National Seniors home insurance review

National Seniors home insurance lets you pay monthly at no extra cost, but it doesn’t offer any unique perks if you’re over 50.

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By

Gary Ross Hunter

Updated

Fact checked

Key takeaways

  • National Seniors offers monthly payments for home insurance at no extra cost.
  • The policies are underwritten by Allianz a large insurer in Australia.
  • Despite its name it provides no unique benefits for those over 50.

Our verdict

  • You can pay monthly at no extra cost. Many insurers, including Budget Direct and Qantas, charge you more if you want to pay by the month.
  • National Seniors home insurance is good if you want to go with a popular insurer. Its policies are underwritten by Allianz, one of the biggest insurers in Australia.
  • Despite the name, there's not much that makes National Seniors a better option if you're over 50. Its 10% multi-policy discount is similar to other competitors, including Westpac and St.George.

Review by our insurance and innovations editor Gary Ross Hunter

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What does National Seniors home insurance cover?

National Seniors offers the following home insurance policies:

  • Buildings cover. This covers the physical structures that make up your home, which can include the garage, sheds, built-in swimming pools, decks as well the house itself.
  • Contents cover. This covers the items and belongings at your home, which can include furniture, white goods, electrical appliances, clothing and more. It also covers carpets and window furnishings.
  • Buildings and contents cover. This combines the cover you get for building and contents, covering you for events including fire and theft, storms and more.

Some main events covered by National Seniors include:

National Seniors home insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

These are some of the standard features that you can claim on if an insured event like a fire or storm causes loss or damage:

  • Key and lock replacement
  • Accidental damage
  • Burning out of an electric motor
  • Alternative accomodation
  • Modifications to your buildings
  • Contents in transit
  • Debris removal and demolishing
  • Document damage
  • Funeral expenses
  • Legal liability
  • Guests' or visitors' belongings

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Optional add-ons

National Seniors only offers a handful of optional add-ons. Keep in mind that you will need to pay extra to have these benefits covered.
  • Accidental damage
  • Portable contents
  • Motor burnout
  • Flood cover
  • Domestic workers' compensation cover

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Exclusions

The exclusions are situations where a policy will not pay out. All insurance policies will carry their own exclusions and they vary depending on your chosen cover level. Some of the common exclusions you'll find with these cover types, and many others are:

  • No cover for lawful seizure of property, such as repossession by a finance company
  • No cover for damage caused by acts of war or terrorism
  • No cover for damage caused by nuclear materials
  • No cover for damage caused by property deterioration, shoddy workmanship or faulty repairs

Some information on National Seniors home insurance complaints

Allianz Australia, the brand that underwrites National Seniors home insurance, was the subject of 765 home insurance complaints and 138 contents insurance complaints in the 2024/25 financial year. However, Allianz Australia is categorised as a "very large" insurer. AAI, another "very large" insurer, received 1,584 home insurance complaints and 384 contents insurance complaints in the same time period.

Comparison of complaint data from major home insurers.

Home insurance complaints - National Seniors · dw:ItRaL
UnderwriterProviderComplaints received (building)Complaints resolved at registration & referral (building)Referral resolution rateComplaints received (contents)Complaints resolved at registration & referral (contents)Referral resolution rate
Allianz Australia Insurance LimitedNational Seniors76520527.30%1384232.06%
Insurance Australia LimitedNRMA93241242.08%24012350.83%
QBE Insurance (Australia) LimitedQBE68021431.66%581932.76%
AAI LimitedAAMI1,58483851.82%38420456.2%
Source: Australian Financial Complaints Authority

What's the excess like?

The excess is an amount that needs to be paid when you make a claim. There are 2 types of excess that may apply:

  • Standard excess: This will apply to most claims. You may be able to select a higher excess if you want to pay a lower premium or a lower excess for a higher premium.
  • Additional imposed excess: This will apply to specific types of claims or in certain situations like an earthquake or tsunami. Generally, an excess of $250 might be charged on top of the standard excess.

Who is eligible for cover?

National Seniors Insurance is for:

  • People over the age of 50
  • A partner or spouse of someone in the 50+ age bracket
  • Someone connected to or otherwise focused on senior issues

How do I make a claim?

The most efficient way to make claims is via the online form. This method is available 24 hours a day, 7 days a week. Once it is lodged, a claims consultant will contact you as soon as possible. If you have an issue that requires immediate attention, such as malicious property damage or theft, note this in your online claim and it will be addressed within 48 hours. For more information, or to discuss your insurance and claims, you can call National Seniors Insurance on 1300 55 50 30.

The bottom line about National Seniors

National Seniors home insurance is good if you want to pay monthly at no extra cost, but it doesn't offer any unique perks if you're over 50. You'll also find bigger sign-up discounts with insurers such as Budget Direct and ING.

Not sure if you're ready to take out a policy? Compare other home insurance brands side-by-side to find a policy you're happy with.

Compare other products from National Seniors

Sources

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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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2 Responses

    Todd's avatar
    ToddMay 19, 2025

    i have just purchased a block in redbank vic. it contains a shed on it with wood heater, solar hot and cold water and few other things. i got for weekend stays and odd holiday. so more would like know how much it would to insure?

      Peta Taylor's headshotFinder
      PetaMay 22, 2025Finder

      Hi Todd,
      If you’re planning on using the space for yourself then you’ll likely find it easy to get cover. If you’re planning on renting the space out on something like Airbnb then you may struggle to find cover through a regular insurer. In that case, this article might help you: https://www.finder.com.au/landlord-insurance/short-term-rental-and-airbnb-insurance
      Otherwise, if you’re wanting to get cover through National Seniors, I’d suggest giving them a call and chatting about your options. Some home insurers are funny about insuring a home that isn’t occupied all the time so you’ll just have to see what they say. If you find their quoted price too dear, it’s always a good idea to shop around and compare your options. You can do that here: https://finder.com.au/home-insurance

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