Home Insurance
Fixing a building when something’s gone wrong can be expensive, so it might be a good idea to get cover that’s right for you and protect your valuable asset. Youi is building insurance that’s a bit more you-shaped.. Mozo People’s Outstanding Customer Satisfaction Home Insurance award winner in 2024
- Main events covered
-
Fire -
Theft -
Storm -
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
n/a
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Up to $1,000, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $5,000 for funeral, up to $5,000 for injury
- Monthly payments cost extra
-
yes
- General contents
-
No
- Contents while moving
-
No
- Antiques and valuables
-
No
- Cash
-
No
- Cd dvd and electronic files
-
No
- Computer software and hardware
-
No
- Camera and accessories
-
No
- Carpets
-
No
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
No
- Personal medical equipment
-
No
- Replacement of documents
-
No
- Tools of trade
-
No
- Lock replacement
-
Up to $1,000
- Emergency storage
-
No
- Temporary accommodation
-
Up to 12 months, up to 12% of sum insured
- Temporary accommodation for pets
-
Up to 12 months, up to $3,000
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $1,000
- Demolition cost
-
Up to 20% of sum insured combined with debris removal and professional fee costs
- Debris removal
-
Up to 20% of sum insured combined with demolition and professional fee costs.
- Landscaping
-
No
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
Contents Insurance
Your contents might be some of the most precious things in your life, so consider getting cover that’s right for you, and protect the things that matter the most. Youi is contents insurance that’s a bit more you-shaped. Mozo People’s Outstanding Customer Satisfaction Home Insurance award winner in 2024
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
n/a
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Up to $1,000, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $5,000 for funeral, up to $5,000 for injury
- Monthly payments cost extra
-
yes
- General contents
-
Yes
- Contents while moving
-
Up to 20% of sum insured
- Antiques and valuables
-
Yes
- Cash
-
No
- Cd dvd and electronic files
-
Yes, excludes electronic files
- Computer software and hardware
-
Yes
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Yes
- Identity theft
-
No
- Jewellery
-
Optional Extra, select specific replacement value for each item of jewellery where the individual value is more than $15,000
- Personal medical equipment
-
Yes
- Replacement of documents
-
No
- Tools of trade
-
Optional Extra, up to $1,000 per item , up to $5,000 in total
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 10% sum insured.
- Temporary accommodation
-
Up to 12 months, up to 12% of sum insured
- Temporary accommodation for pets
-
Up to 12 months, up to $3,000
- Temporary repairs
-
No
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
No
- Debris removal
-
No
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
Home & Contents Insurance
Your home might be your most important asset, that’s why Youi like to get to know all about it right from the start. It helps Youi to help you consider the cover that could better suit you. Youi is home insurance that’s a bit more you-shaped. Mozo People’s Outstanding Customer Satisfaction Home Insurance award winner in 2024
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Up to $1,000, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $5,000 for funeral, up to $5,000 for injury
- Monthly payments cost extra
-
yes
- General contents
-
Yes
- Contents while moving
-
Up to 20% of sum insured
- Antiques and valuables
-
Yes
- Cash
-
No
- Cd dvd and electronic files
-
Yes, excludes electronic files
- Computer software and hardware
-
Yes
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Yes
- Identity theft
-
No
- Jewellery
-
Optional Extra, select specific replacement value for each item of jewellery where the individual value is more than $15,000
- Personal medical equipment
-
Yes
- Replacement of documents
-
No
- Tools of trade
-
Optional Extra, up to $1,000 per item , up to $5,000 in total
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 10% sum insured.
- Temporary accommodation
-
Up to 12 months, up to 12% of sum insured
- Temporary accommodation for pets
-
Up to 12 months, up to $3,000
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $1,000
- Demolition cost
-
Up to 20% of sum insured combined with debris removal and professional fee costs
- Debris removal
-
Up to 20% of sum insured combined with demolition and professional fee costs.
- Landscaping
-
No
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
Your selected home insurance
Youi home insurance ratings
Customer reviews
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NOT HAPPY
Received home insurance renewal which is 32% higher than last year .Been with them for years ,never made a claim. Complained about it and they would not change it.
-
Financial Scam - Avoid
I paid my monthly premiums for 10 years. When i finally made a claim due to water damage from a burst pipe, they advised that since the assessed damage exceeded $20k, claim would need to be reviewed by a "claim specialist". They then took 3 weeks before denying the claim on spurious grounds. Basically a financial scam where they take your premiums and when you finally need the insurance, they deny your claim. Great business model. Avoid these scam artists
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Useless waste of time and money
Second claim and second time wasted my time with no results, what’s the point of your cover then?
-
NOTHING COULD BE EASY THAN DEALIN WITH YOUI
YOUI ARE VERY EASY TO TALK TO AND EXCELLENT WHEN YOU PUT IN A CLAIM
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A rip off
Just received our home and contents insurance and we staggered beyond belief that the amount had increased by 26% in one year. We have been with Youi over 10 years and never made a claim. With inflation running at between 7 and 9% over the last 12 months, how can they justify such a large increase. This smacks of a money grab so they can increase their profits to pay exorbitant salaries to the Board Members, CEO and executives and all their advertisements on TV. Will be looking elsewhere for insurance.
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AVOID UNLESS you don’t claim and like 20% increase
Avoid. Poor service, damage property and then refuse renewal affecting your insurability for years. About to commence legal proceedings. Wish I had never heard of this company.
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Disgusting price increase would not recommend !!
I had both car & home/ content policy with youi, over the last year (2022-2023) the price has gone through the roof with no justified explanation, up by 32%. No changes in my situation & never made a claim. NO loyalty from youi NO loyalty from me!! I shopped around and found 4 other insurance companies much much cheaper.
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Avoid YOUI at all costs.
They use to be called YOUI - You Insured. They slipped to YOUI - You do it all for yourself - we don't help. Now I just call them YOUI the terrible. Their claims handling is non-existent. They do not inspect the repair work - so the results are shoddy. Then they accuse you of not performing routine maintenance. In this way they can deny your claim.
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Don't waste your time
Youi Insurance is such a joke. I sought quotes to insure my investment house for $414,000. Youi quoted $5,200 against Comminsure $1,630, Allianze about $1,900 and RACQ about $2,700. I now laugh every time I see a Youi advertisement on TV.
FAQs about Youi home insurance
Does Youi do home and contents insurance?
Yes, you can bundle Youi’s building and contents insurance policies into one home and contents insurance policy.
How to make a claim with Youi home insurance
To make a claim with Youi for damage or loss to your home or contents, call them on 139 684 or head to the Youi website.
If you’re making multiple claims, you will need to submit them individually and you’ll need to pay the relevant excess for each one.
What is the cooling-off period for Youi home insurance?
If you change your mind about your Youi home insurance policy, there’s a 20 day cooling-off period, starting from the policy start date, or your renewal date.
How to cancel Youi home insurance
You can cancel your Youi home insurance policy at any time. If you cancel within the cooling-off period, Youi will refund your premium in full and waive the $22 cancellation fee that applies to those who cancel after the cooling-off period.
More details about who pays a cancellation fee can be found in the Youi home and contents insurance PDS on the provider’s site.
To cancel your policy, call Youi on 139 684, or log in to your account on the Youi website and submit a cancellation request.
Does Youi home insurance cover termites?
Unfortunately, Youi home insurance does not cover damage caused by animals, including insects such as termites.
Does Youi cover hail damage?
Yes. Hail is covered under a Youi home insurance policy, as part of the storm damage benefit.
However, damage to your property caused by hail will not be covered if it entered your place through an open window or door, or an opening made for alterations, renovations, or repairs. If there’s a hole where the hail gets in due to another insured event, such as a storm damaged roof, then you may be covered. Check the policy’s PDS for full details.
Youi products
Home insurance quick links
* Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
^See information about the Mozo Experts Choice Home Insurance Awards