Youi Home & Contents Insurance

Youi Home & Contents Insurance

Mozo Review   Youi Home & Contents Insurance Review

Last updated: 14 May 2019.

What's hot:
  • Flexible excess

  • Automatic flood cover

  • 2018 Mozo Experts Choice Award winner

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 Youi Home & Contents Insurance is definitely one to consider. It was awarded a Mozo Experts Choice Award in 2018 for Exceptional Value, making it one of Australia’s top value home and contents insurance policies. The policy will cover you for everything from major natural disasters, to theft and burglary.  

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 a less likely natural disaster such as an earthquake. 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 seepage of water from the ground.

What’s included under the building part of your policy:

This policy insures  the structure of your home against disaster, but keep in mind, landscaping and building materials kept at your home (for example, all those expensive tiles you bought for a bathroom reno) aren’t 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 $2,500 for pet accommodation.

What’s included under the contents part of your policy:

When it comes to everything in your house, Youi Home and Contents Insurance covers things like carpets, antiques and other valuable, cameras and personal medical equipment automatically. You can also opt to include cover for things like jewellery and work tools, thought 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.

On top of all this, if you feel like there's something you want to protect that's not already included, then Youi allows you to tailor your policy to what you really need, with a range of optional extras including accidental loss and damage, business items and 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, keep in mind that if you want to pay your premium in monthly instalments, it 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 the rest of the costs.

Who it's 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.

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 22 September 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
  • 60

  • $400

  • n/a

  • n/a

  • Optional Extra - Yes

  • Up to $2,500

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Optional extra

  • Up to 10 years old

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

  • 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 $2,500

  • 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

  • Up to 14 days

  • Up to 20% of sum insured

Customer Reviews

How are Youi home insurance rated by the Mozo community?

Overall customer rating
8.3/10
Value for money
8.2/10
Policy coverage
8.2/10
Customer service
8.5/10
Claims handling
7.5/10
Trust
7.9/10

Latest reviews of Youi Home & Contents Insurance

  • Overall
    10/10
    Great

    Great with all services.

    Great with all services.

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

    Wee | Tasmania

    reviewed over 1 year ago

  • Overall
    2/10
    Difficult to deal with

    was great until we needed to claim after we had a big storm

    was great until we needed to claim after we had a big storm

    Value for money
    3/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Amanda | Queensland

    reviewed about 2 years ago

  • Overall
    7/10
    Great customer service

    We havent claimed yet so I can only comment on communication

    We havent claimed yet so I can only comment on communication

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

    Mark | New South Wales

    reviewed about 2 years ago

  • Overall
    10/10
    Best insurance company

    They provide the best service for home and contents. Insured my house and contents with them...

    They provide the best service for home and contents. Insured my house and contents with them before I sold in 2015.

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

    Delta | Queensland

    reviewed over 2 years ago

  • Overall
    7/10
    Never needed to make a claim

    Great new rewards program. I just saved $250 off my holiday.

    Great new rewards program. I just saved $250 off my holiday.

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

    Kellie | Queensland

    reviewed over 2 years ago

Youi

About Youi

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