Here's a deal
Save 15-30% on your home insurance
Australian Seniors Home Insurance
Save up to 30% when you buy combined home and contents online, but the more basic plan from Australian Seniors home insurance may not meet all needs.
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Our Verdict
- Australian Seniors' combined policy discount of up to 30% is the joint highest percentage from 7 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 accidental damage cover.
Review by our life insurance senior writer James Martin
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
Australian Seniors home insurance policy options
Australian Seniors provides 2 levels of home and contents insurance: Essential Cover and Top Cover. You can get combined home and contents, building insurance, contents insurance and landlord 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).
Australian Seniors home insurance features
Standard features
Both Australian 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 insurers, Australian Seniors doesn’t offer a lot of optional add-ons. You can pay extra for the following inclusions:
- Cover for portable items
- Motor burnout and food spoilage
Exclusions
Here are some general exclusions that you will not be covered for with an Australian Seniors 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 Australian Seniors’ PDS.
Australian Seniors home insurance complaints
We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2020 and June 2021. 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.
Australian Seniors home 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 60% of its complaints during this period. This is less than other larger insurers.
Bottom line about Australian Seniors home insurance
Australian Seniors home insurance has one of the highest sign-up discounts available on the market and 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 Australian Seniors policies side by side with other insurers here.
Frequently asked questions about Australian Seniors
A note about Australian Seniors home insurance reviews
If you've held or currently hold an Australian 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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Ask an Expert
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