Woolworths Building and Contents Insurance

Woolworths Building and Contents Insurance Review

It is easy to take for granted all the time, effort and money that has gone into turning a block of land, a collection of personal items, some walls and a roof, into a home. However, if it came down to having to replace and rebuild everything in your home because of damage or disaster, the costs would be almost insurmountable.

This is why it is so important to insure your biggest and one of your most valuable of assets. A house is more than just a roof over your head, it is a place to grow old in with your family and enjoy for years to come. It is where you and your loved ones can come together to make and relive memories. The value of your home as a whole is more than just the sum of its parts, which is why you need the right building and contents insurance.

finder.com.au does not currently have access to this home insurance brand. You may wish to compare options available on the home insurance homepage.

Benefits and Inclusions in Woolworths Building and Contents Insurance
The building covered by your Woolworths insurance extends to the construction of your home, including any outbuildings such as a garage. The contents covered in your insurance include household goods and personal belongings that are kept in your home not including:

  • Appliances
  • Plant life
  • Unset precious or semi-precious stones
  • Animals
  • Motorised vehicles such as caravans, trailers or motorbikes
  • Tools used in connection with a business.

There are various events that your Woolworths Building and Contents Insurance policy will protect you against. Below is a list of insured events and their specific inclusions and exclusions, which include:

  • Fire and explosion. Fire does not cover for loss or damage to a heat resistant item such as an iron, dryer, heater or cooking appliance if it has ignited. Where there is a fire with no flame, for example where scorch marks are caused by a cigarette burn or a radiator, you cannot claim for damage or loss. You are also not covered for a fire where the ignition was caused by any mineral spirit or flammable substance.
  • Storm, rainwater and flood. Storm, rainwater and flood cover do not protect you for damage to swimming pool covers, retaining walls, fences, pathways, external shade cloth or shade sails or textile awnings and blinds. You are also not covered if water enters your building as the result of renovations or alterations or for damage by water that has seeped into your building. Gradual damage from rainwater is not covered, nor is damage to external paintwork.
  • Earthquake, tsunami and volcanic eruption. Your home and contents are covered by Woolworths insurance in the event of damage caused by an earthquake, tsunami or volcanic eruption.
  • Lightning. You are also covered for loss or damage to your building and contents caused by lightning.
  • Malicious damage including vandalism. You are covered for loss or damage as the result of vandalism, unless the damage is caused by someone who lives in your home or is on your property with your consent, this includes tenants.
  • Theft. Your building and contents insurance covers you for loss or damage as the result of theft, unless the theft is by someone who lives in your home, someone there with your consent or by your tenants. You will also not be covered for theft that occurs while your home is not furnished for habitation or theft of items from a common or public area of the property.
  • Impact. You are covered by Woolworths Insurance for impact caused by a falling tree branch, debris falling from space, a motor vehicle or trailer, power or communication pole, an aircraft or watercraft, a satellite dish or from a television aerial that breaks or collapses. You are not insured for loss or damage from tree roots, tree felling or tree lopping on your property.
  • Riot. You are covered for loss or damage as the result of a riot, civil commotion or industrial unrest. You are not covered for loss or damage sustained after the first 72 hours
  • Bursting, leaking, discharge or overflow of water or liquid. This feature includes coverage for loss or damage as the result of bursting, leaking or overflow of pipes, taps, baths, hot water systems, toilets, dishwashers, washing machines, basins, refrigerators, air conditioners, roof gutters, rainwater downpipes, drainage and sewer systems or aquariums. Woolworths Insurance will also pay a benefit of up to $500 to search for the unknown source of a leak, if the water has caused damage to your building or contents.
  • Accidental glass breakage. Woolworths building and contents insurance covers the cost to replace building related items such as window glass, shower screens, other fixed glass, toilets, baths and basins. This feature also includes cover for contents such as mirrors and fixed glass within furniture.

Additional Benefits Included with Woolworths Building and Contents Insurance

In addition to cover for the sum insured for your building and contents, Woolworths Insurance also offer the following Additional Benefits as part of your building and contents insurance policy:

  • Legal liability. Provides you with up to $20 million for any one event where you face costs for being sued by another party for loss, damage or injury as the result of your negligence. You are covered for a benefit of up to $20 million for both your building insurance that offers homeowner’s liability and for up to $20 million under your contents insurance that protects you with personal liability insurance.
  • Accidental damage. If you have chosen the Standard Cover option in your building and contents insurance, this feature is not included. However, with the Comprehensive Cover option, you will be covered for the replacement cost of your building, and the replacement cost of contents that are insured against unintentional damage.
  • Removal of debris and fees. You have $10,000 of cover under your building insurance and $10,000 under your contents cover to pay for the reasonable costs associated with demolishing and removing any building debris, and any council fees, and costs to remove contents debris. This amount is $10,000 for standard insurance and $15,000 for comprehensive.

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17 Responses

  1. Default Gravatar
    NeilMarch 27, 2018

    I need to insure my house & contents for an extended unoccupied period

    • finder Customer Care
      MayMarch 27, 2018Staff

      Hi Neil,

      Thanks for your reaching out.

      If you are interested in getting home and contents insurance with Woolworths, please click on the green ‘Go to site’ button above so you can get more details about the level of cover they offer as well as the quote. Aside from Woolworths, you can compare other home and content insurance brands on this page.


  2. Default Gravatar
    RezaDecember 23, 2017

    I want to insure my building. Please call me

    • Default Gravatar
      ArnoldDecember 28, 2017

      Hi Reza,

      Thanks for your inquiry

      Please note that we do not represent Woolworths. It would be best for you to call them directly to enquire or you may click on the green ‘go to site’ button on the page above to be redirected to their page.

      Hope this information helps


  3. Default Gravatar
    FayAugust 23, 2017

    Can you provider the names of companies that provide home and content insurance for properties on 10 acres?

    • Default Gravatar
      DanielleAugust 24, 2017

      Hi Fay,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      You may refer to this page for options that may suit your needs. You may review and compare the offers available on the table. Once you have selected one, you may proceed by clicking the green “Go to Site” button.

      I hope this helps.


  4. Default Gravatar
    miaApril 27, 2017

    Which category are semi detached houses.
    Woolworth has town hoses, duplexes but no semi detached

    • finder Customer Care
      ZubairMay 1, 2017Staff

      Hi Mia,

      Thank you for your inquiry.

      You have contacted finder.com.au, a comparison and information service and not actually Woolworths Home Insurance.

      Woolworths Home Insurance does not state anything about semi detached houses in their product disclosure statement. You can contact Woolworths Home directly for further clarification on this matter.

      All the best,

  5. Default Gravatar
    RobertaJune 9, 2016

    Are glass solar panel on the roof covered by Woolworths Home and content Insurance?

    • finder Customer Care
      RichardJune 10, 2016Staff

      Hi Roberta,

      Thanks for you question. finder.com.au is a comparison service and not an insurer. There is no mention of solar panels in the Woolworths Home Insurance PDS. You may wish to contact Woolworths directly by calling 1300 10 1234.

      I hope this was helpful,

  6. Default Gravatar
    kevinApril 3, 2016

    does my policy have a domestic workers compensation
    cover, I am having a friend cut down a tree tomorrow and I don’t think he has any cover.

    • finder Customer Care
      RichardApril 4, 2016Staff

      Hi Kevin,

      Thanks for your question. finder.com.au is a comparison service and not a insurer. You should contact Woolworths directly, which you can do by calling 1300 10 1234 between 8am – 7pm (AEST) Monday to Friday and 9am – 5pm (AEST) Saturday and Sunday (except public holidays).

      I hope this was helpful,

  7. Default Gravatar
    PaulMarch 17, 2016

    What cover does this Policy provide for impact damage caused by vermin (rats mice possums)?

    • finder Customer Care
      RichardMarch 18, 2016Staff

      Hi Paul,

      Thanks for your question. According to the Woolworth Home and Contents product disclosure statement (PDS) you are not covered for any loss or damage caused by or resulting from, or the costs incurred from or of insects (including termites), birds, wildlife or vermin.

      I hope this was helpful,

  8. Default Gravatar
    lindaMarch 19, 2015

    do your home and contents insurance cover your home for bushfire

    • finder Customer Care
      RichardMarch 19, 2015Staff

      Hi Linda,

      Thanks for your question. Unfortunately, finder.com.au is a comparison service and not an insurer. Most household insurance policies cover you for bushfires. According to the Woolworths Building and Contents Insurance PDS, the only exclusion relating to bushfire is if the damage occurs within the first 72 hours of you owning the policy.

      I hope this was helpful,

    • Default Gravatar
      lindaMarch 19, 2015

      ok thanks

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