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Woolworths Home Insurance
Need to protect what matters most? Woolworths Home Insurance could have the policy you need.
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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.
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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
| 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 |
Contents Insurance
- Fire
- Storm
- Industrial unrest
- Damage due to impact
- Vandalism
- Earthquake
- Burst pipes
- Flood and rainwater
| 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 | ||
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
| 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 | ||
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.
- Escape of liquids, such as sudden bursting of 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
- 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
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
- Pet 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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Ask an Expert
want house hold insurance
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
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 guide to home insurance claims.
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.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
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