Australia Post Home Insurance Review

Australia Post home insurance is good if you want higher benefit limits and it’s one of the few to offer a sum insured safeguard.

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Australia Post

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Australia Post offers three home insurance cover options: Home Insurance, Contents Insurance and Home and Contents Insurance. Each of these policies is underwritten by QBE Insurance (Australia) Ltd, one of the world's top 20 general insurance and reinsurance companies.

Our Verdict

  1. Australia Post home insurance policies come with a sum insured safeguard so you don't need to worry about being underinsured — Budget Direct, Virgin and Qantas make you pay extra for this cover.
  2. It comes with $30,000,000 in legal liability — that's $10 million more than all other insurers available on Finder.
  3. You can get up to 20% off your first year's premium if you buy a combined policy online. Some policies offer as much as 30% though.

Review by our insurance writer Gary Hunter

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Australia post home insurance cover options

Australia Post Home Insurance

Australia Post Home Insurance provides cover for your residential building, which can include your house, garage and other permanently fixed structures.

Australia Post Contents Insurance

Australia Post Contents Insurance covers household goods and personal effects that you own or are legally responsible for and that are in your home. This type of policy is ideal if you are renting or live in a property owned by strata so only need cover for your belongings.

Australia Post Home and Contents Insurance

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

Australia Post Landlord Insurance

Australia Post Landlord Insurance protects your investment property from a number of events including damage, legal liability, loss of rent and more. It covers fire, explosion, burnout of electric motors, theft, vandalism and more.

How do the policy options compare?

Here's an overview of the home and contents insurance policies Australia Post offers.

Cover availableHome onlyContents onlyHome and contents
Building repair or replacement
Legal LiabilityUp to $30,000,000Up to $30,000,000Up to $30,000,000
Temporary accommodationUp to 24 months
Up to 24 months
Natural disasters (e.g. earthquakes and tsunamis)
Extreme weather (like storms and floods)
Damage from water that has escaped, such as a burst pipe
Broken glass (accidental)
Vandalism or malicious acts
Burnout of electric motors
Security upgrades after a burglary
Up to $500Up to $500
Replacement locksUp to $2,500Up to $2,500Up to $2,500
Environmental upgradesUp to $2,500Up to $2,500Up to $2,500
Lost data or softwareUp to $1,000Up to $1,000Up to $1,000
Emergency services attendanceUp to $500Up to $500Up to $500
Mortgage dischargeUp to $2,500
Up to $2,000
Spoilage of perishable food or medicine
Up to $500Up to $500
Cover when you move house
Up to 60 daysUp to 60 days
Carpets, curtains and other contents items included in the purchase of a houseUp to $20,000
Up to $20,000
Damage by emergency services
Accidental damageOptionalOptionalOptional
Portable contents cover away from home, for items such as mobile phones and bicycles

What additional benefits are available with Australia Post Home and Contents Insurance?

You can upgrade your Australia Post policy to include:

  • Accidental damage. This covers either your home, belongings or both for damage caused by an accident.
  • Portable contents insurance. If you have contents cover, you can upgrade your policy to include cover for items like bikes, jewellery, mobile phones, watches and laptops when they're outside of the home.

General exclusions

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

  • Intentional, reckless or fraudulent acts
  • Illegal activity
  • Business activities at the property address
  • Not taking reasonable care or steps to protect or minimise damage
  • Your failure to fix a defect, structural fault, design fault or faulty workmanship
  • Wear, tear, depreciation and rust
  • Rising damp, seepage, mould or mildew
  • Gradual deterioration
  • Construction works
  • Loss or damage indirectly related to your claim, such as additional travel costs because your home is uninhabitable due to an insured event
  • Some other types of loss or damage, such as actions of the sea, earth movement and power surges
  • Multiple causes where loss or damage has two or more causes and at least one of those is excluded by your policy
For a full list of exclusions, be sure to check the product disclosure statement (PDS).

Making a claim

As soon as you can after the incident, call 13 70 11 to make your claim, or lodge it online here. Here are the steps you should take when making an Australia Post Home Insurance 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 from 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 your insurer and provide the full details of what has happened. You'll need to provide evidence of the value and of your ownership of the goods or property that has been lost, stolen or damaged. The insurer will also need to inspect the damaged goods or property before any repairs or disposal can be arranged.

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6 Responses

    Default Gravatar
    KleoApril 8, 2017

    Does the 30% off get applied automatically or do I have to enter the code at checkout (no option).
    I have contacted Auspost they claim it might be an offer that has on.

      Avatarfinder Customer Care
      ZubairApril 11, 2017Staff

      Hi Kleo,

      Thank you for your question.

      Australia Post has a discount offer of 30% on their gold home and contents insurance policy if you purchased online. This offer is still active on the Australia Post’s website.

      All the best,

    Default Gravatar
    DeborahJanuary 17, 2017

    Does the building & contents insurance cover tsunamis ?

      Avatarfinder Customer Care
      RichardJanuary 23, 2017Staff

      Hi Deborah,

      Thanks for getting in touch. Australia Post Home Insurance will not pay a claim if it arises due to high tide, tsunami or storm surge.

      All the best,

    Default Gravatar
    leanneDecember 14, 2016

    My house has asbestos fibro cladding on the exterior. Is this covered by your insurance product?

      Avatarfinder Customer Care
      JasonDecember 15, 2016Staff

      Hi Leanne,

      Thank you for your enquiry.

      Australia Post Home Insurance will not pay claims due to the presence of asbestos in your property or house.

      Please note that is a financial information service and general information website that helps consumers make better decisions. We are not an insurer or an insurance company.

      Kind regards,

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