Woolworths Home & Contents Insurance

This product is available in different versions. Pick the right version for you here.

The details shown below are for the Standard Cover

The details shown below are for the Comprehensive Cover

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  • Standard Cover

  • Comprehensive Cover

Woolworths Home & Contents Insurance

Woolworths Home & Contents Insurance

Mozo Review   Woolworths Home & Contents Insurance Review

Last updated: 1 October 2018.

What's hot:
  • 2017 Mozo Experts Choice Winner

  • Up to 30% discount

What's not:
  • No underinsurance protection

Mozo snapshot:

If you’re after quality home insurance cover at an affordable price, Woolworths Standard Home and Contents is certainly one policy to consider. It was awarded a Mozo Experts Choice Award for Low Cost Insurance, making it one of Australia’s best value home and contents policies with quality cover. You can save up to 30% on your premium as Woolworths has a couple of discounts, including a 20% discount for applying online and another 10% if you combine it another Woolworths insurance policy.

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 $300 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.


Who it's 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. 

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 27 June 2019. 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

  • $100

  • Up to 20% discount for online applications, applicable first year only. 10% combined policy discount.

  • Up to 20% of sum insured

  • Up to $1,000, up to $4,000 for garden furniture and barbecues

  • Up to $20,000,000

Events
  • Optional extra

Buildings
  • Up to $750

  • Up to sum insured

Contents
  • Up to $250

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

  • Software only (corruption excluded), up to $2,500

  • Optional extra

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

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

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

  • Up to $500

  • Optional extra

  • Up to $1,000

  • Up to $5,000

Other cover
  • Up to $5,000

  • Up to $500

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

  • Up to 12 months, up to $500

  • Up to $10,000 combined with demolition cost

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

  • Up to 14 days

Details

Rates and fees information correct as at 27 June 2019. 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

  • $100

  • Up to 20% discount for online applications, applicable first year only. 10% combined policy discount.

  • Up to 20% of sum insured

  • Up to $2,000, up to $8,000 for garden furniture and barbecues

  • Up to $20,000,000

Events
  • Optional extra

Buildings
  • Up to $1,500

  • Up to sum insured

Contents
  • Up to $500

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

  • Software only (corruption excluded), up to $5,000

  • Optional extra

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

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

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

  • Up to $1,000

  • Optional extra

  • Up to $2,000

  • Up to $10,000

Other cover
  • Up to $10,000

  • Up to $1,000

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

  • Up to 12 months, up to $1,000

  • Up to $15,000 combined with demolition cost

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

  • Up to 14 days

  • Up to 20% of sum insured

Customer Reviews

How are Woolworths home insurance rated by the Mozo community?

Overall customer rating
7.8/10
Value for money
8.2/10
Policy coverage
7.6/10
Customer service
7.3/10
Claims handling
6.6/10
Trust
7.1/10

Latest reviews of Woolworths Home & Contents Insurance

  • Overall
    10/10
    Competitive premiums and good customer service

    I was really impressed by the customer service I received.

    I was really impressed by the customer service I received.

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Bridget | Western Australia

    reviewed almost 2 years ago

  • Overall
    8/10
    Competitive premiums

    Competitive premiums

    Competitive premiums

    Value for money
    9/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Ron | New South Wales

    reviewed almost 2 years ago

  • Overall
    8/10
    Never had to claim -- so don't know.

    Cover very similar to previous insurer and 30% cheaper.

    Cover very similar to previous insurer and 30% cheaper.

    Value for money
    8/10
    Policy coverage
    7/10
    Customer service
    7/10
    Claims handling
    -1/10
    Trust
    8/10

    Peter | Victoria

    reviewed about 3 years ago

  • Overall
    10/10
    Awesome

    Awesome

    Awesome

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Siby | Victoria

    reviewed over 3 years ago

  • Overall
    8/10
    Save fuel, reduce your exhaust emissions

    Cheapness of polcy.

    Cheapness of polcy.

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    8/10
    Claims handling
    8/10
    Trust
    8/10

    Bill | New South Wales

    reviewed over 3 years ago

Woolworths

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