We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.
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.
These are some things an 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.
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.
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.
If you've held, or currently hold, an 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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Can I get cover for Computer hardware under contents – optional benefits.
Can tools & equipment contained within a garage be covered under contents – optional benefits.
What is not covered under the heading of “storm surge”
Hi Don,
Thanks for your question. You will need to discuss these matters with Woolworths directly. finder.com.au is a comparison service and does not have access to the specifics of what can be covered under optional benefits. Additionally, there is no reference to storm surge in the most recent PDS. Storm exclusions for loss or damage include:
I hope this was helpful,
Richard
Interesting. If caused by water that has seeped or percolated into your building or to the interior of your building or to your contents if the damage or loss has not occurred as a result of an opening made by the Storm, then what is actually covered. Isn’t this how storm damage impacts a property?. I am concerned if my cover will protect me.
Hi Jack,
Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide personalised advise. This exclusion refers to a homeowners need to maintain their home in order to minimise the risk of loss or damage. Woolworths Home Insurance states the exclusion as:
“loss or damage to the interior of your building or to your contents if the damage or loss has NOT occurred as a result of an opening made by the Storm”
If you would like to know more about the specifics of your cover, you should contact your insurer directly.
I hope this was helpful,
Maurice
I have woolworths standard home & contents insurance am i covered for food spoilage
Due to loss of power during the nsw storms last week and will I have to pay an excess
Hi Tracey,
Thanks for your question. Woolworths standard cover provides a maximum of $500 cover for food spoilage or loss to frozen or refrigerated food caused by an Insured Event. You will need to contact the Insurer to find out whether or not this is classed as an Insured Event. However, if you took out optional Electrical Motor Burnout, you may be covered of $500 for loss or spoilage of food caused by the failure of public electricity to supply your home.
I hope this was helpful,
Richard
I have comprehensive home and contents. Am I covered for food spoilage due to power blackout. Power out for over 3 days and still not back on
Hi Jacqueline,
Thanks for your question. Woolworths Comprehensive covers loss or spoilage of frozen or refrigerated food (up to a maximum of $1,000) that is the result of an Insured Event.
If you have optional Electronic Motor Burnout, you would be covered for a maximum of $1,000 for loss or spoilage of food due to the failure of public electricity to supply your home.
I hope this was helpful,
Richard
Does your insurance cover damage roof solar panels, switches and inverters.
Many Thanks Dennis
Hi Dennis,
Thanks for you question. Unfortunately, finder.com.au is a comparison service and not an insurer. I have had a look through the Woolworths Home Insurance PDS and didn’t find a reference to solar panels. You may wish to contact Woolworths and find out if solar panels are covered. You can contact Woolworths by calling 1300 10 1234.
I hope this was helpful,
Richard
Hi
Can you please advise if your building and/or continents policies include replacement of hot water systems at end of life?
Thanks
Hi Georgina,
Thanks for your question. Woolworths Home Insurance does cover losses that result from a faulty hot water system. However, whether or not they cover the replacement of it as a fixed appliance is unclear. You may wish to contact the Woolworths claims team as they will be able to give you a definitive answer. They can be reached by calling 1300 10 1234.
I hope this was helpful,
Richard