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.

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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
Optional
Optional
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
Optional
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
Optional
Optional
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
Optional
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)
Optional
The only direct Australian home insurance provider to offer full building replacement cover as a standard feature.
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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

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