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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.
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 and provides protection for your home and possessions against a wide range of risks. They also offer Landlord 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 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 combines the cover of the above two policies into one comprehensive package.
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.
Here's an overview of the home and contents insurance policies Australia Post offers.
Cover available | Home only | Contents only | Home and contents |
---|---|---|---|
Fire | |||
Theft | |||
Building repair or replacement | |||
Legal Liability | Up to $30 million | Up to $30 million | Up to $30 million |
Temporary accommodation | Up 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 | |||
Explosion | |||
Burnout of electric motors | |||
Security upgrades after a burglary | Up to $500 | Up to $500 | |
Replacement locks | Up to $2,500 | Up to $2,500 | Up to $2,500 |
Environmental upgrades | Up to $2,500 | Up to $2,500 | Up to $2,500 |
Lost data or software | Up to $1,000 | Up to $1,000 | Up to $1,000 |
Emergency services attendance | Up to $500 | Up to $500 | Up to $500 |
Mortgage discharge | Up to $2,000 | Up to $2,000 | |
Spoilage of perishable food or medicine | Up to $500 | Up to $500 | |
Cover when you move house | Up to 60 days | Up to 60 days | |
Carpets, curtains and other contents items included in the purchase of a house | Up to $20,000 | Up to $20,000 | |
Damage by emergency services | |||
Accidental damage | Optional | Optional | Optional |
Portable contents cover away from home, for items such as mobile phones and bicycles | Optional | Optional | Optional |
You can upgrade your Australia Post policy to include:
Your Australia Post Home Insurance claim will not be paid if the claim arises due to:
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:
Spend in 11 currencies, lock in exchange rates and boost your travel budget with a promotional cashback offer.
Save on fees with the Australia Post Multi-currency Cash Passport that allows you to spend in up to 10 currencies and stick to your budget with locked in exchange rates.
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.
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
Does the building & contents insurance cover tsunamis ?
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
My house has asbestos fibro cladding on the exterior. Is this covered by your insurance product?
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