We all have our valued possessions, along with many more we take for granted. While some are irreplaceable, there are a surprising number we would need to replace, should the worst happen. From kitchen appliances to the kitchen sink and house itself, it all adds up.

What if a major catastrophe – like fire, lightning, storm or flood damage or falling trees – hit your home? How would you afford to replace the clothes, furniture, books and other items lost in a fire? What would be the real cost of rebuilding or repairing your home to the quality and size it is now?

Less dramatic incidents take their toll as well. It’s amazing how much damage children can unwittingly do with balls, paint and other “playthings”. And what of those essentials of daily life we take out and about – music players, mobile phones, digital cameras and sunglasses? Small, portable, easy to lose, and appealing to thieves. Costly to replace and frustrating to do without.

Home Cover Prestige is South West Credit’s building, contents and valuables insurance solution that can protect any or all of these scenarios. Home Cover Prestige provides peace of mind that, if, through specific events, your property is damaged, destroyed, lost, or stolen, it can be repaired or replaced. And it will usually be on a “new-for-old” basis, regardless of the item’s age. It also protects you against malicious damage and accidental loss or damage to home and contents at the insured address. Plus it provides extended cover for your contents when temporarily removed anywhere in Australia and New Zealand, or for up to 90 days when overseas.

^*Should you be unable to live in the home as a result of damage caused by a defined event.

A range of ways to save

With South West Credit there are various ways to enjoy discounts on your premium.

Once you have one MemberCare insurance policy with us, we’ll give you a discount on each additional MemberCare policy ^#

Your excess is the initial amount you have to pay yourself if you make a claim, and we offer options of nil excess, $100, $250, $300, $400, $500, $750, $1,000, $2,500, $5,000, $7,500 and $10,000. The higher the excess you choose, the lower the premium you’ll pay.

The convenience of having Home Insurance under the same roof as your financial services isn’t the only way we make life easier. From making your application to making a claim, South West Credit ensures things are as straightforward as possible.

You can apply online, by phone, or at our branch. Flexible payment options include fortnightly, monthly or annual direct debit or credit card payments (excluding Diners Club).

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• https://intermediary.qbe.com.au/content/idcplg?IdcService=GET_FILE&dDocName=PRODCT048113&RevisionSelectionMethod=Latest&Rendition=primary
• Target Market Determination
• Whats Changed (updates to the Product Disclosure Statement)
• Key Facts About This Home Building Policy