Building Insurance
- Main events covered
-
Fire -
Theft -
Storm -
FloodOptional Extra
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- Monthly payments cost extra
-
no
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Optional Extra
- New for old
- Yes
- General contents
- No
- Cash
- No
- Cd dvd and electronic files
- No
- Computer software hardware
- No
- Camera and accessories
- No
- Carpets
- No
- Antiques and valuables
- No
- Jewellery
- No
- Replacement of documents
- No
- Tools of trade
- No
- Contents while moving
- No
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured
- Debris removal
- Up to 10% of sum insured combined with demolition cost
- Demolition cost
- Up to 10% of sum insured combined with debris removal cost
- Accidental loss and damage
- Optional Extra
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- Yes
- Building materials
- No
- Landscaping
- Up to $5,000 for plants
- Gates and fences
- Yes
Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
FloodOptional Extra
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- Monthly payments cost extra
-
no
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Optional Extra
- New for old
- Yes
- General contents
- Yes
- Cash
- Up to $2,000
- Cd dvd and electronic files
- Yes. Up to $2,000 in total for electronic files
- Computer software hardware
- Yes. Up to $1,500 for portable computers
- Camera and accessories
- Up to $7,500 per item, set or collection
- Carpets
- Yes
- Antiques and valuables
- Up to $7,500 per item, set or collection
- Jewellery
- Up to $2,500 per item, set or collection
- Replacement of documents
- Up to $7,500 per item, set or collection
- Tools of trade
- Up to $1,500 per item, up to $10,000 in total
- Contents while moving
- Optional Extra
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured
- Debris removal
- Up to 10% of sum insured
- Demolition cost
- No
- Accidental loss and damage
- Optional Extra
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- No
- Building materials
- No
- Landscaping
- No
- Gates and fences
- No
Building & Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
FloodOptional Extra
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- Monthly payments cost extra
-
no
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Optional Extra
- New for old
- Yes
- General contents
- Yes
- Cash
- Up to $2,000
- Cd dvd and electronic files
- Yes. Up to $2,000 in total for electronic files
- Computer software hardware
- Yes. Up to $1,500 for portable computers
- Camera and accessories
- Up to $7,500 per item, set or collection
- Carpets
- Yes
- Antiques and valuables
- Up to $7,500 per item, set or collection
- Jewellery
- Up to $2,500 per item, set or collection
- Replacement of documents
- Up to $7,500 per item, set or collection
- Tools of trade
- Up to $1,500 per item, up to $10,000 in total
- Contents while moving
- Optional Extra
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured
- Debris removal
- Up to 10% of sum insured combined with demolition cost
- Demolition cost
- Up to 10% of sum insured combined with debris removal cost
- Accidental loss and damage
- Optional Extra
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- Yes
- Building materials
- No
- Landscaping
- Up to $5,000 for plants
- Gates and fences
- Yes
Your selected home insurance
National Seniors home insurance ratings
Customer reviews
-
Heavy premium increase unexplained and unnecessary
For many years a good experience, although no claims history. 2023 policy renewal presented, without explanation, a 2/3rds increase in basic premium without explanation. Call to company offered the recent floods experience as the reason, although there have been no floods here and my flood risk is no higher than before. They offered to remove flood cover as a way to reduce premium, which seems to me a total avoidance of their commercial responsibilities to customers, As the premium had reached almost unaffordable levels, I shopped around and found another insurer who offered a MAJOR reduction even on last year's premium.
National Seniors products
Home insurance quick links
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