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Woolworths Home Insurance

Need to protect what matters most? Woolworths Home Insurance could have the policy you need.

William Eve
William Eve

Updated

Fact checked
Woolworths

Finding home and contents insurance can be a daunting process for many. The Australian insurance market is made up of literally hundreds of different policy options so choosing the right one can take some time and research. With the right insurance in place, you will feel safer and will not feel the pinch if you have to repair your home or replace any stolen or damaged items.

The ideal home insurance policy covers any cost you may incur due to loss or damage of the structure. Even contents within your home can be insured against loss or damage. Most insurers will offer the two cover options as a package. That is why it is important to calculate the cover you require, as it will have an effect on the premiums you pay each month.

We don't currently have this brand on our panel. But don't fret! You can head to the Woolworths website or compare a bunch of other home insurance companies with finder.

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What cover options does Woolworths offer?

Some of the different types of home cover that Woolworths offers include:

Building Insurance:

Woolworths Building Insurance provides extensive cover against damage to your home at an affordable rate. This policy will provide cover for;

  • Vandalism
  • Earthquake
  • Flood
  • Rainwater
  • Fire
  • Burst pipes
  • Storms
  • Industrial impact
Applicants have the option of choosing either comprehensive or standard cover.

 

BenefitStandardComprehensive
Emergency accommodation
  • Yes
  • Yes
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 pets
  • $500
  • $1,000
Funeral expenses
  • $5,000
  • $10,000
Electrical motor burnout *
  • $1,000
  • $2,000

Contents Insurance

Woolworths contents insurance provides cover for valuable items including furniture, jewellery and clothing from;

  • Fire
  • Storm
  • Industrial unrest
  • Damage due to impact
  • Vandalism
  • Earthquake
  • Burst pipes
  • Flood and rainwater
You will have the option of Standard and Comprehensive cover and are eligible to a 10% discount if cover is purchased online. This insurance offers cover for your valuables and assets even if they get damaged or lost while you are at home.

 

BenefitStandardComprehensive
Contents temporarily removed from your home
  • Yes
  • Yes
Moving to a new address in Australia - contents in transit
  • No
  • Yes
Outdoor contents
  • $4,000
  • $8,000
Contents in your home office
  • $5,000
  • $10,000
Food spoilage
  • $500
  • $1,000
Legal liability
  • Yes
  • Yes
Accidental damage
  • No
  • Yes
Removal of debris and trees
  • Yes
  • Yes
Funeral expenses
  • $5,000
  • $10,000
Guests' contents
  • $500
  • $1,000
Documents replacement
  • $500
  • $1,000
Tools of trade
  • $1,000
  • $2,000
Portable valuables outside your home *
  • Yes
  • Yes
Electrical motor burnout *
  • $1,000
  • $2,000

Combined Building and Contents Insurance

With this insurance policy, you can get cover not just for the building, but also for the contents. The insurance provides cover for;

  • Fire
  • Storm
  • Flood
  • Earthquake
  • Vandalism
  • Rainwater
  • Theft
  • Industrial unrest
  • Damage due to impact
Woolworths offers the choice of standard or comprehensive home insurance. Both types can be bought online and if you are a first time buyer, you will be able to get a discount of up to 10% on your premiums. You also have the option of selecting the excess for your policy. All emergency claims can be notified to the 24-hour emergency claims helpline. This home insurance from Woolworths comes with several additional and optional benefits to help you tailor your cover closer to your needs.

 

BenefitStandardComprehensive
Emergency accommodation
  • Yes
  • Yes
Replacement of locks
  • $500
  • $1,000
Damage to trees, plants, or shrubs
  • $750
  • $1,500
Contents temporarily removed from your home
  • Yes
  • Yes
Moving to a new address in Australia - contents in transit
  • No
  • Yes
Outdoor contents
  • $4,000
  • $8,000
Food spoilage
  • $500
  • $1,000
Legal liability
  • Yes
  • Yes
Accidental damage
  • No
  • Yes
Removal of debris and trees
  • Yes
  • Yes
Discharge of mortgage costs
  • $1,000
  • $2,000
Temporary accommodation for your pets
  • $500
  • $1,000
Funeral expenses
  • $5,000
  • $10,000
Guests' contents
  • $500
  • $1,000
Documents replacement
  • $500
  • $1,000
Tools of trade
  • $1,000
  • $2,000
Portable valuables outside your home *
  • Yes
  • Yes
Electrical motor burnout *
  • $1,000
  • $2,000
* - optional benefits

What events will I be insured for?

Woolworths Home Insurance will provide cover for:

  • Fire and Explosion
  • Storm, Rainwater and Floods
  • Earthquake, Tsunami and Volcanic Eruptions
  • Lightning
  • Malicious Damage Including Vandalism
  • Theft
  • Riot, Industrial Unrest and Civil Commotion
  • Impact: If your home or assets get damaged by a falling branch, communication or power pole, vehicle, aircraft, watercraft, trailer, satellite dish or debris from space, it will be covered. This event also covers damage due to falling radio or TV aerial.
  • Bursting, leaks, discharge or overflow of liquids or water from taps and pipes
  • Accidental Glass Breakage: If you insure your home, you also will have cover for replacing window glass and other fixed glass, including shower screen, basins, baths and toilets.

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.

What other benefits does Woolworths home insurance offer?

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:

  • Electrical Motor Burnout: If the wiring of a domestic motor burns out or fuses due to an electrical current, it is defined as electrical motor burnout. If you take this optional benefit, Woolworths will pay for the cost of repairing or replacing the affected motor. It also covers the loss you incur due to spoilage of refrigerated or frozen food or when public electricity supply fails to reach your home.
  • Portable Valuables: You can get cover in two different forms. Group cover protects any number of portable valuables from the eligible list of items to a maximum value of $1,000 per item. Itemised cover protects items that exceed $1,000 in value each. Each item may be insured individually. Valuables that can be covered include:
  • Clothing
  • Jewellery
  • Watches
  • Contact lenses
  • Sunglasses
  • Prescription glasses
  • Electronic diaries
  • Calculators
  • Pocket computers
  • Portable radios
  • Video cameras
  • Other photographic equipment
  • Sporting equipment
  • Binoculars
  • Telescopes
  • Wheelchairs
  • Hearing aids
  • Mobility devices are covered for accidental loss or damage.

What exclusions are there?

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.

  • Cleaning, repairing, restoring, renovating or altering
  • Overwinding, mechanical or electrical breakdown, failure
  • Scratching or denting

The loss and damage of the following items also will not be covered:

  • Musical instrument or sporting equipment while in use
  • Using photographic equipment underwater
  • Items on display, sale, exhibition or consignment
  • CDs, DVDs, films and audio or visual tapes
  • Mobile phones, smartphones and car phones
  • Cash, credit cards, debits cards and all other negotiable documents and instruments
  • Stamp and coin collection
  • Artificial limbs, wigs, dentures and dental appliances
  • Professionally used musical instruments and musical accessories, like amplifiers
  • Tablets, fax machines, printers and portable laptops
  • Hobby equipment
  • Handheld computer games and toys
  • Camping equipment and accessories, including tents
The Portable Valuables benefit becomes void if the item broken is brittle in nature or the cause of loss or damage cannot be established.

How do I make a claim?

There are four simple and easy steps if you want to claim your Woolworths Home Insurance. These steps are as follows:

  • Step 1: Inform the Woolworths Claims Team about the claim. This can be done by dialing 1300 101 234, available 24 hours a day and 7 days a week. Give the details and you will be issued a claim number. The other option is to download the claim form, fill it out and email or fax it to Woolworths as quickly as possible.
  • Step 2: Your claim will be assessed by the Woolworths assessor. During this assessment, the damage of the building and/or contents will be assessed. Woolworths will then make arrangements for a quote or organise emergency repairs.
  • Step 3: Depending on the type of home insurance you have, the claim will be settled. It will be different for Building Insurance and Contents Insurance, and Woolworths will decide on the service provider who will repair the damage. In such cases, the excess would is paid directly to the service provider. If you opt against the repair or rebuilding, Woolworths will settle your claim.
  • Step 4: Once your claim is accepted, all payments will be made as per the terms and conditions of your home insurance policy.

Other questions you may have

Who is Woolworths?

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:

  • Travel insurance
  • Car insurance
  • Home insurance
  • Life insurance

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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24 Responses

  1. Default Gravatar
    belindaMay 21, 2018

    want house hold insurance

    Reply
    • Default Gravatar
      NikkiMay 21, 2018

      Hi Belinda,

      We’ve read your message, Thanks!

      Please note that we’re a product comparison website and we do not represent any company we feature on our site. We provide general information on products to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you. To apply for Woolworths Home Insurance, you may go directly to their website.

      You may also view this page to help you decide what type home insurance to get.

      Hope this was helpful.
      Cheers,
      Nikki

      Reply
  2. Default Gravatar
    RoyJanuary 29, 2017

    How good is Woolworths insurance regards claims and communications

    Reply
    • Avatarfinder Customer Care
      RichardJanuary 30, 2017Staff

      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 guide to home insurance claims.

      All the best,
      Richard

      Reply
  3. Default Gravatar
    ColleenSeptember 11, 2016

    I have a policy with you but cannot find it. Please email me privately so I may speak with you further. Thanks you

    Reply
    • Avatarfinder Customer Care
      RichardSeptember 12, 2016Staff

      Hi Colleen,

      Thanks for getting in touch. finder.com.au 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

      Reply
  4. Default Gravatar
    FleurMay 5, 2016

    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?

    Reply
    • Avatarfinder Customer Care
      RichardMay 9, 2016Staff

      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

      Reply
  5. Default Gravatar
    kayApril 9, 2016

    How long has Woolworths Home contents insurance existed?

    Reply
    • Avatarfinder Customer Care
      RichardApril 9, 2016Staff

      Hi Kay,

      Thanks for your question. Woolworths have been offering insurance products in Australia since 2011.

      I hope this was helpful,
      Richard

      Reply
  6. Default Gravatar
    DonMay 14, 2015

    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”

    Reply
    • Avatarfinder Customer Care
      RichardMay 15, 2015Staff

      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:

      • caused by gradual deterioration from rainwater
      • caused by water entering your building due to building alterations, renovations or additions
      • caused by water that has seeped or percolated into your building
      • caused to external paintwork if that is the only damage to that part of your building
      • to external shade cloth, shade sails, solar covers, textile awnings and textile blinds
      • to retaining walls, gates, fences, paths and driveways
      • to swimming pool covers, spa covers or plastic or vinyl swimming pool liners
      • 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.

      I hope this was helpful,
      Richard

      Reply
    • Default Gravatar
      JackJuly 15, 2015

      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.

      Reply
    • Avatarfinder Customer Care
      MauriceJuly 15, 2015Staff

      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

      Reply
  7. Default Gravatar
    traceyApril 27, 2015

    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

    Reply
    • Avatarfinder Customer Care
      RichardApril 28, 2015Staff

      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

      Reply
  8. Default Gravatar
    JacquelineApril 23, 2015

    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

    Reply
    • Avatarfinder Customer Care
      RichardApril 24, 2015Staff

      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

      Reply
  9. Default Gravatar
    DennisFebruary 2, 2015

    Does your insurance cover damage roof solar panels, switches and inverters.

    Many Thanks Dennis

    Reply
    • Avatarfinder Customer Care
      RichardFebruary 3, 2015Staff

      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

      Reply
  10. Default Gravatar
    GeorginaDecember 23, 2014

    Hi
    Can you please advise if your building and/or continents policies include replacement of hot water systems at end of life?
    Thanks

    Reply
    • Avatarfinder Customer Care
      RichardDecember 24, 2014Staff

      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

      Reply
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