Australian Seniors Home Insurance

Save up to 30% when you buy combined home & contents online, but the more basic plan from Australian Seniors Home Insurance may not meet all needs.

Our Verdict

  • Australian Seniors' combined policy discount of up to 30% is the joint highest percentage from 9 top brands we reviewed on our site.
  • Both of this provider's policies come with a competitive rate of up to $20,000,000 in legal liability.
  • Be sure to check if the Essential Cover will meet your requirements. The more basic plan doesn't come with replacement of locks cover.

Review by our life insurance senior writer James Martin

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Details

Name
Fire, Storm & Theft Damage
Malicious Damage
Escape of Liquid
Legal Liability$20,000,000
Choice of Excess
UnderwriterThe Hollard Insurance Company Pty Ltd

Latest Deal from Australian Seniors Home Insurance

Deal

Buy online and save up to 30% on a home & contents policy with Australian Seniors.

Offer applies to new policies bought online. Discount is made up of a 10% online discount for the first year, 10% for buying a combined policy and a further 10% if you hold a Seniors Card or 5% for non-card holders over the age of 50. T&Cs apply.

Compare Australian Seniors Home Insurance

Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Seniors Top Home & Contents Insurance
Annually
Buy online and save up to 30% on a new home and contents insurance policy. T&Cs apply.
Seniors Top Home Insurance
Annually
Buy online and save up to 20% on a new building insurance policy. T&Cs apply.
Seniors Top Contents Insurance
Annually
Buy online and save up to 20% on a new contents insurance policy. T&Cs apply.
Seniors Essential Home & Contents Insurance
Annually
Buy online and save up to 30% on a new home and contents insurance policy. T&Cs apply.
Seniors Essential Home Insurance
Annually
Buy online and save up to 20% on a new building insurance policy. T&Cs apply.
Seniors Essential Contents Insurance
Annually
Buy online and save up to 20% on a new contents insurance policy. T&Cs apply.
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Compare up to 4 providers

Name Product Fire, Storm & Theft Damage Tenant Default and Damage Loss of Rent Accidental Damage to Home or Belongings Flood
Seniors Landlords  Insurance
Yes
Buy online and save up to 15% on landlord building and contents policies. T&Cs apply.
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Compare up to 4 providers

Home insurance options with Australian Seniors

Australian Seniors provides two levels of home & contents insurance: Essential Cover and Top Cover.

Essential Cover

This policy provides a basic level of cover for your building and contents against theft, fire, earthquakes, lightning, storms, impact, flood, leaking, and a wide range of other common risks. You also get $20,000,000 of legal liability cover to help you pay compensation for an accident caused by your negligence that causes death or bodily injury to another person or loss or damage to another person’s property.

Top Cover

The Top Cover home & contents insurance policy provides comprehensive cover for all the same risks as the Essential Cover policy, including $20,000,000 legal liability cover. However, it also adds the extra security of accidental damage cover and higher benefit limits.

Levels of cover with Australian Seniors

Top Cover

  • Covers fire, earthquakes, storms, rainwater, flood, lightning, malicious damage, theft, impact and sudden bursting of liquids
  • Higher benefit limits than Essential Cover
  • Accidental damage cover
  • Replacement of locks up to $1,000 in an accepted theft claim
  • Cover for home office contents
  • $20,000,000 legal liability cover
  • Save up to 30% when you buy combined Home & Contents policy online
  • Choose your excess amount

Essential Cover

  • Covers fire, earthquakes, storms, rainwater, flood, lightning, malicious damage, theft, impact and sudden bursting of liquids
  • $20,000,000 legal liability cover
  • Accidental glass breakage
  • Necessary emergency accommodation costs in an accepted claim
  • Save up to 30% when you buy Home & Contents policy online
  • Choose your excess amount

General exclusions

Your Australian Seniors home insurance claim will not be paid in the following situations:

  • It is caused by a bushfire, a storm, a flood or rainwater which occurs within the first 72 hours of cover.
  • Your building is unoccupied for a period of more than 90 consecutive days.
  • It is caused by actions of the sea, including high tides.
  • It is due to gradual deterioration, such as wear and tear, rust, corrosion or depreciation.
  • It arises due to mould or mildew, wet or dry rot, rising damp or dampness.
  • It arises due to inherent defects, structural faults or faulty workmanship or design.
  • You fail to maintain your property in good repair.
  • It is caused by insects, birds, vermin or wildlife.
  • It is for erosion, subsidence, landslide, mudslide, settling, collapse, or earth shrinkage and expansion that is not directly caused by or does not occur within 72 hours of an earthquake, storm, rainwater or flood.
  • It is caused by tree roots, tree felling or lopping.
  • It is caused by any deliberate action by you, someone else living at the site, or other people who have entered with your consent.
  • It arises due to corruption of any electronic data, files or software.
  • It arises due to the mechanical, electrical or electronic failure of an item.
  • It is for building work such as an extension or renovation.
  • It is for any loss of profit or for any consequential loss.
  • It arises because you fail to comply with any commonwealth, state, territory or local government law.
  • It arises due to the lawful seizure or confiscation of the insured property.

Who is eligible for home insurance with Australian Seniors?

Australian Seniors home & contents insurance policies are available to all Australian homeowners. There are certain eligibility requirements that need to be met to qualify for cover, so make sure to read the PDS closely so you can make an informed decision about whether this is the right policy for you.

Making a claim

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.

You can also go online if you need to make a claim.

What is the excess with Australian Seniors?

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. You also have the freedom to choose different excesses for your home & contents.

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 Australian Seniors landlords 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.

Frequently asked questions

How long is the cooling-off period?

A cooling off period of 14 days applies to Auatralian Seniors home & contents insurance policies.

What company issues home insurance policies for Australian Seniors?

Australian Seniors home & contents insurance policies are issued by The Hollard Insurance Company Pty Ltd.

How much does home insurance with Australian Seniors cost?

The cost of cover depends on a range of factors, including the type of cover you choose, the value of your home & contents, where your property is located, any security devices you have installed and any discounts that may apply to your policy.

How much emergency accommodation cover is provided?

If your home suffers loss or damage and the insurer agrees that you are unable to safely reside there, both the Essential Cover and Top Cover policies cover your temporary accommodation costs, if a claim is payable. You will be covered for the following amounts:

  • The lesser of: 12 months rent; or 10% of your building sum insured

Are there any optional benefits available?

Yes, you can add the following benefits to your policy for an additional premium:

  • Electrical motor burnout
  • Portable valuables cover

Can I pay my premium in monthly instalments?

Yes, you can pay your Australian Seniors home insurance premiums in monthly instalments for an extra premium.

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2 Comments

    Default Gravatar
    Joy
    September 3, 2017

    Are there any home and contents insurance companies that also cover common property insurance as well. Thanks

      Avatarfinder Customer Care
      Rench
      September 3, 2017

      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

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