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 accommodation for cats and dogs ($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).
Both levels of the policy offer option extras (for a premium bump-up) such as 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.
| 60 | |
| 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 | |
| 10% off grocery shop once a month, up to $500, conditions apply. | |
| 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 | |
| No | |
| 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 (dogs and cats) | |
| 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 |
*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.
| 60 | |
| 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 | |
| 10% off grocery shop once a month, up to $500, conditions apply. | |
| n/a |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Yes | |
| Optional Extra, up to 10 years, up to $2,000 | |
| 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 | |
| No | |
| 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 (dogs and cats) | |
| 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 |
*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.
The 10% off your grocery shop every month pulled me in that’s for sure. And keeps me happy every month! I haven’t had to use them yet but this little incentive keeps me happy :)
Read full reviewThe 10% off your grocery shop every month pulled me in that’s for sure. And keeps me happy every month! I haven’t had to use them yet but this little incentive keeps me happy :)
I had excellent service when the fence blew down. It was quicker than I expected. Woolworths cover was cheap. My car insurance is with Woolworths too. When I rang for help for the car they arrived quickly with a tow truck. A very pleasing result in both cases.
Read full reviewI had excellent service when the fence blew down. It was quicker than I expected. Woolworths cover was cheap. My car insurance is with Woolworths too. When I rang for help for the car they arrived quickly with a tow truck. A very pleasing result in both cases.
We like they offer incentives by having their insurance. We made a claim and were happy with their handling of it.
Read full reviewWe like they offer incentives by having their insurance. We made a claim and were happy with their handling of it.
I absolutely love Woolworths Insurance, the ease of the online sign up, easy to navigate website, a lot of different options to suit every family/person. There’s even 10% of my monthly shopping, sometimes this equates to $150. I have called them to discuss extra cover and it was a breeze. I’m very happy with the customer service, both on the phone and on their website. It’s a fantastic product with great benefits.
Read full reviewI absolutely love Woolworths Insurance, the ease of the online sign up, easy to navigate website, a lot of different options to suit every family/person. There’s even 10% of my monthly shopping, sometimes this equates to $150. I have called them to discuss extra cover and it was a breeze. I’m very happy with the customer service, both on the phone and on their website. It’s a fantastic product with great benefits.
Everything is done online so it’s quick and easy and no waiting on the phone. I’ve had one claim for storm damage and they were quick to pay with no problem. Also you get 10% off your groceries once a month so if you do one big shop you can save a huge chunk of money.
Read full reviewEverything is done online so it’s quick and easy and no waiting on the phone. I’ve had one claim for storm damage and they were quick to pay with no problem. Also you get 10% off your groceries once a month so if you do one big shop you can save a huge chunk of money.