Youi Home Insurance
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Youi home insurance review

Youi home insurance is good if you want a policy that’s tailored to your circumstances, less so if you want a quick online quote.

4.1 ★★★★★ (63 reviews) Write a review

Pros

  • Youi offers tailored cover specific to your needs. That's good if you want peace of mind, but not if you're just looking to get a quick quote online like you can with other insurers.
  • It's won a bunch of customer service awards, making it a good option if you want friendly, personalised service.

Cons

  • It doesn't offer a sum insured safety net. That means if you don't value your home at the right price, you might be underinsured.

Want to compare Youi home insurance policies?

Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Best Rated Brand
Youi Building and Contents Insurance
Annually
Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. It’s good if you want a tailored quote over the phone.
Best Rated Brand
Youi Building Insurance
Annually
Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. It’s good if you want a tailored quote over the phone.
Best Rated Brand
Youi Contents Insurance
Annually
Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. It’s good if you want a tailored quote over the phone.
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Congratulations, Youi!

Youi received the following awards in the 2023 Customer Satisfaction Awards:

  • 'Home Insurance - National' - Winner
  • 'Home Insurance - VIC' - Winner
  • 'Home Insurance - QLD' - Winner
  • 'Home Insurance - SA' - Highly Commended
Full list of 2023 winners

Youi home insurance policy options

Youi provides combined home and contents, building insurance, contents insurance, and landlord insurance. These policies can cover you for the following events:

All policies require you to pay an excess with a cooling off period of 20 days. You can cancel your policy within this timeframe and get a full refund but only if you haven't made a claim.

Youi home insurance features

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Standard features

Youi home insurance comes with a lot of features included as standard. This includes:

  • Temporary accommodation: emergency evacuation
  • Building modifications
  • Funeral expenses
  • Accidental broken glass and ceramics
  • Locks and keys
  • Burnout of electric motors
  • Uninstalled buildings fixtures, fittings and materials
  • Sporting awards

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Optional add-ons

Youi is quite good for flexibility offering lots of add-ons including:

  • Pet injury
  • Business items
  • Contents in storage
  • Accidental loss or damage

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Exclusions

Here are some general exclusions that you will not be covered for with a Youi policy:

  • Illegal property or items
  • Faulty design, materials or workmanship
  • Wear and tear, rust or rising damp
  • Illegal activity
  • Intentional or deliberate acts or omissions
  • Damage that existed prior to you taking out a policy

This isn't an extensive list of Youi's general exclusions. You can find them on its PDS.

Youi home insurance complaints

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2022 and June 2023. The data explores different underwriters and compares their business size to the number of complaints processed.

When comparing insurers, keep in mind that those with a larger market share serve more customers so can potentially get more complaints. Here's an overview of how Youi stacked up against other insurers.

  • Youi Pty Ltd only had 304 complaints, significantly less than other similar-sized insurers, suggesting its customer service is strong.
  • While it did get more complaints, The Hollard Insurance Company Pty Ltd was able to resolve a larger proportion directly with its customer, which means it could be better for its customer service.

Bottom line about Youi home insurance

Youi home insurance is ideal if you want a policy that's tailored to your home and your needs. However, it's not great if you just want to buy a policy quickly and it doesn't offer a sum insured safety net.

You can compare Youi policies side-by-side with other insurers if you're not yet ready to take out home insurance.

I want Youi Home Insurance

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We've researched and rated dozens of policies as part of our Finder Awards. We provide unique insights and our in-house experts regularly appear on Sunrise, 7News and SBS News.
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Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.
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We're here to help

Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Frequently asked questions about Youi home insurance

A note about Youi home insurance reviews

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

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4 Responses

    Default Gravatar
    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.

      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

    Default Gravatar
    LalithMarch 30, 2018

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

      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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