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 22 July 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 several discounts, including a 10% discount for applying online, a 10% promo discount if you apply before 31 Oct 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
7.4

Based on 18
Woolworths home insurance reviews

7.8 7.5 7.1 6.2 6.8

Latest reviews of Woolworths Home & Contents Insurance

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

    Claims handling   -1 / 10

    Trust   8 / 10

Less

Peter (VIC), reviewed over 2 years ago

Woolworths

Woolworths Standard Cover home insurance review

Overall rating   9 / 10

Value for money

Good value for money, excellent customer service via telephone.

Full review

Good value for money, excellent customer service via telephone.

    Value for money   10 / 10

    Policy coverage   9 / 10

    Customer service   10 / 10

    Claims handling   8 / 10

    Trust   8 / 10

Less

Drew (VIC), reviewed almost 3 years ago

Woolworths

Woolworths Standard Cover home insurance review

Overall rating   10 / 10

Great customer service, very helpful

When shopping around I found them very helpful. Got a great price, less than half of old insurance company for exactly the same thing.

Full review

When shopping around I found them very helpful. Got a great price, less than half of old insurance company for exactly the same thing.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   9 / 10

    Claims handling   -1 / 10

    Trust   9 / 10

Less

Heather (NSW), reviewed almost 3 years ago

Woolworths

Woolworths Standard Cover home insurance review

Overall rating   9 / 10

Recommend my friends to shop there for quality

The customer service is quick and simple .

Full review

The customer service is quick and simple .

    Value for money   6 / 10

    Policy coverage   6 / 10

    Customer service   9 / 10

    Claims handling   -1 / 10

    Trust   8 / 10

Less

Raquel (NSW), reviewed almost 3 years ago

Woolworths

Woolworths Standard Cover home insurance review

Overall rating   0 / 10

Disgrace, would never use.

Would never recommend Woolworths insurance to anyone, would rather put the money under my mattress than deal with this company again. After going through the April storms and having water through our entire house the stress of dealing with that...

Full review

Would never recommend Woolworths insurance to anyone, would rather put the money under my mattress than deal with this company again. After going through the April storms and having water through our entire house the stress of dealing with that has been far easier than dealing with Woolworths insurance. Their customer service can only be explained as third world standard. We have had to dispute our contents to the stage of even accusing me of using our vacuum cleaner for business use. We were given a scope of work that was not followed by not organising the removal of large furniture so trades can start work, had our furniture stored in our garage and are now giving us hassle because we are claiming for lounges and mattress that have water damage for being stored five weeks in garage. The tradies working on our house did an excellent job while being hindered by the insurance company. Their customer service is a disgrace, they have no consideration for their clients' well being and are a disgrace to the insurance industry and should be held accountable for how they are dealing with clients during this time .

    Value for money   0 / 10

    Policy coverage   1 / 10

    Customer service   0 / 10

    Claims handling   0 / 10

    Trust   0 / 10

Less

K (NSW), 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

  • 10% promotional discount, 10% online discount, 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

  • 10% promotional discount, 10% online discount, 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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