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Woolworths Building & Contents Insurance Insurance

Advertiser disclosure

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: 12 February 2021.

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What's hot
  • 2020 Mozo Experts Choice Award
  • Emergency accommodation cover
  • Storm and flood damage covered
What's not
  • No underinsurance protection
Mozo snapshot

If you’re after quality home insurance cover at an affordable price, the Woolworths 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 choose from two levels of coverage – Standard and Comprehensive – for a more tailored policy.

With both options, you can snag up to 10% discount when you purchase your policy online, plus get another 10% off when you combine the home and contents cover.


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Key features

You’ll be covered for a wide range of events with both levels of Woolies Home and Contents insurance such as fire, theft, storm and floods, plus the more unlikely ones like earthquake and tsunamis and riots. The Standard 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 ($1,500 with Comprehensive). There’s up to $500 for replacement locks ($1,000 with Comprehensive), and should you not be able to stay in your property, the policy includes up to $500 for temporary pet accommodation ($1,000 with Comprehensive) as well as emergency accommodation for yourself. This is for the lesser of 10% of the sum insured or 12 months across Standard and Comprehensive policies.

With the contents cover, there are some per item caps on things like cds and dvds, handwoven carpets, jewellery and antiques so be sure to check you PDS for details. Contents of any home office will be covered up to $5,000 ($10,000 with Comprehensive) and outdoor contents has a cap of $4,000 ($8,000 with Comprehensive). 

If you want to insure camera equipment, or personal medical equipment this is an optional extra, as is cover for portable valuables which you regularly take outside your home and motor burn-out. 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 discounts up for grabs with the Woolworths Home and Contents policy, such as a 10% discount on the first year of coverage when you purchase your policy online, plus another 10% off for the life of the policy off simply for choosing the combined home and contents option.



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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, while the Comprehensive option gives you that extra slice of insurance reassurance.

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Any catches

Be mindful that there is no underinsurance protection with this policy. It's important to know the value of your home and 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 your home.  

Details

Rates and fees information correct as at 4 March 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
  • 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 4 March 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
  • 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
7.7/10
Value for money
8.0/10
Policy coverage
7.5/10
Customer service
7.3/10
Claims handling
6.5/10
Trust
7.1/10

Latest reviews of Woolworths Building & Contents Insurance Insurance

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