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
| Name | |
|---|---|
| | Standard Cover |
| | Comprehensive Cover |
Standard Cover
Comprehensive Cover
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.
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.
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.
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.
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
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
Yes
Yes
Up to $750 for plants
Up to sum insured
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
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).
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
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
Yes
Yes
Up to $1,500 for plants
Up to sum insured
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
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).
I guess when I first signed up to Woolworths online I was okay. Until a few months later. Woolworths ripped me off - $150 out of my bank account with no permission! Not happy at all.
Read full reviewI guess when I first signed up to Woolworths online I was okay. Until a few months later. Woolworths ripped me off - $150 out of my bank account with no permission! Not happy at all.
Easy to deal with.
Read full reviewEasy to deal with.
I love that they inform me of any severe weather warnings in my area. Also like the monthly discount on groceries.
Read full reviewI love that they inform me of any severe weather warnings in my area. Also like the monthly discount on groceries.
Nice to deal with and competitive pricing.
Read full reviewNice to deal with and competitive pricing.
Extremely easy to use, cheap and competitive.
Read full reviewExtremely easy to use, cheap and competitive.
