12EMeaning of add‑on home and contents insurance product

#### 12E Meaning of add‑on home and contents insurance product (1) Subject to subregulation (3), an add‑on home and contents insurance product is an add‑on insurance product that provides insurance cover (whether or not the cover is restricted) in respect of the destruction of, or damage to: (a) a building used, or intended to be used, principally and primarily as a place of residence (other than a building of a kind specified in subregulation (2)); and (b) any of the following things on the site specified in the add‑on insurance product as the site on which the building is situated (the relevant site): (i) out‑buildings, fixtures or structural improvements used for purposes related to the use of the building; (ii) fixed wall coverings, fixed ceiling coverings or fixed floor coverings (other than carpets); (iii) services (whether underground or not) that are the property of a person insured under the add‑on insurance product or that, under the add‑on insurance product, the insured person is liable to repair or replace or pay the cost of repairing or replacing; (iv) fences and gates wholly or partly on the relevant site; and (c) the designated contents of the building and any out‑building covered by subparagraph (b)(i). (2) The following kinds of building are specified for the purposes of paragraph (1)(a): (a) a hotel; (b) a motel; (c) a boarding house; (d) a building that: (i) is in the course of construction; and (ii) is being constructed by a person insured, or to be insured, under the add‑on insurance product in the course of a construction business; (e) a temporary building or structure or a demountable or moveable structure. (3) An add‑on insurance product is not an add‑on home and contents insurance product if the product is entered into, or proposed to be entered into, for the purposes of a law (including a law of a State or Territory) that relates to building or construction work.