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Woolworths Home Insurance offers 3 different policy types. You can choose from a building insurance policy, a contents insurance policy, or a combination of both. For flexibility, Woolworths Home Insurance also offers additional add-ons so you can get a policy that's really suited to your home and lifestyle.
Some of the different types of home cover that Woolworths offers include:
Woolworths Building Insurance provides extensive cover against damage to your home at an affordable rate. This policy will provide cover for;
Benefits | Standard | Comprehensive |
---|---|---|
Choose your excess | ||
24 hour emergency claims assistance | ||
Fire and explosion | ||
Storm, rainwater and flood | ||
Earthquake, tsunami and volcanic eruption | ||
Lightning | ||
Malicious damage | ||
Theft | ||
Riot, civil commotion or industrial unrest | ||
Escape of liquids such as burst pipes | ||
Accidental glass breakage | ||
Accidental damage | ||
Building Insurance - Additional benefits | ||
Emergency accommodation | Lesser of 12 months of rent or 10% of sum insured | Lesser of 12 months of rent or 10% of sum insured |
Replacement of locks | $500 | $1,000 |
Damage to trees, plants or shrubs | $750 | $1,500 | Discharge of mortgage costs | $1,000 | $2,000 |
Temporary accommodation for your dogs and/or cats | $500 | $1,000 |
Funeral expenses | $5,000 | $10,000 |
Building Insurance - Optional benefits | ||
Electrical motor burnout | $1,000 | $2,000 |
Benefits | Standard | Comprehensive |
---|---|---|
Choose your excess | ||
24 hour emergency claims assistance | ||
Fire and explosion | ||
Storm, rainwater and flood | ||
Earthquake, tsunami and volcanic eruption | ||
Lightning | ||
Malicious damage | ||
Theft | ||
Riot, civil commotion or industrial unrest | ||
Escape of liquids such as burst pipes | ||
Accidental glass breakage | ||
Accidental damage | ||
Contents Insurance - Additional benefits | ||
Contents temporarily removed from your home* | ||
Moving to a new address in Australia | ||
Moving to a new address in Australia | ||
Outdoor contents at your home | $4,000 | $8,000 |
Contents in your home office | $5,000 | $10,000 |
Cover for Strata title property owners | ||
Food spoilage | $500 | $1,000 |
Legal liability | ||
Removal of debris and fees | $10,000 | $15,000 |
Discharge of mortgage costs | $1,000 | $2,000 |
Temporary accommodation for your dogs and/or cats | $500 | $1,000 |
Funeral expenses | $5,000 | $10,000 |
Guests' contents | $500 | $1,000 |
Documents replacement | $500 | $1,000 |
Tools of trade | $1,00 | $2,000 |
Contents Insurance - Optional benefits | ||
Electrical motor burnout | $1,00 | $2,000 |
Portable valuables outside your home, within Australia |
With this insurance policy, you can get cover not just for the building, but also for the contents. The insurance provides cover for;
Benefits | Standard | Comprehensive |
---|---|---|
Choose your excess | ||
24 hour emergency claims assistance | ||
Fire and explosion | ||
Storm, rainwater and flood | ||
Earthquake, tsunami and volcanic eruption | ||
Lightning | ||
Malicious damage | ||
Theft | ||
Riot, civil commotion or industrial unrest | ||
Escape of liquids such as burst pipes | ||
Accidental glass breakage | ||
Accidental damage | ||
Building and Contents Insurance - Additional benefits | ||
Emergency accommodation | Lesser of 12 months of rent or 10% of sum insured | Lesser of 12 months of rent or 10% of sum insured |
Replacement of locks | $500 | $1,000 |
Damage to trees, plants or shrubs | $750 | $1,500 |
Contents temporarily removed from your home* | ||
Moving to a new address in Australia | ||
Moving to a new address in Australia | ||
Outdoor contents at your home | $4,000 | $8,000 |
Contents in your home office | $5,000 | $10,000 |
Cover for Strata title property owners | ||
Food spoilage | $500 | $1,000 |
Legal liability | ||
Removal of debris and fees | $10,000 | $15,000 |
Discharge of mortgage costs | $1,000 | $2,000 |
Temporary accommodation for your dogs and/or cats | $500 | $1,000 |
Funeral expenses | $5,000 | $10,000 |
Guests' contents | $500 | $1,000 |
Documents replacement | $500 | $1,000 |
Tools of trade | $1,00 | $2,000 |
Building and Contents Insurance - Optional benefits | ||
Electrical motor burnout | $1,00 | $2,000 |
Portable valuables outside your home, within Australia |
Woolworths Home Insurance will provide cover for:
Each insured event will have its own set of exclusions for when a benefit will not be paid. Knowing what is covered and what is not will allow you to choose the right insurance for your needs and according to your budget.
When you select Woolworths Home Insurance, you also can select the optional benefits based on your needs. It is prudent to remember that these optional benefits will have an effect on your premiums. The more optional benefits you choose, the higher will be your premium. Some of the optional benefits offered by Woolworths Home Insurance are as follows:
It is important to note that there are certain exclusions applied to the insuring of individual items. If loss or damage occurs due to one of the following reasons, the cover will not be valid.
The loss and damage of the following items also will not be covered:
There are four simple and easy steps if you want to claim your Woolworths Home Insurance. These steps are as follows:
Since the opening of its first retail store in Sydney in 1924, Woolworths has grown to become the largest retail store in Australia. Over the years Woolworths has extended its services to now offer banking and financial solutions, including insurance and credit cards. Insurance products currently offered by Woolworths include:
Woolworths makes it easy for homeowners to pay their premiums, which can be directly debited via bank account or credit card. As a result, you never have to worry about missing or delaying your premium. You have the option of combining the insurance for the building and contents, so that a single policy covers not just your home, but also the assets therein. If you are staying in a rented house or apartment, it is worth considering contents insurance to look after the assets in the building. This cover extends to clothing, jewellery and furniture as well. There are several options that you can choose from to ensure your personal belongings are adequately protected.
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want house hold insurance
Hi Belinda,
We’ve read your message, Thanks!
Our home insurance page is an ideal page to visit to see your options. We covered the most critical topics to help out our users. For trouble-free navigation, we’ve gathered the things our users often check on our drop-down menu on the right side of our website. Simply select what you want to do on the list to be automatically taken to the part of the page where the topic is covered. For instance, if you chose Compare policies side-by-side, you’ll be rerouted to our comparison table to see the covers available.
Please note that our table will let you compare policy features side by side, but it can’t give you a price just yet. That’s because the cost depends on specific details of your home – such as value and location. Instead, consider which features are most important to you. You can click on ‘More info’ to be rerouted to our review page to check the type of policies the provider offers, exclusions and cost. You can get a fuller breakdown (i.e. policy’s temporary accommodation, tools of the trade, guests content, and more) by clicking ‘View details’. Select ‘Get a quote’ to request an estimate.
Before applying, please ensure that you review the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Hope this was helpful.
Cheers,
Nikki
How good is Woolworths insurance regards claims and communications
Hi Roy,
Thanks for getting in touch.
Unfortunately, we do not currently have any information relating to Woolworths and its claims process. How smoothly a claim will run will vary from person to person. To find out more about home insurance claims, please head over to our home insurance claims guide.
All the best,
Richard
I have a policy with you but cannot find it. Please email me privately so I may speak with you further. Thanks you
Hi Colleen,
Thanks for getting in touch. Finder is a comparison service and not an insurer. If you would like to get in contact with Woolworths, you can do so by heading to their contact us page.
All the best,
Richard
Does Woolworths offer House only Replacement cost insurance? Does Woolworths give an actual cash value settlement in the event of the policy holder choosing not to rebuild. Who underwrite Woolworths home insurance policies?
Hi Fleur,
Thanks for your question. Woolworths do offer building only cover. According to the product disclosure statement:
“If you decide not to proceed with the rebuild or repair of your building we will pay the lesser of:
•The rebuild or repair cost
•The difference in the value of your building and the land it is situated on before the damage occurred and the value of the building and land after the damage has been sustained
Woolworths Home Insurance policies are underwritten by The Hollard Insurance Company Pty Ltd.
I hope this was helpful,
Richard
How long has Woolworths Home contents insurance existed?
Hi Kay,
Thanks for your question. Woolworths have been offering insurance products in Australia since 2011.
I hope this was helpful,
Richard
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