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Foundation repair – how home insurance will help

Foundation repair is costly – but if you're covered for the event that caused the damage, your home insurance should kick in.

When does home insurance cover foundation repair?

Foundation damage doesn't just happen by itself – something causes it. If your home insurance covers whatever caused the foundation damage, then it'll pay out for the foundation repairs too. Your product disclosure statement (PDS) will tell you everything your policy covers. Common inclusions are:

  • Fire
  • Impact (for example, a vehicle, or falling tree)
  • Theft
  • Vandalism or malicious damage
  • Earthquake or tsunami
  • Lightning
  • Storms and rainwater
  • Explosion
  • Escape of liquid
  • Floods (flood cover is often an add-on you'll need to pay extra for)

When won't home insurance cover foundation repair?

If your home insurance doesn't cover the event which caused the foundation damage, then it won't pay out for the repairs. What's covered by your policy will vary between different insurers – but some common exclusions are:

  • Normal wear and tear
  • Damage to your carelessness or neglect
  • Termite damage
  • Damage caused by your illegal behaviour
  • Pre-existing damage
  • Damage from natural events that you opted not to include
  • Faulty construction
  • Storm surges
  • Tree-root damage
  • Shifting soil

Compare home insurance options with foundation repair

1 - 7 of 17
Name Product Is there cover for foundation repair? Temporary Accommodation Sum Insured Safeguard Accidental Damage to Home or Belongings Fire, Storm & Theft Damage
Budget Direct Home & Contents Insurance
BonusFinder Award Finalist
Budget Direct Home & Contents Insurance
10% of sum insured - up to 12 months
Optional
Optional
Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover and gives you up to 30% off your first year for new combined policies purchased online. This is a big reason it won this year’s Finder Award for value.
Youi Building and Contents Insurance
12% of sum insured - up to 12 months
Optional
Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. It’s good if you want a tailored quote over the phone.
QBE Home & Contents Insurance
20% of buildings sum insured - 24 months
Optional
Our verdict: Finder's Top Pick for Floods plus cover for other common claims such as fire and theft). Its discount is better than most – 20% off your first year with a combined policy.
Honey Home & Contents Insurance
10% of home sum insured
Optional
Our verdict: Honey gives you $250 smart sensors to reduce accidents and estimates your rebuild costs for you. Honey was a finalist for the comprehensive category in this year’s Finder Awards.
Australia Post Home & Contents Insurance
Up to 24 months
Optional
Our verdict: Covers common claims such as fire, storms, floods and rain. It’s also very helpful if you need to rebuild following a disaster. It offers a special safeguard of up to 30%.
Kogan Home & Contents Insurance
20% of buildings sum insured - 24 months
Optional
Our verdict: Good comprehensive cover (issued by QBE). Also, get 16% off on your first year's premium when you purchase a new combined Home & Contents insurance policy online + $10 monthly credit. T&Cs apply.
Qantas Home and Contents Insurance
BonusFinder Award Finalist
Qantas Home and Contents Insurance
10% of sum insured - up to 12 months
Optional
Optional
Our verdict: Earn up to 30,000 Qantas Points with every Qantas Home Insurance policy you take out by 28 May. T&Cs and exclusions apply.
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FAQs about foundation repair

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