Youi Building Insurance

Mozo rewards
Youi

Home insurance that rewards you

Protect your house. Reward yourself. Take out a Youi home insurance policy & get half your premium in YouiRewards. T&C's apply.

Youi Building Insurance Review

Rates and fees information correct as at 16 November 2018.

Review published: 20 September 2017

What's hot:

  • Flood cover at no extra cost

  • 12 months temporary accommodation for you and your pets

What's not:

  • No underinsurance protection

Mozo snapshot:

The Youi Home Insurance is a policy that doesn't muck around. Youi Home Insurance offers cover for your home and the flexibility to adjust your excess. You can also look forward to a 24/7 emergency claims service when you need it, plus other benefits you might need during difficult times, like counselling services. And did we mention that you’ll also get half your premium in YouiRewards?

Key features:

Youi Home Insurance have got you covered, so you can kick back knowing you’ll be covered in the event of breakage of glass to fire, lightning, storms, malicious acts or vandalism and riots or civil commotion with the optional extra of adding accidental loss and damage. Plus, if you have gates, fences or require any structural improvements alone or for your building, Youi will cover you for that too. 

With Youi, if your claim is accepted, you’ll also be covered for any lock replacements, temporary accommodation for you and your pet, debris removal, demolition costs, temporary repairs, plus there is cover for your contents while you move. If you own a cat or dog and are looking into covering your pet for potential veterinary expenses, Youi also offer optional cover for this. As a Youi customer, you can also look forward to having personal liability cover of up to $20,000,000 along with cover for any food spoilage and multiple births by providing $100 per baby born. 

While Youi Home Insurance aims to provide cover across a wide range of events and items, it’s worth noting that Youi does not provide cover for power and storm surges and  any required landscaping or building materials.

Who it's good for:

Youi Home Insurance is a good option for anyone looking for the basics in a policy along with a few options to personalise your cover - and if you love a freebie or two, as you'll get half your premium back in YouiRewards, to redeem with YouiRewards partners on things like flights, event tickets or retail products.

Any catches?

Youi Home Insurance does not offer underinsurance protection, which can leave you out of pocket should you ever need to make a claim. In this case, it’s recommended to value your home and contents for the total replacement value to avoid any mishaps.

How is Youi home insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
Youi home insurance
8.3

Based on 255
Youi home insurance reviews

8.2 8.2 8.5 7.5 7.9

Latest reviews of Youi Building Insurance

Youi

Youi Home Insurance home insurance review

Overall rating   6 / 10

Price is good

I don't like that they take your credit card details before they ring you.

Full review

I don't like that they take your credit card details before they ring you.

    Value for money   7 / 10

Less

James, Queensland, reviewed over 1 year ago

Youi

Youi Home Insurance home insurance review

Overall rating   6 / 10

Overall satisfied and good customer service

It's good in competitive market. Provides good service in a reasonable price.

Full review

It's good in competitive market. Provides good service in a reasonable price.

    Value for money   7 / 10

Less

Eliza, Queensland, reviewed over 1 year ago

Youi

Youi Home Insurance home insurance review

Overall rating   8 / 10

Good customer service

There was an issue around flood band as our flooded due to a freak tide back in 2012 now paying for it across all insurers. Easy to deal with when claimed a swimming pool pump blow out after a storm,

Full review

There was an issue around flood band as our flooded due to a freak tide back in 2012 now paying for it across all insurers. Easy to deal with when claimed a swimming pool pump blow out after a storm,

    Value for money   8 / 10

Less

Leisa, Queensland, reviewed almost 2 years ago

Youi

Youi Home Insurance home insurance review

Overall rating   7 / 10

Not the cheapest but they were helpful

We haven't been with youi for long but we have been happy with how they helped set up our policy.

Full review

We haven't been with youi for long but we have been happy with how they helped set up our policy.

    Value for money   7 / 10

    Policy coverage   7 / 10

    Customer service   7 / 10

    Claims handling   5 / 10

    Trust   5 / 10

Less

Joshua, Victoria, reviewed over 2 years ago

Youi

Youi Home Insurance home insurance review

Overall rating   9 / 10

Competitive, listen and professional

At renewal helped beat that price. Explained policy and friendly

Full review

At renewal helped beat that price. Explained policy and friendly

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   9 / 10

    Claims handling   6 / 10

    Trust   8 / 10

Less

Filomena, Victoria, reviewed over 2 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.

Buildings

  • Up to sum insured

Events

  • Optional extra

  • Up to 10 years old

Policy and service features

  • 60

  • $400

  • none

  • Up to $20,000,000

Other cover

  • Up to $5,000 for funeral, up to $5,000 for injury

  • Up to $500

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

  • Up to 12 months, up to $2,500

  • Up to 20% of sum insured combined with demolition cost

  • Up to 20% of sum insured combined with debris removal cost

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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