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How Sovereign Home goes above the call of duty in protecting your home and contents.

Ordinary policies list the events for which you are covered. Sovereign offers such wide reaching benefits, we thought it was prudent to draw up a shorter list ie. the list of things for which you are not covered. You can rest assured that Sovereign will protect you in any case of destruction, loss or accidental damage, unless listed as an exclusion.

- "New for Old" building and contents cover is standard with Sovereign Home Insurance. This new for old feature extends to the buildings correctly covered under our policy.

- Your treasured items such as antiques, persian carpets, paintings and other high value possessions are    insured for up to $25,000 each. That's up to 5 times the cover of lesser policies.

- Valuable items which are not listed are covered up to a massive $10,000 each, under Sovereign Home Insurance.

- All your possessions under the policy are covered anywhere in the world, so if you lose something overseas or on holiday you are protected. To put this in perspective, many policies will not cover your possessions outside your home, even in Australia let alone the entire world.

- Up to $5000 cover for cash and negotiable documents

- Your office and surgery equipment at home is covered by up to $20,000

- Reinstatement, reproduction or restoration of documents up to $10,000

In addition to this fantastic cover, Sovereign offers policy holders even more extras!

- Up to $5000 cover on accessories or spare parts not in or on vehicles, trailers or water craft.

- Goods used to earn income are covered by up to $5000 whilst at home

- Guest property (excluding money) covered to $5000

- Sailing boats under 4 metres and up to 10 H.P power boats under 4 metres covered up to $5000

- Sporting equipment while at a clubroom

- Legal costs and expenses up to $5000

- Veterinary expenses for pets after a road accident up to $500

- Replacement costs up to $10,000 for garden plants, trees, shrubs, and lawns if stolen, burnt, damaged by   a vehicle or malicious damage.