Everyday Home Insurance
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Everyday Home Insurance

Everyday Home Insurance (from Woolworths) is one of the only insurers to cover accidental damage with its comprehensive policy.

3.8 ★★★★★ (54 reviews) Write a review

Pros

  • It's good if you want a more personalised home insurance policy. Everyday Home Insurance offers standard and comprehensive levels of cover, so you can choose what suits your budget.
  • Everyday Insurance customers can receive 10% off their groceries once a month.
  • One of the only insurers to cover accidental damage automatically.

Cons

  • If personalising your cover, you really have to take care to choose the right amount of cover so you don't leave yourself underinsured.
Deal

Get 10% off when buying Home and Contents Insurance

Save 10% when you buy a combined home and contents insurance policy online. Plus, Everyday Insurance customers can receive 10% off their groceries once a month. T&Cs apply.

Compare Everyday Home Insurance policies in a few clicks

Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Bonus
Everyday Comprehensive Building and Contents
Annually
Our verdict: It covers more than most and you can get 10% off your Woolies shop. Watch out for underinsurance though – there’s a $15k limit on debris removal fees (this can cost $100k).
Bonus
Everyday Comprehensive Building Insurance
Annually
Our verdict: It covers more than most and you can get 10% off your Woolies shop. Watch out for underinsurance though – there’s a $15k limit on debris removal fees (this can cost $100k).
Bonus
Everyday Comprehensive Contents Insurance
Annually
Our verdict: It covers more than most and you can get 10% off your Woolies shop. Make sure you value your contents properly though – it doesn’t offer any underinsurance cover.
Bonus
Everyday Standard Building and Contents
Annually
Our verdict: Good if you want a cheaper option to Everyday Comprehensive cover but it covers slightly less (e.g. no accidental damage) and has lower payout limits.
Bonus
Everyday Standard Building Insurance
Annually
Our verdict: Good if you want a cheaper option to Everyday Comprehensive cover but it covers slightly less and has lower payout limits.
Bonus
Everyday Standard Contents Insurance
Annually
Our verdict: Good if you want a cheaper option to Everyday Comprehensive cover but it covers slightly less (e.g. no accidental damage) and has lower payout limits.
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Well done, Everyday Home Insurance

Everyday Home Insurance has placed as a finalist for the Finder Customer Satisfaction Awards in 2023. This is across the national category, Queensland and South Australia.

Full list of 2023 winners

What does Everyday Home Insurance offer?

Everyday Home Insurance offers 3 types of home insurance: building insurance, contents insurance, and a building and contents insurance policy. After choosing your policy type, you can also select your level of cover from either standard or comprehensive. This is handy if flexibility is important to you and it's a feature that's not very common in Australian home insurance.

On top of that, Everyday Insurance also offers cover for landlords as well.

These policies are designed to cover events that can cause damage to your home. Here are some examples:

Everyday Home Insurance (AR No. 245476) is backed by The Hollard Insurance Company Pty Ltd. – a popular insurance underwriter in Australia. Everyday Home Insurance offers a few different levels of excesses so that you can choose an amount that you're happy with. On top of that, it has a 14-day cooling off period which is a little bit under industry standards.

Let's break down Everyday Home Insurance

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Standard features

If an insured event happens and damages your home, here are some standard features that you can claim on with a Everyday Home Insurance policy (it may vary based on what type of policy you choose):
  • Removal of trees and debris
  • Accidental damage
  • Professional and rebuilding fees
  • Emergency accommodation
  • Contents in your home office
  • Emergency storage of contents
  • Replacement of locks
  • Food spoilage
  • Document replacement

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Optional add-ons

Here are the optional benefits that you can choose to tailor your policy. Just keep in mind that it will likely increase the cost of your policy.
  • Electrical motor burnout
  • Portable valuables

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Exclusions

These are some things a Everyday Home Insurance policy will not cover you for. Check out the Everyday Home Insurance Product Disclosure Statement (PDS) for a full list of the exclusions.

  • Bushfires, storm, rainwater or flood damage that happens within 72 hours of buying your policy
  • Damage to a home that has been unoccupied for more than 60 consecutive days
  • General wear and tear
  • Damage from vermin, insects, birds and wildlife
  • Earth movements like erosion, landslides and mudslides
  • Mould
  • Deliberate damage by you or other people invited to your home
  • Tree roots

Make sure you read Everyday Home Insurance PDS for a more detailed breakdown of exclusions. You can also head to general exclusions for more information.

The bottom line about Everyday Home Insurance

Everyday Home Insurance is good if flexibility and customisation is important to you. Not only does it offer standard and comprehensive policies, but you can also choose the level of excess you feel comfortable with.

Not sure yet? You can compare other home insurance brands side-by-side so that you end up with a policy you're happy with.

Why you can trust Finder's home insurance experts

free

We're free

You pay the same as buying directly from the home insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

We've researched and rated dozens of policies as part of our Finder Awards. We provide unique insights and our in-house experts regularly appear on Sunrise, 7News and SBS News.
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We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.
help

We're here to help

Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Frequently asked questions

Leave a Everyday Home Insurance review

If you've held, or currently hold, a Everyday Home Insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Everyday Home Insurance is right for them. Some reviews are from a survey commissioned by Finder.

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24 Responses

    Default Gravatar
    belindaMay 21, 2018

    want house hold insurance

      Default Gravatar
      NikkiMay 21, 2018

      Hi Belinda,

      We’ve read your message, Thanks!

      Our home insurance page is an ideal page to visit to see your options. We covered the most critical topics to help out our users. For trouble-free navigation, we’ve gathered the things our users often check on our drop-down menu on the right side of our website. Simply select what you want to do on the list to be automatically taken to the part of the page where the topic is covered. For instance, if you chose Compare policies side-by-side, you’ll be rerouted to our comparison table to see the covers available.

      Please note that our table will let you compare policy features side by side, but it can’t give you a price just yet. That’s because the cost depends on specific details of your home – such as value and location. Instead, consider which features are most important to you. You can click on ‘More info’ to be rerouted to our review page to check the type of policies the provider offers, exclusions and cost. You can get a fuller breakdown (i.e. policy’s temporary accommodation, tools of the trade, guests content, and more) by clicking ‘View details’. Select ‘Get a quote’ to request an estimate.

      Before applying, please ensure that you review the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

      Hope this was helpful.
      Cheers,
      Nikki

    Default Gravatar
    RoyJanuary 29, 2017

    How good is Woolworths insurance regards claims and communications

      AvatarFinder
      RichardJanuary 30, 2017Finder

      Hi Roy,

      Thanks for getting in touch.

      Unfortunately, we do not currently have any information relating to Woolworths and its claims process. How smoothly a claim will run will vary from person to person. To find out more about home insurance claims, please head over to our home insurance claims guide.

      All the best,
      Richard

    Default Gravatar
    ColleenSeptember 11, 2016

    I have a policy with you but cannot find it. Please email me privately so I may speak with you further. Thanks you

      AvatarFinder
      RichardSeptember 12, 2016Finder

      Hi Colleen,

      Thanks for getting in touch. Finder is a comparison service and not an insurer. If you would like to get in contact with Woolworths, you can do so by heading to their contact us page.

      All the best,
      Richard

    Default Gravatar
    FleurMay 5, 2016

    Does Woolworths offer House only Replacement cost insurance? Does Woolworths give an actual cash value settlement in the event of the policy holder choosing not to rebuild. Who underwrite Woolworths home insurance policies?

      AvatarFinder
      RichardMay 9, 2016Finder

      Hi Fleur,

      Thanks for your question. Woolworths do offer building only cover. According to the product disclosure statement:
      “If you decide not to proceed with the rebuild or repair of your building we will pay the lesser of:
      •The rebuild or repair cost
      •The difference in the value of your building and the land it is situated on before the damage occurred and the value of the building and land after the damage has been sustained

      Woolworths Home Insurance policies are underwritten by The Hollard Insurance Company Pty Ltd.

      I hope this was helpful,
      Richard

    Default Gravatar
    kayApril 9, 2016

    How long has Woolworths Home contents insurance existed?

      AvatarFinder
      RichardApril 9, 2016Finder

      Hi Kay,

      Thanks for your question. Woolworths have been offering insurance products in Australia since 2011.

      I hope this was helpful,
      Richard

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