Both of this provider's policies come with a competitive rate of up to $20,000,000 in legal liability.
Cons
Be sure to check if the Essential Cover will meet your requirements. The more basic plan doesn't come with accidental damage cover.
Review by our life insurance senior writer James Martin
Compare Seniors Home Insurance
Seniors Home & Contents Insurance policy options
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:
Emergency accommodation
Removal of debris due to damage
Home-office contents
Damage to trees, plants or shrubs
Replacement of locks after theft
Personal documents replacement
Guests’ contents
Tools of trade
Optional add-ons
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:
Cover for portable valuables
Electrical motor burnout and food spoilage
Exclusions
Here are some general exclusions that you will not be covered for with a Seniors Home & Contents Insurance policy:
Natural disasters which occur within the first 72 hours of cover
Unoccupied building (for more than 90 consecutive days)
Actions of the sea
Gradual deterioration
You fail to maintain your property in good repair
Insects, birds, vermin or wildlife damage
Tree roots, tree felling or lopping
This is not a full list of general exclusions. You can find them all on Seniors Home & Contents Insurance PDS.
Seniors Home & Contents Insurance complaints
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.
Australian Seniors (The Hollard Insurance Company Pty Ltd) may be better for customer service than QBE since it had fewer complaints during this period.
Australian Seniors and The Hollard Insurance Company have only been able to close out 43% of its complaints during this period. This is less than other larger insurers.
Bottom line about Seniors Home & Contents Insurance
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.
You pay the same as buying directly from the home insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.
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Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
Frequently asked questions about Seniors Home & Contents Insurance
Australian Seniors aims to make it as quick and simple as possible to file a claim. You will need to notify the police immediately when any theft or malicious damage occurs, and you should inform the insurer as soon as possible of any event that could lead to a claim. You can do this by phoning Australian Seniors on 13 43 43.
It’s also important to follow a few other simple steps:
Take reasonable precautions to prevent any further loss, damage or liability.
Make sure that the insurer approves any permanent repairs before you have them done.
Make receipts or valuations for covered items available to the insurer’s claims department.
Supply as quickly as possible any other information or documentation the insurer requests.
An excess is the amount of money you are required to contribute towards a claim. There are different excesses that may apply depending on the type of cover you have chosen and what your claim relates to.
If you make a claim for an earthquake or flood, you will need to pay the higher of your selected basic excesses or a fixed excess of $500 for each event. If you take out an Seniors Home Insurance policy, any claims under the "Malicious acts and theft" section of cover will require you to pay the higher of the basic excesses or a fixed excess of $400. The amount of excess you will need to pay will be displayed on your Certificate of Insurance.
Seniors Home & Contents Insurance is issued and underwritten by The Hollard Insurance Company Pty Ltd.
A Seniors Home & Contents Insurance policy is suitable for someone who owns and occupies a home (but not a home owned under a strata title, community or company title) that:
is not under construction or major renovation or alteration
is kept in good repair and is reasonably protected from loss or damage
complies with statutory and government requirements
is used primarily for residential purposes and is unlikely to be unoccupied for more than 60 consecutive days
Also, Australian Seniors is marketed as an insurance brand who focuses on cover for Australians over 50. The brand is one of very few companies to provide specific cover for seniors home insurance.
A note about Seniors Home Insurance reviews
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.
James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146).
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.
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?
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.
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.
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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