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Australia Post Home Insurance Review

After insurance cover for your home and contents? Consider a policy from Australia Post.

In addition to it's mail service, the Australia Post brand also offers insurance products including car, travel and home and contents cover. Read on to understand if home and contents insurance from Australia post is suitable for you.

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Compare Australia Post Home Insurance options below

Rates last updated December 11th, 2016
Details Features
Gold Home and Contents
Gold Home and Contents
Save 35% on cover when you purchase a Gold Home and Contents policy online.
  • Cover for surrounding garages, verandahs and fences on your property
  • Cover for your contents
  • Cover against theft, storm and rainwater, fire and more
  • Temporary accomodation
Go to site More info
Gold Home Insurance
Gold Home Insurance
Save 20% on cover when you purchase a Gold Home Insurance policy online.
  • Cover for surrounding garages, verandahs and fences on your property
  • Cover against theft, storm and rainwater, fire and more
  • Rental income cover for investment properties
  • Temporary accomodation
Go to site More info
Gold Contents
Gold Contents
Save 20% on cover when you purchase a Gold Contents Insurance policy online.
  • Cover for your contents
  • Cover against theft, storm and rainwater, fire and more
  • Accidental breakage cover
  • Cover for uninsured guest contents up to $500
Go to site More info

Australia Post offers three home insurance cover options to customers: Gold Home and Contents Insurance, Gold Home Insurance, and Gold Contents Insurance. Each of these policies is underwritten by Auto & General Insurance Company and provides protection for your home and possessions against a wide range of risks.What options are available from Australia Post Home Insurance?

Australia Post Gold Home

Australia Post Gold Home Insurance provides cover for your residential building, domestic fixtures and permanent structural improvements.

Australia Post Gold Contents

Australia Post Gold Contents Insurance covers household goods and personal effects that you own or are legally responsible for and that are in your home.

Australia Post Gold Home and Contents Insurance

Australia Post Gold Home and Contents Insurance combines the cover of the above two policies into one comprehensive package.

How do the policy options compare?

 CoverGold HomeGold ContentsGold  Home and Contents
Fire
  • Yes
  • Yes
  • Yes
Storm
  • Yes
  • Yes
  • Yes
Earthquake
  • Yes
  • Yes
  • Yes
Theft and attempted theft
  • Yes
  • Yes
  • Yes
Malicious damage and vandalism
  • Yes
  • Yes
  • Yes
Accidental breakage
  • Yes
  • Yes
  • Yes
Lightning
  • Yes
  • Yes
  • Yes
Escape of liquid
  • Yes
  • Yes
  • Yes
$20 million of legal liability cover
  • Yes
  • Yes
  • Yes
Debris removal and rebuilding costs
  • Yes
  • Yes
  • Yes
Temporary accommodation costs
  • Yes
  • Yes
  • Yes
Mortgage discharge costs
  • Yes
  • No
  • Yes
Contents while moving house
  • No
  • Yes
  • Yes
Open air contents
  • No
  • Yes
  • Yes
Replacement of locks
  • No
  • Yes
  • Yes
Up to $7,000 funeral cover are also included
  • Yes
  • Yes
  • Yes
Contents of uninsured guests
  • No
  • Yes
  • Yes

What benefits does Australia Post Home and Contents Insurance include?

Australia Post’s Home and Contents Insurance policies provide cover for the following risks:

  • Loss or damage. Australia Post’s suite of policies for loss or damage caused by the following risks:
  • Fire
  • Explosion
  • Theft or attempted theft
  • Malicious damage, vandalism, riot or civil commotion
  • Accidental breakage of glass, ceramic and sanitary fixtures
  • Storm and rainwater
  • Lightning
  • Earthquake
  • Sudden and unexpected escape of liquid. This can be from baths, sinks, toilets, heating or cooling systems, gutters and drainpipes, pipes and taps, washing machines, dishwashers etc.
  • Impacts to your home. Impact caused by motor vehicle, aircraft, watercraft, space debris, falling trees, aerials, animals etc.
  • Removal of debris and rebuilding costs. When your home or contents are damaged by an insured event, Australia Post will cover the costs to remove debris from the home and demolish the home or any parts deemed unsafe. Your policy will also cover the fees of an architect, surveyor or engineer as well as any building application fees.
  • Temporary accommodation costs. If the loss or damage caused by an insured event means that your home is unfit to live in, your home insurance policy will cover the cost of temporary accommodation for you, your family and your household pets while your home is being repaired or rebuilt.
  • Mortgage discharge costs. If your home is destroyed by an insured event and the insurer has agreed to cover your home as a complete loss, your policy will pay the legal and administrative costs associated with discharging your mortgage.
  • Funeral expenses. Your policy will cover up to $7,000 of funeral expenses if you die as a result of an insured event.
  • Replacement of locks. This contents cover inclusion ensures that you will be covered for the cost of replacing the locks or key codes at your home if the keys to your home’s external doors or windows are stolen.
  • Open air contents. Contents Insurance from Australia Post also covers loss or damage to contents when they are in the open air at the insured address.
  • Temporarily removed contents. Insured contents will also be covered when they are temporarily removed from the home address, such as if you are staying in a hotel, a hospital or another home.
  • Contents while moving. Contents are insured while you are moving to a new address in Australia and the loss or damage is caused by fire or the collision or overturning of the vehicle transporting them.
  • Credit card cover. This benefit provides cover if your credit or transaction card is stolen from your home.
  • Unattached equipment. This benefit ensures that you are covered for loss or damage to equipment, spare parts or accessories belonging to caravans and camper trailers, motor vehicles, trailers and watercraft.
  • Uninsured guest contents. If an insured event results in loss or damage to items belonging to your guests or visitors, Australia Post Contents Insurance policies provide cover.
  • Legal liability. Each of Australia Post’s home insurance policies provides up to $20 million of legal liability cover for death or bodily injury to another person as the result of an accident.

General exclusions

Your Australia Post Home Insurance claim will not be paid if the claim arises due to:

  • Flood (unless added as an option)
  • Underground water seepage or pressure
  • High tide, tsunami or storm surge
  • The presence of asbestos
  • Any criminal or illegal act or omission
  • You (or someone with your knowledge or permission) using any part of the home for criminal or unlawful purposes
  • Any breach of any Commonwealth, state, territory or local government law, such as pool fencing or smoke detector regulations
  • Fines, penalties, court costs, or punitive or aggravated damages
  • Loss or damage to part of the home used for any business, trade or profession (except a home office)
  • Consequential or indirect loss
  • Contamination or pollution
  • Defects, faulty workmanship or lack of maintenance
  • Earth movement such as erosion, subsidence, landslip or collapse (except earth movement that occurs as a direct result and within 72 hours of earthquake, explosion or storm and rainwater)
  • Gradual deterioration caused by rust, rot, mould, mildew or wear and tear
  • It is caused by your intentional act or by the intentional act of someone acting with your permission
  • The cost of recovering, reinstalling or replacing electronically stored data
  • Mechanical or electrical breakdown or failure
  • Lawful seizure, repossession or confiscation
  • Tree lopping or felling
  • Bushfire, grassfire or storm within the first 72 hours of cover commencing
  • The home being unoccupied for more than 60 consecutive days
  • Insects, birds, rodents or vermin

Australia Post Home Insurance excess

Whenever you make a claim on your Australia Post Home Insurance policy you will need to pay an excess. This is the amount you will contribute towards your claim and paying it helps to keep insurance premiums low. You’ll need to pay an excess for each incident that causes loss or damage to your home or contents, and the amount of excess payable will be shown in your policy schedule. You can also increase your excess amount for lower premiums or choose to decrease your excess and pay higher premiums.


Making a claim

  1. Take immediate steps to minimise damage. If your home or contents suffer loss or damage, or if an incident occurs that may lead to a claim, you must take all reasonable steps to prevent any further loss, damage or liability occurring. Any incident involving theft or malicious damage should also be reported to the police as soon as possible.
  2. Contact your insurer. Next, contact the insurer and provide full details of what has happened. You’ll need to provide evidence of the value and your ownership of the goods or property that have been lost, stolen or damaged, while the insurer will also need to inspect the damaged goods or property before any repairs or disposal can be arranged.
  3. You claim is assessed. If the insurer agrees to pay a claim it can repair the damaged property, replace it, or pay you the amount it would cost to repair or replace the property to “as new” condition.

Frequently asked questions

Is there a cooling-off period?

Yes. All Australia Post home insurance policies come with a 21-day money-back guarantee – you will receive a full refund if you cancel your policy within the first 21 days of cover commencing.

When can I make a claim?

You can make a claim at any time by contacting the 24/7 claims helpline.

Does home insurance include cover for loss or damage to carpets and internal blinds?

No. However, these items are covered by Australia Post Contents Insurance.

Does my policy cover loss or damage caused by flood?

No. Australia Post home and contents insurance policies do not cover damage or loss as a result of flood.

How much legal liability cover is available?

You can take advantage of up to $20 million of legal liability protection.
 

Are there any additional cover options?

Yes. The following covers can be added to your policy for an extra premium:

  • Personal Effects Cover
  • Motor Burnout
  • Accidental Damage
  • Sum Insured Safeguard
  • Tenant Default
  • Theft and Malicious Damage by Tenants or Visitors
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