⚡️⚡️⚡️
With energy prices rising, switch to a cheaper plan
💡
Compare Prices Now
⚡️⚡️⚡️

Woolworths Home Insurance

Woolworths Home Insurance is one of the only insurers to cover accidental damage with its comprehensive policy.

4.0 ★★★★★ (49 reviews) Write a review

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Our Verdict

  • It's good if you want a more personalised home insurance policy. Woolworths offers standard and comprehensive levels of cover, so you can choose what suits your budget.
  • Woolworths Insurance customers can receive 10% off their groceries once a month.
  • One of the only insurers to cover accidental damage automatically.
  • If personalising your cover, you really have to take care to choose the right amount of cover so you don't leave yourself underinsured.
Deal

Save up to 20% on combined home & contents insurance

Receive up to 20% off your Woolworths home and contents policy when you purchase online. T&Cs apply.

Compare Woolworths home insurance policies in a few clicks

Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Woolworths Comprehensive Building and Contents
Annually
Save up to 20% when you buy a Woolworths Home and Contents insurance policy online. Plus, Everyday Rewards Members will save 10% on their monthly shop. T&Cs apply.
Woolworths Standard Building and Contents
Annually
Save up to 20% when you buy a Woolworths Home and Contents insurance policy online. Plus, Everyday Rewards Members will save 10% on their monthly shop. T&Cs apply.
Woolworths Comprehensive Building Insurance
Annually
Save up to 10% when you buy a Woolworths Building insurance policy online. Plus, Everyday Rewards Members will save 10% on their monthly shop. T&Cs apply.
Woolworths Standard Building Insurance
Annually
Save up to 10% when you buy a Woolworths Building insurance policy online. Plus, Everyday Rewards Members will save 10% on their monthly shop. T&Cs apply.
Woolworths Comprehensive Contents Insurance
Annually
Save up to 10% when you buy a Woolworths Contents insurance policy online. Plus, Everyday Rewards Members will save 10% on their monthly shop. T&Cs apply.
Woolworths Standard Contents Insurance
Annually
Save up to 10% when you buy a Woolworths Contents insurance policy online. Plus, Everyday Rewards Members will save 10% on their monthly shop. T&Cs apply.
loading

Compare up to 4 providers

What does Woolworths Home Insurance offer?

Woolworths offers 3 types of home insurance: building insurance, contents insurance, and a building and contents insurance policy. After choosing your policy type, you can also select your level of cover from either standard or comprehensive. This is handy if flexibility is important to you and it's a feature that's not very common in Australian home insurance.

On top of that, Woolworths also offers cover for landlords as well.

These policies are designed to cover events that can cause damage to your home. Here are some examples:

Woolworths Home Insurance (AR No. 245476) is backed by The Hollard Insurance Company Pty Ltd. – a popular insurance underwriter in Australia. Woolworths offers a few different levels of excesses so that you can choose an amount that you're happy with. On top of that, it has a 14-day cooling off period which is a little bit under industry standards.

Let's break down Woolworths Home Insurance

Check icon

Standard features

If an insured event happens and damages your home, here are some standard features that you can claim on with a Woolworths Home Insurance policy (it may vary based on what type of policy you choose):
  • Removal of trees and debris
  • Accidental damage
  • Professional and rebuilding fees
  • Emergency accommodation
  • Contents in your home office
  • Emergency storage of contents
  • Replacement of locks
  • Food spoilage
  • Document replacement

plus icon

Optional add-ons

Here are the optional benefits that you can choose to tailor your policy. Just keep in mind that it will likely increase the cost of your policy.
  • Electrical motor burnout
  • Portable valuables

cross icon

Exclusions

These are some things a Woolworths Home Insurance policy will not cover you for. Check out the Woolworths Product Disclosure Statement (PDS) for a full list of the exclusions.

  • Bushfires, storm, rainwater or flood damage that happens within 72 hours of buying your policy
  • Damage to a home that has been unoccupied for more than 60 consecutive days
  • General wear and tear
  • Damage from vermin, insects, birds and wildlife
  • Earth movements like erosion, landslides and mudslides
  • Mould
  • Deliberate damage by you or other people invited to your home
  • Tree roots

Make sure you read Woolworths PDS for a more detailed breakdown of exclusions. You can also head to general exclusions for more information.

Let's review Woolworths Home Insurance complaints

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2020 and June 2021. The data breaks down different underwriters and compares their business size to the number of complaints processed.

When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.

Here's an overview of how Woolworths (The Hollard Insurance Company) did:

  • It's a highlight to mention that Hollard has been able to resolve a relatively high percentage of its complaints directly with customers, without having to escalate them to AFCA.
    • Hollard is considered a large-sized firm, which means it's reasonable to expect a high number of complaints. However, its volume of complaints is more on par with insurers in the very-large category.

    The bottom line about Woolworths Home Insurance

    Woolworths Home Insurance is good if flexibility and customisation is important to you. Not only does it offer standard and comprehensive policies, but you can also choose the level of excess you feel comfortable with.

    Not sure yet? You can compare other home insurance brands side-by-side so that you end up with a policy you're happy with.

    Frequently asked questions

    Leave a Woolworths Home Insurance review

    If you've held, or currently hold, a Woolworths Home Insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Woolworths is right for them. Some reviews are from a survey commissioned by Finder.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

24 Responses

  1. Default Gravatar
    belindaMay 21, 2018

    want house hold insurance

    • Default Gravatar
      NikkiMay 21, 2018

      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

  2. Default Gravatar
    RoyJanuary 29, 2017

    How good is Woolworths insurance regards claims and communications

    • 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 home insurance claims guide.

      All the best,
      Richard

  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

    • Avatarfinder Customer Care
      RichardSeptember 12, 2016Staff

      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

  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?

    • 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

  5. Default Gravatar
    kayApril 9, 2016

    How long has Woolworths Home contents insurance existed?

    • 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

Go to site