Australia Post logo

Australia Post Home Insurance

Are you after insurance cover for your home and contents? Consider a policy from Australia Post.

In addition to its mail service, the Australia Post brand offers insurance products to cover your car, travels and home and contents. Read on to find out whether home and contents insurance from Australia Post is right for you.

Compare Australia Post Home Insurance options below

Details Features
Gold Home and Contents
Gold Home and Contents
Save 30% on cover when you purchase a Gold Home and Contents policy online.
  • Cover for surrounding garages, verandahs and fences
  • Cover for your contents
  • Cover against theft, storm and rainwater, fire and more
  • Temporary accommodation
Go to site More info
Gold Home Insurance
Gold Home Insurance
Save 15% on cover when you purchase a Gold Home Insurance policy online.
  • Cover for surrounding garages, verandahs and fences
  • 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 15% 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: Gold Home Insurance, Gold Contents Insurance and Gold Home and 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.

Australia Post Gold Home Insurance

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

Australia Post Gold Contents Insurance

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 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 cover 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 vehicles, 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 cost of removing the debris from your home and demolishing 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 of 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 any loss or damage caused by fire or the collision or overturning of the vehicle transporting them will be covered.
  • 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 will provide cover.
  • Legal liability. Each of Australia Post’s home and contents insurance policies provide 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 an earthquake, explosion or storm and rainwater)
  • Gradual deterioration caused by rust, rot, mould, mildew or wear and tear
  • Your intentional act or by the intentional act of someone acting with your permission
  • The need to recover, reinstall or replace 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 payable will be shown in your policy schedule. You can also increase your excess amount in exchange 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 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.
  3. You claim is assessed. If your insurer agrees to pay the claim, it will either 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 of 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 cover options 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
Was this content helpful to you? No  Yes

Related Posts

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au 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

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

6 Responses to Australia Post Home Insurance

  1. Default Gravatar
    Kleo | April 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 Finder.com.au has on.

    • Staff
      Zubair | April 11, 2017

      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,
      Zubair

  2. Default Gravatar
    Deborah | January 17, 2017

    Does the building & contents insurance cover tsunamis ?

    • Staff
      Richard | January 23, 2017

      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,
      Richard

  3. Default Gravatar
    leanne | December 14, 2016

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

    • Staff
      Jason | December 15, 2016

      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 finder.com.au 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,
      Jason

Ask a question
feedback