Building Insurance
- Main events covered
-
Fire -
Theft -
Storm -
FloodOptional Extra
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- 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
-
Optional Extra, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
no
- 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 10% of sum insured
- Temporary accommodation for pets
-
Up to $500
- Temporary repairs
-
No
- Buildings and structural improvements
-
Yes
- Building materials
-
No
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% of sum insured combined with demolition cost
- Landscaping
-
Up to $5,000 for plants
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
FloodOptional Extra
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- 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
-
Optional Extra, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
Optional Extra
- Antiques and valuables
-
Up to $7,500 per item, set or collection
- Cash
-
Up to $2,000
- Cd dvd and electronic files
-
Yes. Up to $2,000 in total for electronic files
- Computer software and hardware
-
Yes. Up to $1,500 for portable computers
- Camera and accessories
-
Up to $7,500 per item, set or collection
- Carpets
-
Yes
- Home office contents
-
Up to $1,500 per item, up to $10,000 in total
- Identity theft
-
No
- Jewellery
-
Up to $2,500 per item, set or collection
- Personal medical equipment
-
Yes
- 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
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 12 months
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured
- Temporary accommodation for pets
-
Up to $500
- Temporary repairs
-
No
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
No
- Debris removal
-
Up to 10% of sum insured
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
Building & Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
FloodOptional Extra
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- 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
-
Optional Extra, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
Optional Extra
- Antiques and valuables
-
Up to $7,500 per item, set or collection
- Cash
-
Up to $2,000
- Cd dvd and electronic files
-
Yes. Up to $2,000 in total for electronic files
- Computer software and hardware
-
Yes. Up to $1,500 for portable computers
- Camera and accessories
-
Up to $7,500 per item, set or collection
- Carpets
-
Yes
- Home office contents
-
Up to $1,500 per item, up to $10,000 in total
- Identity theft
-
No
- Jewellery
-
Up to $2,500 per item, set or collection
- Personal medical equipment
-
Yes
- 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
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 12 months
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured
- Temporary accommodation for pets
-
Up to $500
- Temporary repairs
-
No
- Buildings and structural improvements
-
Yes
- Building materials
-
No
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% of sum insured combined with demolition cost
- Landscaping
-
Up to $5,000 for plants
- 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
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
* 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