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Youi Home & Contents Insurance

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Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
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Mozo editorial review Youi Home & Contents Insurance

Last updated: 6 April 2021.

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What's hot
  • Flexible excess
  • Automatic flood cover
What's not
  • No underinsurance protection
Mozo snapshot

If you’re after flexible home and contents insurance cover with a range of generous features, then the Youi Home & Contents Insurance policy is definitely one to consider. The policy will cover you for a range of major natural disasters, as well as theft, burglary and vandalism.  

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Key features

Youi Home and Contents Insurance will provide cover not only for a variety of events like storms, fire and theft but also for less likely disasters such as an earthquakes or explosions. The policy even includes cover for any loss or damage caused by flooding, just as long as it’s not due to oceanic activity, rising damp or water runoff.

What’s included under the 'building insurance' component of your policy:

This policy insures the structure of your home against disaster, but keep in mind, landscaping is not covered. If your house is damaged due to one of these events, your policy also includes cover for the cost of emergency repairs and clean-up fees (up to 20% of the sum insured).

If you’re unable to live in your house following damage to your home, the policy will also cover the costs for your temporary accommodation for up to 12 months (up to 12% of the sum insured) and up to $3,000 for pet accommodation.

What’s included under the 'contents insurance' component of your policy:

When it comes to everything in your house, Youi Home and Contents Insurance covers things like carpets, curtains, sport equipment and wheelchairs. You can also opt to include cover for things like jewellery and work tools, though remember it will bump your premium up.

If you work from home, it's important to note that home office equipment and any stock you’re storing at your home aren’t covered by this policy. Some business items can be covered as an optional extra (up to $5,000) but you'll need to discuss this with Youi before taking out the policy.

Other optional extras include cover for accidental loss and damage to your home and belongings, as well as vet costs for the furry residents of the household.

While Youi Home and Contents insurance allows you to choose your excess level to help reduce your premium, paying your premium in monthly instalments will cost you extra. There is also no underinsurance cover with this policy, so make sure you value your home and everything in it correctly or it’ll be money out of your pocket to cover remaining costs for anything that's been undervalued. 

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Who is it good for

If you’re looking to bundle insurance for your home, contents and beyond with a flexible policy that allows you to pick and choose cover to keep costs down, then Youi Home and Contents Insurance just might be the pick for you.

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Any catches

While you can choose to pay your Youi Home and Contents Insurance premium in instalments, keep in mind it will cost you extra.

Details

Rates and fees information correct as at 23 June 2021. 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
  • n/a

  • No

  • Yes

  • $400

  • true

  • n/a

  • n/a

  • Yes

  • Optional Extra - Yes

  • Up to lesser of 10% sum insured or $20,000

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Optional Extra

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to 10 years old

  • No

  • Yes

  • Yes

  • No

  • Yes

  • Yes

  • Yes

  • Yes

Buildings
  • Yes

  • Up to $1,000

  • No

  • Yes

Contents
  • No

  • No

  • Yes, excludes electronic files

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Optional Extra, choose $0 to $100,000

  • No

  • No

  • No

  • Yes

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

  • No

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

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

  • Optional Extra, up to $1,000.

  • Up to $500

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

  • Up to 12 months, up to $3,000

  • Up to 10% sum insured.

  • Up to 20% of sum insured combined with demolition and professional fee costs.

  • Up to 20% of sum insured combined with debris removal and professional fee costs

  • Yes

  • Up to 14 days

  • Up to 20% of sum insured

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement on the provider's website for further information before making any decisions about an insurance product.

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).

Customer Reviews

How are Youi home insurance rated by the Mozo community?

Overall
8.2/10
Value for money
8.2/10
Policy coverage
8.1/10
Customer service
8.5/10
Claims handling
7.5/10
Trust
7.9/10

Latest reviews of Youi Home & Contents Insurance

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