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Guild Home Elite is contents insurance for renters in Australia, not a home warranty. Its July 2024 policy document describes cover for accidental loss or damage to contents at home, subject to exclusions, limits and the policy schedule. Whether it suits you depends on the belongings you need to insure, the options on your schedule and the premium and excess in your individual quote.
What Guild Home Elite covers for renters
Guild describes Home Elite as comprehensive insurance. For renters, the relevant cover is for contents: the belongings you own, rather than the building itself. CHOICE also characterises the renters policy as sum-insured cover that includes accidental damage. The policy wording and your schedule determine the actual protection.
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Contents at home
The July 2024 Guild Home Elite Insurance PDS and Policy says contents are insured for accidental loss or damage while they are in the home, except where an exclusion applies. A claim may be settled by repair, replacement, or payment of a reasonable repair or replacement cost, subject to the policy terms.
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Flood
Flood cover applies only if it is shown as included on your policy schedule. Check the schedule rather than assuming it is part of your cover.
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Belongings away from home
The PDS provides cover for unspecified personal property against accidental loss or damage in Australia and for up to 90 consecutive days elsewhere. The limits are $2,500 per item, pair or set and $15,000 in total, unless belongings are insured as specified personal property. These are caps, not guarantees that every item or cause of loss is covered; flood remains subject to the schedule.
If one valuable item is worth more than the per-item limit, check whether it needs to be listed as specified personal property. Confirm the applicable terms and limits in the PDS and schedule.
Legal liability
The PDS sets a maximum of $20 million for covered legal liability. CHOICE’s renters summary says this includes liability relating to damage to a landlord’s fixtures, fittings and contents. This is conditional cover, not universal protection for every kind of damage or landlord dispute; policy exclusions and conditions apply.
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Home Elite does not cover every accident, repair or loss. The PDS lists exclusions including wear and tear, depreciation, lack of maintenance, inherent defects, structural defects and faulty workmanship. It also includes other exclusions and conditions, including a condition for homes unoccupied for 60 or more continuous days. Read the current PDS and your schedule for the full terms.
The policy documents available for this review are Guild’s July 2024 PDS and November 2023 Target Market Determination. Check Guild’s disclosure documents for the current PDS before buying or relying on cover, as policy wording can change.
How much does Guild Home Elite cost?
There is no single general premium established by the public information. CHOICE provides regional relative price bands for the renters policy, not a nationwide dollar price or an individual quote. Your premium and excess need to be confirmed for your circumstances; Guild’s disclosure page directs customers to this information.
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Get a quote and compare it with other policies using the same details. A useful comparison includes:
- Contents sum insured and how claims are settled
- Whether accidental damage and flood are included
- Cover for belongings away from home, including item and total limits
- Legal liability and any temporary accommodation cover
- Excess, exclusions and eligibility
- The premium quoted for your location and circumstances
What the public review evidence can—and cannot—tell you
CHOICE’s public review identifies the product as Guild Home Elite (renters), provided by Guild Insurance Limited, and describes it as sum-insured cover with accidental damage. Its expert rating and some scores, including cover, price and customer satisfaction, are member-only. The public page therefore does not establish a public overall score or show that the policy is the best choice for every renter.
The practical verdict is conditional: the policy has features renters may value, including accidental damage cover and stated portable-property and liability limits, but the schedule, exclusions, quote and excess determine whether its protection and price fit your needs.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
