Woolworths Home & Contents Insurance

Ww home insurance with mom and son
Woolworths

Online special - SAVE 30%

Save up to 30% when you purchase a combined Woolworths Home and Contents policy online

Ww home insurance with mom and son
Woolworths

Online special - SAVE 30%

Save up to 30% when you purchase a combined Woolworths Home and Contents policy online

Woolworths Home & Contents Insurance Review

Rates and fees information correct as at 19 November 2018.

Review published: 20 September 2017

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.  

How is Woolworths home insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
Woolworths home insurance
7.8

Based on 23
Woolworths home insurance reviews

8.2 7.6 7.3 6.6 7.1

Latest reviews of Woolworths Home & Contents Insurance

Woolworths

Woolworths Standard Cover home insurance review

Overall rating   10 / 10

Competitive premiums and good customer service

I was really impressed by the customer service I received.

Full review

I was really impressed by the customer service I received.

    Value for money   10 / 10

Less

Bridget, Western Australia, reviewed over 1 year ago

Woolworths

Woolworths Standard Cover home insurance review

Overall rating   8 / 10

Competitive premiums

Competitive premiums

Full review

Competitive premiums

    Value for money   9 / 10

Less

Ron, New South Wales, reviewed over 1 year ago

Woolworths

Woolworths Standard Cover home insurance review

Overall rating   8 / 10

Never had to claim -- so don't know.

Cover very similar to previous insurer and 30% cheaper.

Full review

Cover very similar to previous insurer and 30% cheaper.

    Value for money   8 / 10

    Policy coverage   7 / 10

    Customer service   7 / 10

    Trust   8 / 10

Less

Peter, Victoria, reviewed over 2 years ago

Woolworths

Woolworths Standard Cover home insurance review

Overall rating   10 / 10

Awesome

Awesome

Full review

Awesome

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Siby, Victoria, reviewed almost 3 years ago

Woolworths

Woolworths Standard Cover home insurance review

Overall rating   8 / 10

Save fuel, reduce your exhaust emissions

Cheapness of polcy.

Full review

Cheapness of polcy.

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   8 / 10

    Claims handling   8 / 10

    Trust   8 / 10

Less

Bill, New South Wales, reviewed about 3 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

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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

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

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).

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