Get home insurance with Australian Seniors and choose between basic and comprehensive cover. Save up to 30% when you buy combined home & contents online.
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Australian Seniors has home & contents insurance products for people who want basic cover or those who want comprehensive cover. Both policies include $20 million of legal liability cover and discounts if you buy online. Both policies are available for all Australian homeowners.
This review will outline the features, benefits and exclusions of Australian Seniors home insurance policies and answer some common questions about home insurance.
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 million 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 million 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 $1000 in an accepted theft claim
Cover for home office contents
$20 million 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 million 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.
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.
FAQs
A 14-day cooling-off period applies to Australian Seniors home & contents insurance policies.
Australian Seniors home & contents insurance policies are issued by The Hollard Insurance Company Pty Ltd.
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.
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 lesser of the following amounts:
12 months’ rent
10% of the sum insured for your building
Yes, you can add the following benefits to your policy for an additional premium:
Electrical motor burnout
Portable valuables cover
Yes, you can pay your Australian Seniors home insurance premiums in monthly instalments for an extra premium.
Tim Falk is a writer for Finder, writing across a diverse range of topics. Over the course of his 15-year writing career, Tim has reported on everything from travel and personal finance to pets and TV soap operas. When he’s not staring at his computer, you can usually find him exploring the great outdoors.
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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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