Review by our life insurance senior writer James Martin
Seniors Home & Contents Insurance provides 2 levels of home and contents insurance: Essential Cover and Top Cover. You can get combined home and contents insurance, home insurance, or contents insurance.. These policies can cover you for the following events:
All policies require you to pay an excess and come with a 14 days cooling off period, which is a little shorter than other insurers (it’s typically 21 days). You can cancel your policy within this timeframe and get a full refund (if you haven’t made a claim).
Both Seniors Essential Cover and Top Cover come with a bunch of features as standard, including:
Unlike many other policies, Seniors Home & Contents Insurance doesn’t offer a lot of optional add-ons. You can pay extra for the following inclusions:
Here are some general exclusions that you will not be covered for with a Seniors Home & Contents Insurance policy:
This is not a full list of general exclusions. You can find them all on Seniors Home & Contents Insurance PDS.
We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2022 and June 2023. The data explores different underwriters and compares their business size to the number of complaints processed.
When comparing insurers, keep in mind that insurers with a larger market share serve more customers so can potentially get more complaints.
Seniors Home & Contents Insurance is underwritten by The Hollard Insurance Company Pty Ltd so the information below also includes data from other insurers this general insurer underwrites. Here's an overview of how it did.
Seniors Home & Contents Insurance has received positive customer reviews on Finder. However, its Essential Cover may not be ideal for everyone.
If you’re not yet ready to take out protection, you can compare Seniors Home & Contents Insurance policies side by side with other insurers here.
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If you've held or currently hold an Seniors Home Insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Australian Seniors is right for them. Some reviews are from a survey commissioned by Finder.
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They're gaslighting me on my gas bill! But at least it's an easy fix.
I am looking at insuring my building, house including flood cover
Hi Brad,
Thanks for your message.
Home insurance with building cover can insure your home’s permanent fixtures, such as your floorboards, cabinets, air conditioning units, and so on. You can compare your options on Finder, with policies that will also cover your home contents.
Importantly, not all home insurance policies will automatically include flood cover. This means you may have to opt-in to get flood insurance, by paying a fee to have it included on your policy. Also, keep in mind that you won’t be able to make a claim on a new policy for weather events that are already taking place. A policy waiting period of at least 72 hours will apply.
If you’re a landlord, you can find more information on your cover options here.
Regards,
James
As a senior aged 70, I want to rent out my rooming house to those with mental health issues as there is such a dearth of suitable accommodation in Murray Bridge SA. I am considering housing 4 clients, with required MHServices support. What landlord insurance can you assist with?
Hi Val,
If you’re asking about Australian Seniors home insurance, they do offer landlord home insurance.
On this page, you’ll find a table that lists their landlord insurance. Make sure you select the “Landlord Insurance” tab found on top of the table.
Click on the “Get quote” button to be redirected to their website where you can get a quote or get in touch with their representatives if you have further questions.
Be sure to read through the terms and conditions of your chosen insurance policy.
I hope this helps.
Regards,
James
Are there any home and contents insurance companies that also cover common property insurance as well. Thanks
Hi Joy,
Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.
You can get helpful info and compare your options on this page for home and contents insurances. Some also cover common property insurance.
You may click on the name of your preferred insurer to see more details then you can click on the ‘Go to Site’ button to submit an online application or request for a quote.
Cheers,
Rench