Australian Seniors sells itself as the best insurer for Aussies over 50. At the end of the day, the home insurance needs of seniors aren't that different to the rest of Australia, so that may or not be true.
That said, Australian Seniors home insurance is a pretty solid product, with generally positive reviews of its customers support. It's Essentials Cover product is very basic though, so you'll need to check if it covers everything you need covered.
Pros
Both of this provider's policies come with a competitive rate of up to $20,000,000 in legal liability.
A higher level of complaints resolved directly with the customer compared to other large insurance companies.
Backed by The Hollard Insurance Company Pty Ltd AFSL 241436 (Hollard), one of the biggest insurance companies in Australia.
Cons
Be sure to check if the Essential Cover will meet your requirements. The more basic plan doesn't come with accidental damage cover.
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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
Storage of Contents
Funeral Expenses
Temp accommodation for your dogs and or cats
Mortgage discharge
Replacement of locks after theft
Personal documents replacement
Guests’ contents
Tools of trade
Contents temporarily removed from your home
Contents in transit
Contents in new and old home
Contents in open air
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 60 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.
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. 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 if your property is subject to Strata or Community title then a Seniors Contents Insurance policy may be suitable for you (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
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, Insurance News, 7NEWS and The Guardian. An experienced journalist, James' work has featured in publications including The Irish Times, Companies100 and In Business. 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).
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I am looking at insuring my building, house including flood cover
Finder
JamesMarch 10, 2022Finder
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
ValNovember 8, 2021
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?
Finder
JamesNovember 24, 2021Finder
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
JoySeptember 3, 2017
Are there any home and contents insurance companies that also cover common property insurance as well. Thanks
Finder
RenchSeptember 3, 2017Finder
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.
Motor burnout covers those big appliances in your home in the event that they let you down. This article will show you what it is, why it's important and how much it can cost you.
What you need to know about finding the best home insurance for you. Compare policies and learn what questions to ask when researching insurance policies.
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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