Accidental Damage Policy
Protecting your home and your belongings should be straightforward and stress-free. With 30 years experience, we understand that Australian homeowners in land lease communities require a unique type of protection. Because of that we take a human-centred approach, ensuring you get the support you need from a team that knows your lifestyle inside and out.
Your home is unique, so we designed insurance to suit it.
We include the specialised protection you need, and leave out the costly bits you don't.
At MHIA Insurance, we focus on what matters most to you, providing clear policies without the confusing jargon or unnecessary inclusions found elsewhere.
Stress less, we've got you covered.
Additional protection, add these to your policy.
The few things we cannot cover.
Loss or damage caused unintentionally to your home and general contents.
If the appliance is not repairable we will pay the cost to replace the item less 10% per year for wear, tear and depreciation.
Loss or damage caused by explosion or by fire, including bushfire.
Loss or damage caused by theft or attempted theft.
Loss or damage to your home, from falling trees or branches, as well as impact to your home by a motor vehicle.
When you choose us, you are choosing a partner with three decades of experience in local community insurance services. Here is why our members trust us:
We focus exclusively on land lease communities in NSW and across the country, so we understand the specific legal and structural details of your home.
When you call, you speak to a real person. We have no IVR prompts, and our team typically answers within minutes to provide immediate assistance.
We have built our business on word of mouth and consistency. We treat you like a human being, not just a policy number.
Our proactive claims management team works to resolve your issues within days, providing peace of mind when you need it most.
Finding the right home and contents insurance in Australia is simple when you work with specialists who care:
Contact our friendly experts to discuss your needs and receive a transparent estimate.
We will help you understand your inclusions and ensure the policy is tailored to your specific home and contents.
Finalise your cover and enjoy the confidence that comes with 30 years of home and content specialist industry experience.
Our team is ready to provide the protection you deserve with the respect and speed you expect.
If your home is in a home park and you permanently live in your home, your will be fully covered.
Your policy covers you for rain water run-off. Unless a flood also occurs within the same 48-hour period and it exceeds the height of the rainwater run-off level.
We will cover the cost of repairing or replacing the water apparatus only if the cause of the leak is a listed covered event. If the apparatus bursts or leaks on its own and the claim is approved, we will cover the cost of repairing the damage caused by the leak, but you will need to fix the leak itself at your own expense.
Yes, our contents insurance covers theft if you forget to lock your doors or windows.
No, our policy is designed to cover home owners only. We will not cover your home for accidental damage if your home is tenanted.
No, We utilise experienced, qualified builders that are part of our supplier network. They offer a lifetime guarantee on home repairs, which ensures the quality and workmanship of the repairs we authorise to your home for the lifetime of your home. If you request a cash settlement of the quoted amount to manage the repairs yourself and we agree, the lifetime guarantee will not apply.
No, we will not cover loss or damage caused by theft or damage by tenants or boarders or anyone with whom you live, or anyone who enters your home with your consent.
Yes. Accidental damage of any part of the home building, or contents within the home is covered. There is no cover for accidental breakage whilst the home is tenanted
We cover mechanical and electrical breakdown for appliances including: air-conditioning units, hot water services, refrigerators, freezers, dishwashers, washing machines, and dryers. If the appliance is not repairable, we will pay the cost to replace the item, less 10% per year for wear, tear, and depreciation. Your basic excess will apply. Please read the PDS for full inclusions and exclusions.
Your carpets & other unfixed floor coverings are covered under your contents sum insured. Please ensure the amount you insure your contents items for includes your personal belongings, as well as fixtures and fittings.
No. We can only accept monthly instalments paid by direct debit from your bank account.
You deserve an insurer that celebrates your choice of community living and understands exactly how your home works. By choosing a home and content specialist, you gain the confidence that comes with tailored premiums and a team that values your time and attention.
At MHIA Insurance, we specialise exclusively in land lease living, treating you as a valued member of the community rather than just a policy number. Get a quote today and enjoy the peace of mind that comes with expert protection.
Ready to get protected? Find out how much you could save by switching to MHIA Insurance.
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Brendan Richards
December 2022
MHIA insurance is so much cheaper than all other insurance companies for retirement villages. I saved over $30 per month!! Good to see they are so assuring about cyber security, obviously on top of their game.
Judy Cole
February 2023
From my initial email enquiry to insure my onsite caravan/annexe MHIA's response was very prompt. The quotation process was easy, staff very helpful and knowledgeable. I have no hesitation in recommending MHIA Insurance.
Susan Ridgway
January 2023
We are heading into our 3rd year with MHIA and their customer service in regard to renewal etc. is top notch. Everything is easy to follow making it a straight forward renewal.
Joanne Ferguson
May 2022
A recent accident in our home damaged my husbands computer, the local computer repair place said it couldn't be fixed so we thought we would claim it on our MHIA insurance policy. The staff at MHIA were so helpful, we claimed online, sent photos of the damage and the report from the repair place and within a couple of days our claim was approved and the money in our bank to buy a new computer. Such great service and the monthly premiums are so much cheaper than many other insurance companies.
Colin Lindsay
October 2022
Thanks for the warning about increased inclement weather due to La Nina. The check list was very handy and we are pleased to say it seems we have kept one step ahead of your suggestions as everything has been done.
Brian Richmond
April 2022
Our experience with MHIA was amazing. From the moment they answered my first phone call we knew we were in capable, caring hands. Everyone we dealt with at MHIA during the five and half months ordeal of having Greg's house repaired after the fire were excellent, thank you MHIA.
Lynette Gullifer
January 2022
I have been dealing with the team at MHIA insurance for a claim and have found the whole process to be very easy and friendly. From claim to settlement less than a week which is great. I can now have my solar back. Once again thank you MHIA.
Pat Kenney
March 2022
I rang MHIA and spoke to a delightful young lady and explained that I had a claim, explained exactly the reason and she went and spoke to claims manager, she apologised for the wait and then advised me what I needed to do. I sent the necessary paper work off (emailed) and within three days claim was approved. Unbelievable and caring service. Would certainly recommend them
Paul Spiteri
March 2022
Called for a quote for home and contents insurance for our new Lifestyle Communities home. They answered all our questions and followed up promptly with a very competitive quote by email which we later accepted. Called them back and arranged monthly payment over the phone for no extra cost. Highly recommend MHIA for their service. Thank you.
Pauline O'Loughlin
May 2022
From the time I made the claim to the final closure ALL the staff I dealt with were polite and professional making this whole process as simple as possible.