Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
n/a

Mozo editorial review Australia Post Home Insurance - last updated: 24 March 2021

binocular icon
What's hot
  • Flood cover included
  • Temporary accommodation cover
  • Optional extra - underinsurance safety net
What's not
  • Excludes cover for trees, plants and shrubs
Mozo snapshot

Australia Post doesn’t just deliver mail to your home anymore, now it also provides protection for it! That’s right Australia’s main delivery service offers insurance too. Plus with flood cover included as standard and the option to add a 30% underinsurance safety guard to your policy, it certainly has a lot to offer.

key icon
Key features

When it comes to protecting the bricks and mortar of your home, Australia Post has you covered. With this home building insurance, you’ll be covered for events including fire (including bushfire), explosions, theft, vandalism and even flooding. This is particularly notable as often flood cover is only available as an optional extra with home insurance.

If your home is damaged as a result of an insured event, some ways Australia Post will help you out are:

  • By carrying out essential repairs

  • By covering temporary accommodation costs and animal boarding

  • By covering rebuilding costs, including the removal of debris

  • By covering costs for forced evacuation.

Australia Post will pay up to 24 months worth of reasonable costs, or up to 20% of your sum insured for temporary accommodation costs, combined with temporary accommodation costs for pets. Whichever works out less. The policy will also cover you for up to $500 worth of emergency services costs.

As well as all this, Australia Post also offers underinsurance protection as an optional extra. With this Australia Post will pay up to 30% more than your sum insured if it is discovered that your property was undervalued.

Finally, it’s worth noting that limits do apply to all of these cover types. Plus, there are some exclusions to take into account. For example, trees, shrubs and plants are not covered and neither are veterinary expenses.

snapshot
Who is it good for

This policy would be suited to someone who is worried about being underinsured. Underinsurance happens all too often in Australia, so if you want to protect yourself from it, this might be the insurance plan for you.

question icon
Any catches

Limits apply to cover, as such we would definitely recommend reading the full PDS first before you sign on the dotted line. There are also some exclusions including plants, credit card fraud and veterinary expenses.

Details

Rates and fees information correct as at 19 October 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Buildings

Yes

Up to $2,000

Yes - pathways

Yes

Events

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Yes, up to 10 years old

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Policy and service features

90

Optional Extra - Up to 30% of building sum insured

Yes

$100

true

no

10% online discount

Yes

Up to $30,000,000

none

none

Other cover

No

Up to $2,500

Up to 24 months, up to 20% of sum insured combined with temporary accommodation for pets

Up to 20% of sum insured, or up to 24 months from time of incident. Combined with temporary accommodation.

Yes

Yes

Yes

*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.

Customer Reviews

How are Australia Post home insurance rated by the Mozo community?

Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

About Australia Post