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Ozicare Home & Contents Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Optional Extra
Storm
Yes
Building cover
Contents cover
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Mozo editorial review Ozicare Home & Contents Insurance - last updated: 27 January 2021

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What's hot
  • 30% discount when you buy online
  • New for old replacement
What's not
  • Extra fee for monthly payments
Mozo snapshot

Ozicare Home and Contents Insurance provides extensive cover against fire, storms, theft and more. If you buy online, you’ll be treated to a 30% discount, and if you change your mind within 21 days of purchasing the policy, you can cancel at no charge, so long as you haven’t made a claim in that time.

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Key features

The list of events Ozicare Home and Contents Insurance covers runs quite long, and includes fire, lightning, storm, earthquake, theft, vandalism and more. While there is limited cover for accidental damage to glass, ceramics or sanitary fixtures as part of the base policy, additional cover can be purchased for other home items. 

If you live in a flood-prone area, you’ll be glad to know that flood cover is available as an optional extra. Unfortunately, this won’t cover damage caused to garden retaining walls, garden borders, driveways, paths, pavers or gardens.

Cash, cheques, gift cards are insured for up to $800. As for your various valuables, handwoven carpets are insured for up to $2,000 per item, artworks are insured for up to $5,000 per item, and jewellery is insured for up to $1,000 per item, or $5,000 in total.

One major plus is the new for old replacement of lost or damaged belongings, meaning that even if a particular item was on its last legs, Ozicare will get you a brand new one.

And if death, injury, or damage to another person’s belongings occurs on your premises, Ozicare will cover your legal liability up to $20 million. If an insured event results in your own death, Ozicare will contribute up to $7,000 to the cost of the funeral, so long as a claim has been made for loss or damage to your home or contents by the same event.

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Who is it good for

Ozicare Home and Contents is good for homeowners who need cover for both building and contents, as they'll be able to take advantage of the 30% discount.

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Any catches

If you’re considering signing up for Ozicare Home and Contents Insurance, you should read over the PDS carefully for an idea of the policy’s limits. For example, if your claim has to do with damage caused by storms, you should be aware that you won’t be covered if it turns out a design fault, structural defect or faulty workmanship was to blame.

Details

Rates and fees information correct as at 24 September 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.
Policy and service features

60

Optional Extra - Up to 25% of buildings sum insured

Yes

$100

true

n/a

30%

Yes

Up to 90 days, up to 20% of sum insured

Up to $1,000

Up to $20,000,000

n/a

n/a

Events

Optional Extra

Yes

Yes

Yes

Yes

Optional Extra

Yes

Optional Extra, up to 10 years old

No

Yes

Yes

No

Yes

Yes

Yes

Yes

Buildings

Yes

Up to $1,000

No

Yes

Contents

Up to $800 in total

No

Up to $3,000 combined with computer software

Hardware yes, software up to $3,000 combined with CDs/DVDs

Yes

Yes

Up to $2,500 per item

Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections

Up to $1,000 per item, up to $5,000 in total

No

No

No

Yes

Up to $2,000

No

Up to $12,000

Other cover

Up to $7,000 for funeral

No

Up to $1,000

Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.

Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation.

Up to 10% of sum insured combined with debris removal cost and demolition cost

Up to 10% of sum insured combined with demolition cost and emergency storage cost

Up to 10% of sum insured combined with debris removal cost and emergency storage cost

Up to 10% of sum insured

Up to 14 days for contents

Up to 20% of sum insured

*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.

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