It's good if you want a more personalised home insurance policy. Everyday Home Insurance offers standard and comprehensive levels of cover, so you can choose what suits your budget.
Everyday Insurance customers can receive 10% off their groceries once a month.
One of the only insurers to cover accidental damage automatically.
Cons
If personalising your cover, you really have to take care to choose the right amount of cover so you don't leave yourself underinsured.
We don't currently have this brand on our panel. Everyday Home Insurance is in the process of updating its insurance products. But don't fret! You can compare a bunch of other insurance companies with Finder.
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Well done, Everyday Home Insurance
Everyday Home Insurance has placed as a finalist for the Finder Customer Satisfaction Awards in 2023. This is across the national category, Queensland and South Australia.
Everyday Home Insurance offers 3 types of home insurance: building insurance, contents insurance, and a building and contents insurance policy. After choosing your policy type, you can also select your level of cover from either standard or comprehensive. This is handy if flexibility is important to you and it's a feature that's not very common in Australian home insurance.
On top of that, Everyday Insurance also offers cover for landlords as well.
These policies are designed to cover events that can cause damage to your home. Here are some examples:
Everyday Home Insurance (AR No. 245476) is backed by The Hollard Insurance Company Pty Ltd. – a popular insurance underwriter in Australia. Everyday Home Insurance offers a few different levels of excesses so that you can choose an amount that you're happy with. On top of that, it has a 14-day cooling off period which is a little bit under industry standards.
If an insured event happens and damages your home, here are some standard features that you can claim on with a Everyday Home Insurance policy (it may vary based on what type of policy you choose):
Removal of trees and debris
Accidental damage
Professional and rebuilding fees
Emergency accommodation
Contents in your home office
Emergency storage of contents
Replacement of locks
Food spoilage
Document replacement
Optional add-ons
Here are the optional benefits that you can choose to tailor your policy. Just keep in mind that it will likely increase the cost of your policy.
Electrical motor burnout
Portable valuables
Exclusions
These are some things a Everyday Home Insurance policy will not cover you for. Check out the Everyday Home Insurance Product Disclosure Statement (PDS) for a full list of the exclusions.
Bushfires, storm, rainwater or flood damage that happens within 72 hours of buying your policy
Damage to a home that has been unoccupied for more than 60 consecutive days
General wear and tear
Damage from vermin, insects, birds and wildlife
Earth movements like erosion, landslides and mudslides
Mould
Deliberate damage by you or other people invited to your home
Tree roots
Make sure you read Everyday Home Insurance PDS for a more detailed breakdown of exclusions. You can also head to general exclusions for more information.
The bottom line about Everyday Home Insurance
Everyday Home Insurance is good if flexibility and customisation is important to you. Not only does it offer standard and comprehensive policies, but you can also choose the level of excess you feel comfortable with.
You pay the same as buying directly from the home insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
Frequently asked questions
Claims can be lodged on the phone or online through Everyday' My Insurance Portal. If it's the first time you've made a claim, you'll have to register and then log in.
Before you start, make sure to have the following prepared:
Your personal details and policy number (if you don't have a paper copy, try find it in your emails)
Details about what happened
Evidence of the event, like photos, invoices, police reports, quotes, etc.
If making your claim over the phone, you can call the claims team on 1300 10 1234.
Yes. Everyday Insurance offers discounts for buying your home insurance policy online and further discounts if you buy a combined policy.
On top of that, if you're an Everyday Rewards member, you can also get 10% off your grocery shop at Woolies once a month.
The underwriter for Everyday Home Insurance is The Hollard Insurance Company Pty Ltd AFSL 241436.
A Everyday Home or Contents Insurance policy is suitable for someone who owns and occupies a home (excluding properties owned under a strata title, community or company title) that:
isn't under construction or being majorly renovated or altered
is kept in good condition and is properly protected from loss or damage
complies with relevant statutory and local government requirements
is used primarily by you for residential purposes and is unlikely to be unoccupied for more than 60 consecutive days
If you live in a property that’s under a strata title, community or company title, you may only be eligible for a contents insurance policy.
Policies are also only suitable if you have estimated the cost of replacement of the building, fixtures and structural improvements. You must also be comfortable that the policy satisfies your need for affordable cover and is likely to help reduce your net financial loss in the event of a claim. Additionally, you can check out the Target Market Determination (TMD) document on the insurer’s website.
Comprehensive policies are suitable to people who want higher limits, additional benefits and accidental damage cover.
Legal liability can cover you if your negligence around the home caused injury or death to someone, or damage/loss to their property.
Everyday Home Insurance offer a benefit amount of $20 million, which is the total amount from all policies you may hold under Everyday Insurance (including separate contents insurance policies). If you need more details, contact the insurer directly since exceptions can apply.
Leave a Everyday Home Insurance review
If you've held, or currently hold, a Everyday Home Insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Everyday Home Insurance is right for them. Some reviews are from a survey commissioned by Finder.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
Our home insurance page is an ideal page to visit to see your options. We covered the most critical topics to help out our users. For trouble-free navigation, we’ve gathered the things our users often check on our drop-down menu on the right side of our website. Simply select what you want to do on the list to be automatically taken to the part of the page where the topic is covered. For instance, if you chose Compare policies side-by-side, you’ll be rerouted to our comparison table to see the covers available.
Please note that our table will let you compare policy features side by side, but it can’t give you a price just yet. That’s because the cost depends on specific details of your home – such as value and location. Instead, consider which features are most important to you. You can click on ‘More info’ to be rerouted to our review page to check the type of policies the provider offers, exclusions and cost. You can get a fuller breakdown (i.e. policy’s temporary accommodation, tools of the trade, guests content, and more) by clicking ‘View details’. Select ‘Get a quote’ to request an estimate.
Before applying, please ensure that you review the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Unfortunately, we do not currently have any information relating to Woolworths and its claims process. How smoothly a claim will run will vary from person to person. To find out more about home insurance claims, please head over to our home insurance claims guide.
Thanks for getting in touch. Finder is a comparison service and not an insurer. If you would like to get in contact with Woolworths, you can do so by heading to their contact us page.
Does Woolworths offer House only Replacement cost insurance? Does Woolworths give an actual cash value settlement in the event of the policy holder choosing not to rebuild. Who underwrite Woolworths home insurance policies?
Thanks for your question. Woolworths do offer building only cover. According to the product disclosure statement:
“If you decide not to proceed with the rebuild or repair of your building we will pay the lesser of:
•The rebuild or repair cost
•The difference in the value of your building and the land it is situated on before the damage occurred and the value of the building and land after the damage has been sustained
Woolworths Home Insurance policies are underwritten by The Hollard Insurance Company Pty Ltd.
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want house hold insurance
Hi Belinda,
We’ve read your message, Thanks!
Our home insurance page is an ideal page to visit to see your options. We covered the most critical topics to help out our users. For trouble-free navigation, we’ve gathered the things our users often check on our drop-down menu on the right side of our website. Simply select what you want to do on the list to be automatically taken to the part of the page where the topic is covered. For instance, if you chose Compare policies side-by-side, you’ll be rerouted to our comparison table to see the covers available.
Please note that our table will let you compare policy features side by side, but it can’t give you a price just yet. That’s because the cost depends on specific details of your home – such as value and location. Instead, consider which features are most important to you. You can click on ‘More info’ to be rerouted to our review page to check the type of policies the provider offers, exclusions and cost. You can get a fuller breakdown (i.e. policy’s temporary accommodation, tools of the trade, guests content, and more) by clicking ‘View details’. Select ‘Get a quote’ to request an estimate.
Before applying, please ensure that you review the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Hope this was helpful.
Cheers,
Nikki
How good is Woolworths insurance regards claims and communications
Hi Roy,
Thanks for getting in touch.
Unfortunately, we do not currently have any information relating to Woolworths and its claims process. How smoothly a claim will run will vary from person to person. To find out more about home insurance claims, please head over to our home insurance claims guide.
All the best,
Richard
I have a policy with you but cannot find it. Please email me privately so I may speak with you further. Thanks you
Hi Colleen,
Thanks for getting in touch. Finder is a comparison service and not an insurer. If you would like to get in contact with Woolworths, you can do so by heading to their contact us page.
All the best,
Richard
Does Woolworths offer House only Replacement cost insurance? Does Woolworths give an actual cash value settlement in the event of the policy holder choosing not to rebuild. Who underwrite Woolworths home insurance policies?
Hi Fleur,
Thanks for your question. Woolworths do offer building only cover. According to the product disclosure statement:
“If you decide not to proceed with the rebuild or repair of your building we will pay the lesser of:
•The rebuild or repair cost
•The difference in the value of your building and the land it is situated on before the damage occurred and the value of the building and land after the damage has been sustained
Woolworths Home Insurance policies are underwritten by The Hollard Insurance Company Pty Ltd.
I hope this was helpful,
Richard
How long has Woolworths Home contents insurance existed?
Hi Kay,
Thanks for your question. Woolworths have been offering insurance products in Australia since 2011.
I hope this was helpful,
Richard