Foundation repair – how home insurance will help

Foundation repair is costly – but if you're covered for the event that caused the damage, your home insurance should kick in.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

1 - 6 of 17
Name Product Is there cover for foundation repair? Temporary Accommodation Sum Insured Safeguard Accidental Damage to Home or Belongings Fire, Storm & Theft Damage
Budget Direct Home & Contents Insurance
10% of sum insured - up to 12 months
Save 30% on your first year's premium when you purchase a new combined Home & Contents insurance policy online. T&Cs apply.
Youi Building and Contents Insurance
For a maximum of 12 months
Get a 20% discount on your contents insurance if you have a car insurance policy with Youi. Excludes NSW & SA CTP green slips. T&Cs apply.
Qantas Home and Contents Insurance
10% of sum insured - up to 12 months
Earn up to 20,000 Qantas Points when you apply. Points awarded will be based on your premium. T&Cs & exclusions apply.
Honey Home & Contents Insurance
10% of home sum insured
Seniors Top Home & Contents Insurance
The lesser of: 12 months rent; or 10% of your building sum insured
Buy online and save up to 30% on a new home and contents insurance policy. T&Cs apply.
ANZ Home & Contents Insurance
For a maximum of 12 months (24 months for catastrophic events)
The only direct Australian home insurance provider to offer full building replacement cover as a standard feature.

Compare up to 4 providers

When does home insurance cover foundation repair?

Foundation damage doesn't just happen by itself – something causes it. If your home insurance covers whatever caused the foundation damage, then it'll pay out for the foundation repairs too. Your product disclosure statement (PDS) will tell you everything your policy covers. Common inclusions are:

  • Fire
  • Impact (for example, a vehicle, or falling tree)
  • Theft
  • Vandalism or malicious damage
  • Earthquake or tsunami
  • Lightning
  • Storms and rainwater
  • Explosion
  • Escape of liquid
  • Floods (flood cover is often an add-on you'll need to pay extra for)

When won't home insurance cover foundation repair?

If your home insurance doesn't cover the event which caused the foundation damage, then it won't pay out for the repairs. What's covered by your policy will vary between different insurers – but some common exclusions are:

  • Normal wear and tear
  • Damage to your carelessness or neglect
  • Termite damage
  • Damage caused by your illegal behaviour
  • Pre-existing damage
  • Damage from natural events that you opted not to include
  • Faulty construction
  • Storm surges
  • Tree-root damage
  • Shifting soil

FAQs about foundation repair

More guides on Finder

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
    Go to site