Seniors home insurance
There are a few home insurers that offer discounts tailored to seniors only.

Whether a big storm batters the roof or a burst pipe floods the basement, seniors home insurance can help pay for important repairs, replace damaged items, and even cover alternative accommodation if you have to stay elsewhere for a while.
This guide will explain how to compare home insurance policies to find one that's right for you, and will reveal which insurers offer discounts to older customers.
There are a few insurers that offer discounts tailored to seniors only, such as Australian Seniors. We would always encourage seniors to do the maths when it comes to seniors discounts and see how good a deal it actually is.
For example, buying a policy online can sometimes give you a greater discount than your seniors card.
Here's a quick list of discounts offered by some insurers:
Insurer | Seniors discounts | Other discounts | Get quote |
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This information is correct as of February 2019
When looking into purchasing a home insurance policy, seniors should consider a few things:
Response | Gen Z | Gen Y | Gen X | Baby Boomers |
---|---|---|---|---|
Home and contents | 43.82% | 66.03% | 70.39% | 81.53% |
I do not have any form of home insurance | 41.57% | 23.37% | 20.39% | 13.64% |
Building (without contents) | 20.22% | 15.76% | 16.78% | 10.8% |
Landlord | 7.87% | 10.87% | 9.87% | 9.09% |
Airbnb/Short Term | 3.37% | 2.99% | 0.66% | 0.28% |
Every insurance company offers home insurance for seniors, but certain insurers do cater specifically to seniors, such as the Australian Seniors, APIA and National Seniors Insurance.
The main difference is the price since some insurers provide discounts for seniors. In terms of the benefits, there are no differences between different policyholders.
It's handy to keep in mind that insurance needs change as you age, so choosing a flexible policy that covers your key concerns is a great way to save money and have peace of mind.
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