The details shown below are for the Standard Cover
The details shown below are for the Comprehensive Cover
Choose the version of this loan 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 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.
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.
Woolworths Standard Home and Contents Insurance is a good option for budget conscious homeowners who want quality cover without a high price tag.
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.
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
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
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.
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 reviewYou 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.
I was really impressed by the customer service I received.
Read full reviewI was really impressed by the customer service I received.
Competitive premiums
Read full reviewCompetitive premiums
