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Woolworths Building & Contents Insurance Insurance

The details shown below are for the Standard Cover

The details shown below are for the Comprehensive Cover

Choose the version of this product that suits you best

  • Standard Cover

  • Comprehensive Cover

Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Go to site
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Go to site

Mozo editorial review Woolworths Building & Contents Insurance Insurance

Last updated: 24 September 2020.

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What's hot
  • 2020 Mozo Experts Choice Award
What's not
  • No underinsurance protection
Mozo snapshot

If you’re after quality home insurance cover at an affordable price, the Woolworths Standard Home and Contents Insurance policy is certainly one policy to consider. After all, it was awarded a 2020 Mozo Experts Choice Award for Exceptional Value Home & Contents Insurance, making it one of the standout offers around.

You can snag up to 10% discount when you purchase a standalone Home and Contents policy online, plus get another 10% off if you opt for combined Woolworths Home and Contents policy online.



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Key features

You’ll be covered for a wide range of events with Woolies Standard Home and Contents insurance such as fire, theft, storm and flood plus the more unlikely ones like earthquake and lightning. The policy also includes cover for accidental breakage to glass but not on general home fixtures and contents, so if you do want this cover, you’ll need to take out the Comprehensive policy instead.  

In addition to the building structure, your building cover will include any fences and gates up to the sum insured as well as up to $750 for landscaping. There’s up to $500 for replacement locks, and should you not be able to stay in your property, the policy includes up to $500 for temporary pet accommodation as well as emergency accommodation for yourself. Should you need it, you’ll also get cover for temporary accommodation for 10% of the sum insured up to 12 months.

With the contents cover, there are some per item caps on things like cds and dvds, handwoven carpets, jewellery and antiques (up to $1000 per item) up to $2500 in total. Contents of any home office will be covered up to $5000 and outdoor contents has a cap of $4000. If you want to insure camera equipment, or personal medical equipment this is an optional extra. If your home has a blackout or the fridge packs it in you’ll also be covered for $500 worth of food spoilage. There are many more features, and some exclusions with this policy so be sure that you read the PDS to ensure that it will meet your needs before you sign up.

There are also currently discounts up for grabs with the Woolworths Contents insurance policy such as a 10% discount when you purchase a standalone Home and Contents policy online, plus an extra 10% off when you opt for a combined Woolworths Home and Contents policy online. Just be sure to read the T&Cs.



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Who is it good for

Woolworths Standard Home and Contents Insurance is a good option for budget conscious homeowners who want quality cover without a high price tag. 

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Any catches

You can choose your excess level to help reduce your premium but just be mindful that there is no underinsurance protection with this policy. This means that you should stay on top of the value of your home and your belongings so that the sum insured matches the market rate and if something was to go wrong you’ll be able to replace items or rebuild to the same standard.  

Details

Rates and fees information correct as at 25 October 2020. 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
  • 90

  • No

  • Yes

  • $100

  • true

  • n/a

  • Up to 20% discount for online applications, applicable first year only.

  • Yes

  • Optional Extra, up to $1,000 per item

  • Up to $1,000 per item, up to $4,000 in total

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • No

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Optional Extra, up to 10 years, up to $1,000

  • No

  • Yes

  • Yes

  • No

  • Yes

  • Yes

  • Yes

  • Yes

Buildings
  • Yes

  • Yes

  • Up to $750 for plants

  • Up to sum insured

Contents
  • Up to $250

  • No

  • Up to $1,000 per item, up to $2,500 in total

  • Yes, hardware. Software, up to $1,000 per item/collection, up to $2,500 total.

  • Yes

  • Yes

  • Up to $1,000 per item, up to $2,500 in total

  • Up to $1,000 per item or collection, up to $2,500 in total

  • Up to $1,000 per item or collection, up to $2,500 in total

  • No

  • Up to $500

  • No

  • Yes

  • Up to $1,000

  • No

  • Up to $5,000

Other cover
  • Up to $5,000 for funeral

  • No

  • Up to $500

  • Up to 12 months, up to 10% of sum insured

  • Up to $500

  • Yes

  • Up to $10,000 combined with demolition cost

  • Up to $10,000 combined with debris removal cost

  • No

  • Up to 14 days for contents

  • No

*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).

Details

Rates and fees information correct as at 25 October 2020. 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
  • 90

  • No

  • Yes

  • $100

  • true

  • n/a

  • Up to 20% discount for online applications, applicable first year only.

  • Yes

  • Optional Extra, up to $1,000 per item

  • Up to $2,000 per item, up to $8,000 in total

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Optional Extra, up to 10 years, up to $1,000

  • No

  • Yes

  • Yes

  • No

  • Yes

  • Yes

  • Yes

  • Yes

Buildings
  • Yes

  • Yes

  • Up to $1,500 for plants

  • Up to sum insured

Contents
  • Up to $500

  • No

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

  • Yes, hardware. Software, up to $1,000 per item/collection up to $5,000 total.

  • Yes

  • Yes

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

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

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

  • No

  • Up to $1,000

  • No

  • Yes

  • Up to $2,000

  • No

  • Up to $10,000

Other cover
  • Up to $10,000 for funeral

  • No

  • Up to $1,000

  • Up to 12 months, up to 10% of sum insured

  • Up to $1,000

  • Yes

  • Up to $15,000 combined with demolition cost

  • Up to $15,000 combined with debris removal cost

  • No

  • Up to 14 days for contents

  • Up to 20% of sum insured

*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 Woolworths home insurance rated by the Mozo community?

Overall
7.8/10
Value for money
8.1/10
Policy coverage
7.7/10
Customer service
7.4/10
Claims handling
6.7/10
Trust
7.3/10

Latest reviews of Woolworths Building & Contents Insurance Insurance

  • Overall 9/10
    Weather warnings and discounts keep me renewing.

    I love that they inform me of any severe weather warnings in my area. Also like the monthly discount on groceries.

    Read full review

    I love that they inform me of any severe weather warnings in my area. Also like the monthly discount on groceries.

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    9/10
    Claims handling
    -1/10
    Trust
    8/10
    Less
    Stacey, New South Wales reviewed 3 days ago
  • Overall 9/10
    Nice to deal with.

    Nice to deal with and competitive pricing.

    Read full review

    Nice to deal with and competitive pricing.

    Value for money
    9/10
    Policy coverage
    9/10
    Customer service
    9/10
    Claims handling
    10/10
    Trust
    9/10
    Less
    Adam, New South Wales reviewed 13 days ago
  • Overall 10/10
    Great value for money.

    Extremely easy to use, cheap and competitive.

    Read full review

    Extremely easy to use, cheap and competitive.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    7/10
    Claims handling
    -1/10
    Trust
    10/10
    Less
    Gareth, Queensland reviewed about 1 month ago
  • Overall 8/10
    Competitive premiums.

    You have to ring around to get the best insurance. I have to ring Woolworths every year to get the best price. It is a fight to get the best price but Woolworths listens in the end.

    Read full review

    You have to ring around to get the best insurance. I have to ring Woolworths every year to get the best price. It is a fight to get the best price but Woolworths listens in the end.

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    7/10
    Claims handling
    -1/10
    Trust
    8/10
    Less
    Catherine, Queensland reviewed 11 months ago
  • Overall 10/10
    Competitive premiums and good customer service

    I was really impressed by the customer service I received.

    Read full review

    I was really impressed by the customer service I received.

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -
    Less
    Bridget, Western Australia reviewed over 3 years ago
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