Youi home insurance review

Youi home insurance is slightly more expensive than the national average, but has a good range of benefits

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By

Gary Ross Hunter

Updated

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Youi Home Insurance

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Key takeaways

  • Youi home insurance is often slightly more expensive than average. It includes a good range of benefits.
  • Youi has high customer satisfaction with local call centres and tailored policy options.
  • A rare benefit provides up to $1,500 counselling per person after a claim. Some quotes require a call.
Advertiser disclosure
$200 $200 REWARD
Home and contents insurance Get $200 with Youi Home Insurance Ends 30 Jun 2026
$100 $100 REWARD
Home insurance Get $100 with Youi Home Insurance Ends 30 Jun 2026
$50 $50 REWARD
Contents insurance Get $50 with Youi Home Insurance Ends 30 Jun 2026

Our verdict

Pros

  • Youi has a high customer satisfaction rating, with local call centres and short wait times.
  • Purchase an eligible home insurance policy and receive up to a $200 gift card from Finder (ends June 30).
  • Youi offers a range of customisation options to tailor your policy to you.
  • Up to $1,500 per household member is offered for counselling after a claim, a rare benefit.

Cons

  • Sometimes, you have to call Youi to get a quote, you can't just request and buy online.
  • There's no discount if you buy online, a typical perk from other brands.
  • Some terminology is vague, including "reasonable costs" for home office damage.
ProviderAverage costApply
Youi logo$2,126.72
$1,241.44
AAMI Logo$1,125.97
NRMA logo$831.86
Allianz Logo$1,856.405

Methodology

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Our expert says

"I was looking for a cheap and fairly basic contents policy when I was moving. But I had a couple of pricey items I was worried might get damaged in the move. I took out a new policy with Youi and found the whole process quite simple. I was also able to call Youi and get a temporary extras cover on specific items just for the move. This was great for peace of mind and was very easy to sort out. Flexible, tailored cover is so important for insurance. And if the insurer makes it hard, it's time to switch."

Richard Whitten's headshot
Senior Money Editor

Compare Youi's home insurance policies

Finder Score Fire, Storm & Theft Damage Flood Escape of Liquid Accidental damage
9.1 Excellent
Optional
Our verdict: With a a range of options available, Youi Building and Contents Insurance is a great pick for homeowners who are after a policy that allows them to find cover to suit their needs.
$200$200$200 RewardT&Cs apply
T&Cs apply
Get a quote View details
Compare product selection
Youi Home Insurance logo
8.5 Great
Youi Building Insurance
8.5 Great
Optional
Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. If you want a more personalised quote over the phone, Youi’s a good choice.
$100$100$100 RewardT&Cs apply
T&Cs apply
Get a quote View details
Compare product selection
Youi Home Insurance logo
8.3 Great
Youi Contents Insurance
8.3 Great
Optional
Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. If you want a more personalised quote over the phone, Youi’s a good choice.
$50$50$50 RewardT&Cs apply
T&Cs apply
Get a quote View details
Compare product selection
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Finder Score - Home insurance

We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.

Read the full methodology

Finder Score - Home insurance

We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.

Read the full methodology

What additional cover options are available?

Youi offers some optional cover options to increase the strength of your policy. Remember, adding these will also increase the cost of your premium.

  • Contents accidental loss or damage - Cover for your belongings against accidental loss or damage, at or away from your home.
  • Buildings accidental damage - Cover your buildings against damage caused accidentaly.
  • Contents in commercial storage - Up to $20,000 to repair or replace items damaged while in commercial storage.
  • Business items - Up to $5,000 after excess to cover business tools lost or damaged in an insured event.

Youi home insurance claims process

You can make a claim with Youi home insurance online, 24/7. If you need help, you can call 139684 to speak with a claims specialist or request a callback.

FAQs

Compare other products from Youi

Sources

Gary Ross Hunter's headshot
Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 570 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
More resources on Finder

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4 Responses

    judith's avatar
    judithOctober 10, 2018

    I have been in touch with your office and I was directed to your website to read your statement following the very bad press you have sustained following the investigation currently underway.
    I have not been able to find such a statement . As a consumer f your products this disturbs me greatly.

      John Basanes's avatarFinder
      JohnOctober 12, 2018Finder

      Hi Judith,

      Thank you for reaching out.

      I understand the inconvenience this has caused you but you have reached finder which is a comparison website and not Youi. If you wish to contact Youi regarding your concern please call them at 1300 852 320 from Monday to Friday 05:00am – 06:30pm
      and Saturdays from 05:00am – 06:30pm. Hope this helps!

      Cheers,
      Reggie

    Lalith's avatar
    LalithMarch 30, 2018

    I need to get a landlord insurance for my investment property.

      Jhezelyn's avatarFinder
      JhezelynMarch 31, 2018Finder

      Hello Lalith,

      Thank you for your comment.

      For landlord insurance on investment property, please refer to the brands listed in the comparison table that you can get quotes from. You can press the “Get a quote” button to be redirected to the insurer’s website where you can get a quotation.

      Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      Regards,
      Jhezelyn

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