. 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. Customer service received was very professional and helpful with all my needs. You could also try coupons from popular stores like EWOClothing, Himalayan Salt. Reply. For homeowners. What’s included. Protect your home and contents with a lifetime guarantee on authorised repair work with NRMA Home Insurance. Get an online quote today. Top pick for price: Youi home insurance. 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. Any advice provided is general advice only and does not take into consideration your objectives, financial situation or needs. au. This calculator combines Sum Insured’s home contents. With Home Plus you get: An extra 25% on top of your insured amount to repair or replace your items (if you need it) Automatic cover for accidental damage to your things. NRMA Insurance is part of the Insurance Australia Group. It said the surge was the result of a perfect storm of factors. All this, along with improved and simpler navigation. Contents Calculator. An excess is the amount you pay towards the cost of your claim for each incident covered by your policy. These calculators' estimates may be different than estimates you get during your quote. Traveller Care. Your rates can vary by location, driving history and the car you drive. Choose the home and contents insurance cover that suits you best. On the negative side, they're slow with enquiries and it's hard to speak to a human when you need help. We're here to help. Plus, if you’ve managed to keep a good claims history. If overseas, call +64 9 353 5848 (international toll charges apply). Personal Insurance 8:30am to 5:00pm AEDST, Monday to Friday. Cover for 11 insured events, including fire, 5. NRMA Insurance is part of the Insurance Australia Group. Cover your home. As expert in home and contents insurance at Compare the Market, Stephen Zeller works to make the protection of a homeowner’s most significant financial assets, an easier and more efficient process. Most insurance policies pay a policyholder (or carry out the works) up to a set financial limit. Flexible insurance for Short-Stay Hosts and Rideshare Drivers. Any advice provided is general advice only and does not take into consideration your objectives, financial situation or needs. Honey Insurance is our 2023 winner for comprehensive cover in home insurance. au . AU CommBank CIRCA v2 Home Content Calculator . 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. 30%. AAI LIMITED TRADING AS GIO. 99%** p. Manage my insurance. g. Weekdays, 8am to 6pm. The national average cost of home insurance is $1,820 a year, according to NerdWallet’s most recent rate analysis. It comes with automatic flood cover, up to $20,000 towards your home office contents and you also get smart sensors. Accidents. 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. Using the MoneyGeek. 1. A $650k property is not a $650k house. These calculators' estimates may be different than estimates you get during your quote. Call us on 1300 726 751 today for assistance. Depending on your claims and insurance history, you could get a No Claim Bonus of between 0% and 20% 1. But the amount you pay could be more or less, depending on many factors. For example you may have a work of art which is valued at $10,000, and the cover limit is $2000 per item or $5000 in total. Our Home Contents Insurance on the other hand, helps cover the cost of loss or damage to your. 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. Interest rate from: 6. Protect the roof over your head and enjoy a lifetime guarantee on authorised repair work with NRMA Home Buildings Insurance in NSW, QLD, TAS, ACT, WA, SA and NT. After the first 12 months, price is $60 annually or $5 per month over 12 months. It pays to shop around, because prices vary a lot from insurer to insurer. Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. Home insurance is provided by general insurance companies. 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. 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. Calculate the current value. Muzeeb on 22/11/2020 - 20:23. Most home insurance policies cover public liability to some extent at least, usually with limits up to $20 million. Its a pity NRMA insurance haven't been as helpful with sorting out the water leak in our laundry that is now growing lovely black mould! 6y. National Roads and Motorists’ Association Limited ABN 77 000 010 506 (NRMA), trading as NRMA, is an authorised representative of IAL. Last year the house and contents was 2,500 dollars a year. Home Loans. Finance Ltd (ABN 82 004 292 291) trading as NRMA Car Loans, R. Divide 300,000 by 1,000, then multiply that number by 3. QBE Home Insurance can insure just your building, it includes things like: Cover for damage or loss caused by storm, fire, theft, vandalism, flood and more. When you take out a Contents Insurance policy with AAMI, you’ll select an excess between $200 and $5,000. Tick off all the essentials for your next holiday from flights and insurance to car hire and accommodation. Home and contents insurance covers the cost of repairing or replacing your house and your belongings when something goes wrong. Get a quote. 75! While the customer service representative was kind and. Fact-checked. Save up to 10% when you get travel insurance online 4. Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. com. Registered Office, Level 23, 80 Ann Street, Brisbane QLD 4000. This is not a quote, credit approval or offer of credit. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. For home insurance, this could cover incidents like guests tripping and hurting themselves on the stairs. NRMA Insurance is part of the Insurance Australia Group. Some insurance companies, such as QBE, customise the calculator by changing questions slightly. 13 21 32. Help, like no one else. 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. Up to 12 months temporary accommodation after an insured event if your home is unfit to live in. Up to 12 months temporary accommodation after an insured event if your home is unfit to live in. Alternatively, call 13 2423 8am–8pm, Mon-Fri, 8am-5pm, Sat (Sydney/Melbourne time) or visit your local branch. Disclaimer: NRMA Car Loans products are provided by R. +. Estimating the rebuild cost of your home is essential for house insurance policies. QBE Home Insurance can insure just your building, it includes things like: Cover for damage or loss caused by storm, fire, theft, vandalism, flood and more.