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Dodo Home Insurance

Find the right home insurance with Dodo and receive discounts on your cover

William Eve
William Eve

Updated

Fact checked
Dodo Home Insurance

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Whether you are looking to protect your home, contents or both, Dodo offers comprehensive cover that's still straightforward and flexible. Dodo policies are underwritten by Auto and General Insurance Company, who manages hundreds of thousands of policies in Australia.

Important Information

Dodo is no longer offering Home Insurance. However, the information on this page has been kept for the benefit of existing customers.

If you would like to compare the current comparison of home insurance policies, click here.

What policies are available from Dodo?

Dodo offers the following Home and Contents Insurance options to Australian customers:

Dodo Home & Contents Insurance

If you wish to combine all the benefits of Dodo Home Insurance and Dodo Contents Insurance into one policy, consider this option. It is designed to provide comprehensive coverage for your home and possessions against all the risks covered by the separate policies listed above.

  • Cover for loss or damage caused by fire, explosion, storm and rainwater, lightning and earthquake
  • Cover against theft, attempted theft, malicious damage and vandalism
  • Cover against the sudden and unexpected escape of liquid
  • Accidental breakage of glass, ceramic and sanitary fixtures
  • Removal of debris and extra rebuilding costs
  • Temporary accommodation costs
  • Landlord Benefit to cover loss of rent and fixtures and fittings
  • Mortgage discharge costs if your home is a total loss
  • $20 million legal liability cover
  • Removal of debris and extra rebuilding costs
  • Temporary accommodation costs
  • Replacement of locks when keys are stolen
  • Cover for open-air contents, contents temporarily removed from the insured address, and contents when you are moving to a new address
  • Cover for lost or stolen financial transaction cards
  • Optional cover for personal effects
  • Optional motor burnout, accidental damage and flood cover available
  • Buy online and save 35%
  • Pay premiums annually or monthly

Dodo Home Insurance

Dodo Home Insurance is designed to cover your residential building, domestic fixtures and permanent structural improvements against loss or damage caused by a wide range of risks. Insured events include fire, explosion, theft, attempted theft, malicious damage, vandalism, accidental glass breakage, storm and rainwater, lightning, earthquake and more. Removal of debris, temporary accommodation and rebuilding costs are also covered, as is your legal liability.

  • Cover for loss or damage caused by fire, explosion, storm and rainwater, lightning and earthquake
  • Cover against theft, attempted theft, malicious damage and vandalism
  • Cover against the sudden and unexpected escape of liquid
  • Accidental breakage of glass, ceramic and sanitary fixtures
  • Removal of debris and extra rebuilding costs
  • Temporary accommodation costs
  • Landlord Benefit to cover loss of rent and fixtures and fittings
  • Mortgage discharge costs if your home is a total loss
  • $20 million legal liability cover
  • Optional motor burnout, accidental damage and flood cover available
  • Option to extend your home sum insured by up to an additional 25%

Dodo Contents Insurance

Dodo Contents Insurance is designed to cover your household goods and personal effects that you own or are legally responsible for when they are in the home at the insured address. Cover is provided for loss or damage caused by fire, explosion, theft, vandalism, storm and accidental glass breakage, while removal of debris, temporary accommodation costs are covered as well. Dodo also provides cover for open-air contents and contents temporarily removed from the insured address, as well as up to $20 million of legal liability cover.

  • Cover for loss or damage caused by fire, explosion, storm and rainwater, lightning and earthquake
  • Cover against theft, attempted theft, malicious damage and vandalism
  • Cover against the sudden and unexpected escape of liquid
  • Accidental breakage of glass, ceramic and sanitary fixtures
  • Removal of debris and extra rebuilding costs
  • Temporary accommodation costs
  • Replacement of locks when keys are stolen
  • Cover for open-air contents, contents temporarily removed from the insured address, and contents when you are moving to a new address
  • Cover for lost or stolen financial transaction cards
  • Optional cover for personal effects and floods

How do the policy features compare?

CoverHome buildingContents
Legal liability cover
  • Yes
  • Yes
Fire cover
  • Yes
  • Yes
Explosion cover
  • Yes
  • Yes
Theft or attempted theft
  • Yes
  • Yes
Malicious damage, vandalism, riot or civil commotion
  • Yes
  • Yes
Accidental breakage of glass, ceramic & sanitary fixtures
  • Yes
  • Yes
Storm & rainwater damage
  • Yes
  • Yes
Lightning Cover
  • Yes
  • Yes
Earthquake Cover
  • Yes
  • Yes
Escape Of Liquid
  • Yes
  • Yes
Impact Cover
  • Yes
  • Yes
Lump sum or installment payments
  • Yes
  • Yes
Temporary Accommodation Costs
  • Yes
  • Yes
Mortgage Discharge Costs
  • Yes
  • No
Funeral Expenses
  • Yes
  • Yes
Replacement Of Locks
  • No
  • Yes
Open Air Contents Cover - Contents In The Open At The Insured Address
  • No
  • Yes
Contents Away From The Insured Address
  • No
  • Yes
Credit Card Cover
  • No
  • Yes
Uninsured Guests' Contents
  • No
  • Yes
Unattached Equipment
  • No
  • Yes
Optional
Personal Effects Cover
  • No
  • Yes
Motor Burnout Cover
  • Yes
  • Yes
Accidental Damage Cover
  • Yes
  • Yes
Choice Of Excess Options
  • Yes
  • Yes
Sum Insured Safeguard
  • Yes
  • No

When won't you be covered?

Your Dodo Home Insurance claim will not be paid if:

  • It results due to actions of the seas, high water or underground water
  • It is caused by the presence of asbestos at your home.
  • It is caused by any criminal or illegal act or omission by you.
  • It is caused by you (or someone with your knowledge or permission) using any part of the home for criminal or unlawful purposes.
  • It arises because you fail to comply with any Commonwealth, state, territory or local government law or regulation, for example regarding pool fencing, the installation of smoke detectors or the possession of illegal drugs.
  • It is for loss or damage to any part of the home specifically used for any business, trade or profession.
  • It is for consequential or indirect loss or inconvenience.
  • It arises due to a design fault, structural defect or faulty workmanship that you knew about and did not fix.
  • It results because you fail to maintain your home or contents in good condition.
  • It is caused by erosion, vibration, subsidence, landslip, landslide, mudslide, collapse or any other earth
  • movement. However, earth movement that occurs within 72 hours and as a direct result of earthquake, explosion or storm and rainwater will be covered.
  • It is caused by gradual deterioration such as rust, rot, mould and mildew.
  • It is caused by an intentional act by you or your family.
  • It is for the costs to recover, reinstall or replace electronically stored files or data.
  • It is caused by mechanical or electrical breakdown.
  • It arises due to the lawful seizure, repossession, confiscation, nationalisation or requisition of your home or contents.
  • It is caused by tree lopping or felling.
  • It is for loss or damage caused by bushfire, grassfire, or a storm within the first 72 hours of cover.
  • It is for loss or damage that occurs after your home has been unoccupied for a period of more than 60 consecutive days.
  • It is caused by insects, birds, rodents or vermin.

Who is eligible for Dodo Home Insurance?

Dodo’s Home & Contents Insurance policies are available to all Australian homeowners. It’s up to you to ensure that you keep your home, contents and personal effects in good condition, and that you take all reasonable steps to prevent any loss, damage or liability from occurring.

It’s also worth remembering that all cover stops if your home is left unoccupied for more than 60 consecutive days. However, Dodo may cover your home and contents when you’re away from home for an extended period if you advise Dodo of this beforehand and the insurer agrees to provide cover.

Making a claim

If any incident occurs that could lead to a claim on your Dodo Home Insurance policy you must:

  • Take all reasonable precautions to prevent or minimise any further loss, damage or liability.
  • Report any theft or vandalism to the police as soon as possible.
  • Contact the insurer as soon as possible and provide the full details of what has happened
  • Provide evidence of the value or ownership of any goods or property that have been lost, stolen, damaged or destroyed
  • Give Dodo the opportunity to inspect any damaged goods or property before they are repaired or disposed of.
  • Obtain the insurer’s consent before authorising any repairs

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