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.
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.
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.
While you can choose to pay your Youi Home and Contents Insurance premium in instalments, keep in mind it will cost you extra.
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n/a |
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No |
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Yes |
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$400 |
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true |
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no |
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n/a |
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Yes |
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Optional Extra - Yes |
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Up to lesser of 10% sum insured or $20,000 |
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Up to $20,000,000 |
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n/a |
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n/a |
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Optional Extra |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to $1,000, up to 10 years old |
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No |
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Yes |
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Yes |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to $1,000 |
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No |
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Yes |
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No |
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No |
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Yes, excludes electronic files |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Optional Extra, choose $0 to $100,000 |
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No |
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No |
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No |
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Yes |
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Optional Extra, up to $1,000 per item , up to $5,000 in total |
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No |
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Yes |
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Up to $5,000 for funeral, up to $5,000 for injury |
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Optional Extra, up to $1,000. |
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Up to $1,000 |
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Up to 12 months, up to 12% of sum insured |
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Up to 12 months, up to $3,000 |
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Up to 10% sum insured. |
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Up to 20% of sum insured combined with demolition and professional fee costs. |
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Up to 20% of sum insured combined with debris removal and professional fee costs |
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Yes |
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Up to 14 days |
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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 and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
The customer service at Youi is very good in my experience and as I have yet to make any claim I would expect they would live up to a good stress free experience there too. The premiums are very affordable and fair compared to the others I was quoted so very happy and confident we are covered.
Read full reviewThe customer service at Youi is very good in my experience and as I have yet to make any claim I would expect they would live up to a good stress free experience there too. The premiums are very affordable and fair compared to the others I was quoted so very happy and confident we are covered.
Claim for the cracks after the earthquake event. Base on engineer report, theoretically due to soil/footing that caused the crack of the house, not due to earthquake. Engineer report state: "Further investigation and discussions into the exact cause of differential footing movement can be provided if required", so I asked if YOUI can do further investigation because they can't just base on theoretical report and rejecting any further investigation. However, they still rejected and stated that theoretically the report is correct without any proof. I have asked people around and they actually said Youii is one of the worst insurance when it is about house insurance. Regret to stay for 2 years and not helpful.
Read full reviewClaim for the cracks after the earthquake event. Base on engineer report, theoretically due to soil/footing that caused the crack of the house, not due to earthquake. Engineer report state: "Further investigation and discussions into the exact cause of differential footing movement can be provided if required", so I asked if YOUI can do further investigation because they can't just base on theoretical report and rejecting any further investigation. However, they still rejected and stated that theoretically the report is correct without any proof. I have asked people around and they actually said Youii is one of the worst insurance when it is about house insurance. Regret to stay for 2 years and not helpful.
I have only had to call them twice - they were very responsive and helpful every step of the way. They kept me informed of the next step and followed through on what they said.
Read full reviewI have only had to call them twice - they were very responsive and helpful every step of the way. They kept me informed of the next step and followed through on what they said.
Great company, easy to deal with, cheapest I could find.
Read full reviewGreat company, easy to deal with, cheapest I could find.
I have always found them super helpful to work with and have been affordable wanting to work together to find the best option for me.
Read full reviewI have always found them super helpful to work with and have been affordable wanting to work together to find the best option for me.