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.

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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.

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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.

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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.

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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 17 April 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

  • 15% 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

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Customer Reviews

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

Overall
10.0/10
Value for money
8.5/10
Policy coverage
9.0/10
Customer service
9.5/10
Claims handling
9.5/10
Trust
10.0/10
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About Australia Post

See Australia Post home insurance