How do I make a claim with Everyday Home Insurance?

Claims can be lodged on the phone or online through Everyday's My Insurance Portal. If it's the first time you've made a claim, you'll have to register and then log in. Before you start, make sure to have the following prepared: Your personal details and policy number (if you don't have a paper copy, try to find it in your emails) Details about what happened Evidence of the event, like photos, invoices, police reports, quotes, etc. If making your claim over the phone, you can call the claims team on 1300 10 1234.

Are there any discounts or rewards if I sign up to Everyday Home Insurance?

Yes. Everyday Insurance applies a combined discount if you buy a building and contents policy together. On top of that, if you're an Everyday Rewards member, you can also get 10% off your grocery shop at Woolies once a month.

Who is the underwriter for Everyday Home Insurance?

The underwriter for Everyday Home Insurance is The Hollard Insurance Company Pty Ltd AFSL 241436.

Who is eligible for an Everyday home insurance policy?

An Everyday Home or Contents Insurance policy is suitable for someone who owns and occupies a home (excluding properties owned under a strata title, community or company title) that: isn't under construction or being majorly renovated or altered is kept in good condition and is properly protected from loss or damage complies with relevant statutory and local government requirements is used primarily by you for residential purposes and is unlikely to be unoccupied for more than 60 consecutive days If you live in a property that’s under a strata title, community or company title, you may only be eligible for a contents insurance policy. Policies are also only suitable if you have estimated the cost of replacement of the building, fixtures and structural improvements. You must also be comfortable that the policy satisfies your need for affordable cover and is likely to help reduce your net financial loss in the event of a claim. Additionally, you can check out the Target Market Determination (TMD) document on the insurer’s website. Comprehensive policies are suitable for people who want higher limits, additional benefits and accidental damage cover.

How does legal liability work?

Legal liability can cover you if your negligence around the home caused injury or death to someone, or damage/loss to their property. Everyday Home Insurance offers a benefit amount of $20 million, which is the total amount from all policies you may hold under Everyday Insurance (including separate contents insurance policies). If you need more details, contact the insurer directly since exceptions can apply.

Should you get Everyday Home Insurance?

4.2 (682 reviews) Write a review

Everyday comprehensive policies often include accidental damage cover and monthly grocery discounts.
Choose your cover level and excess, but ensure your sums insured adequately protect against underinsurance.
Be aware of key exclusions like a 72-hour waiting period and the shorter 14-day cooling off period.

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.
Accidental damage cover is included with the Comprehensive policy.

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.

Compare Everyday Home Insurance policies in a few clicks

Finder Score	Fire, Storm & Theft Damage
7.5 Great Everyday Standard Building and Contents	7.5 Great	Discount: Get up to 10% off when you buy Everyday Home and Contents Insurance online, plus 10% off your in-store Woolworths grocery shop every month as an Everyday Rewards Member. T&Cs apply.	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.	View details Compare product selectionCompare	loading
7.1 Great Everyday Comprehensive Building and Contents	7.1 Great	Discount: Get up to 10% off when you buy Everyday Home and Contents Insurance online, plus 10% off your in-store Woolworths grocery shop every month as an Everyday Rewards Member. T&Cs apply.	Our verdict: It covers more than most. Watch out for underinsurance though – there’s a $15k limit on debris removal fees (this can cost $100k).	View details Compare product selectionCompare	loading
8.7 Great Everyday Standard Contents Insurance	8.7 Great	Everyday Rewards members can access a 10% discount on their monthly shop. T&Cs apply.	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.	View details Compare product selectionCompare	loading
7.5 Great Everyday Comprehensive Contents Insurance	7.5 Great	Everyday Rewards members can access a 10% discount on their monthly shop. T&Cs apply.	Our verdict: It covers more than most. Make sure you value your contents properly though – it doesn’t offer any underinsurance cover.	View details Compare product selectionCompare	loading
7.7 Great Everyday Standard Building Insurance	7.7 Great	Everyday Rewards members can access a 10% discount on their monthly shop. T&Cs apply.	Our verdict: Good if you want a cheaper option to Everyday Comprehensive cover but it covers slightly less and has lower payout limits.	View details Compare product selectionCompare	loading
7.5 Great Everyday Comprehensive Building Insurance	7.5 Great	Everyday Rewards members can access a 10% discount on their monthly shop. T&Cs apply.	Our verdict: It covers more than most. Watch out for underinsurance though – there’s a $15k limit on debris removal fees (this can cost $100k).	View details Compare product selectionCompare	loading

Finder Score - Home insurance

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.

Read the full methodology

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:

water tap icon

Escape of liquid

thunderstorm icon

Storms

lock icon

Theft

explosion icon

Explosion

broken package icon

Malicious damage

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

Standard features
Optional add-ons
Exclusions

Check icon

Standard features

If an insured event happens and damages your home, here are some standard features that you can claim on with an 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

plus icon

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

Exclusions

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.

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.

Frequently asked questions

Claims can be lodged on the phone or online through Everyday's My Insurance Portal. If it's the first time you've made a claim, you'll have to register and then log in.
Before you start, make sure to have the following prepared:
- Your personal details and policy number (if you don't have a paper copy, try to find it in your emails)
- Details about what happened
- Evidence of the event, like photos, invoices, police reports, quotes, etc.
If making your claim over the phone, you can call the claims team on 1300 10 1234.
An Everyday Home or Contents Insurance policy is suitable for someone who owns and occupies a home (excluding properties owned under a strata title, community or company title) that:
- isn't under construction or being majorly renovated or altered
- is kept in good condition and is properly protected from loss or damage
- complies with relevant statutory and local government requirements
- is used primarily by you for residential purposes and is unlikely to be unoccupied for more than 60 consecutive days
- If you live in a property that’s under a strata title, community or company title, you may only be eligible for a contents insurance policy.
Policies are also only suitable if you have estimated the cost of replacement of the building, fixtures and structural improvements. You must also be comfortable that the policy satisfies your need for affordable cover and is likely to help reduce your net financial loss in the event of a claim. Additionally, you can check out the Target Market Determination (TMD) document on the insurer’s website.
Comprehensive policies are suitable for people who want higher limits, additional benefits and accidental damage cover.
Legal liability can cover you if your negligence around the home caused injury or death to someone, or damage/loss to their property.
Everyday Home Insurance offers a benefit amount of $20 million, which is the total amount from all policies you may hold under Everyday Insurance (including separate contents insurance policies). If you need more details, contact the insurer directly since exceptions can apply.

Compare other products from Everyday

Sources

Leave an Everyday Home Insurance review

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.

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 522 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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24 Responses

RodMarch 30, 2014

Hi ,Do you have Investment Property insurance within you product range ??
Regards,
Rod

Finder

WilliamMarch 31, 2014Finder

Hi Rod,

Thank you for your enquiry. Finder.com.au does not actually represent Woolworths travel insurance as we compare travel insurance products from a range of different providers. The Woolworths Home Insurance range of products does not include investment property insurance and is currently limited to;

Building and contents insurance
Contents insurance
Building insurance

Thank you for your enquiry and all the best.

Will

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Everyday Home Insurance

Everyday Home Insurance (from Woolworths) includes accidental damage cover with its comprehensive policy.

Key takeaways

Pros

Cons