What can you claim on home insurance?

      Home insurance can be a safety net that protects your property and valuable assets in the face of uncertain events. Home insurance comes in a variety of forms, including buildings and contents.

      Each policy comes with different benefits, limits, and exclusions. Read our guide to learn more about what is covered by different types of home insurance.
       

      What events does home insurance cover?

      Here are some insured events that Everyday Insurance offers cover for:

      • Accidental damage
      • Fire and explosion
      • Malicious damage
      • Theft
      • Storm and rainwater
      • Accidental glass breakage
      • Lightning
      • Earthquake, tsunami, and volcanic eruption
      • Impact
      • Escape of liquid


      These insured events are indicative only. For more information read the Home Insurance PDS.

      What does Building Insurance cover compared to Contents Insurance?

      Home insurance (or building insurance) covers your property, which is defined as a fully enclosed structure with walls and a roof that’s used for residential purposes (excluding strata properties). While protecting the exterior of your home, it also includes cover for fixtures and fittings that may be permanently attached, like dishwashers and alarm systems.

      Here are some examples of what Everyday Building Insurance may cover:

      • Your property and its surroundings (windows, garage, and fences)
      • Gas and electrical appliances
      • Light fittings
      • Emergency accommodation
      • Damage to trees, plants, and shrubs (up to a fixed limit)^

      Areas of the house are covered by Home Insurance.

      Buildings insurance not only covers the structure of your house but the fixtures, fittings, and some attached outdoor areas. Here are some examples of what’s covered.

      Areas Fixtures Fittings

      Rooms inside your home

      Alarm systems

      Light fittings
      Garage

      Basin

      Stove
      Balcony

      Bathtub

      Dishwasher

      For a full list of things Everyday Building Insurance covers, read the Home Insurance Product Disclosure Statement.

      Importance of insuring homes for the correct value.

      Choosing the right level of cover for your home can be important to avoid being underinsured. 

      Everyday Home Insurance offers sum insured cover, which allows policyholders to insure their homes up to a set amount. Sum insured is the total amount we’ll pay if you claim for loss or damage against your building. If you underestimate your sum insured, you may have to pay the gap if the cost to rebuild your home.

      Calculate the cost to rebuild your home

      What is accidental damage cover in Home Insurance?


      Taking out Home Insurance that includes the accidental damage benefit may help mitigate the financial costs of mishaps that are out of your control.

      Everyday Home Insurance defines accidental damage as damage that’s caused unintentionally to your property or contents. The accidental damage benefit is included across Everyday Comprehensive Building & Contents Insurance policies.

      Accidental damage in Building Insurance.

      With an Everyday Insurance Comprehensive Building policy, your property and its fixtures and fittings are covered for accidental damage.

       

      An example of accidental damage in Building Insurance might be if you're moving furniture and accidentally make a hole in the wall.

      Accidental damage in Building Insurance

      Accidental damage in Contents Insurance.

      With an Everyday Insurance Comprehensive Contents Insurance policy, the things inside your home, like furniture, are covered for accidental damage.

       

      An example of accidental damage in Contents Insurance might be if you accidentally spilled wine on your carpet and it left a permanent stain.

      Accidental damage in Contents Insurance

      What can be optionally included in Home Insurance as extras or premium?

      Everyday Home Insurance defines optional benefits as benefits that can be added to your home insurance policy for an additional premium.

      Here are some optional benefits that can be included in your policy. Depending on the type of policy you have, different limits may apply.
       

      Electrical Motor Burnout.

      Electrical motor burnout is the fusion or burning out of the actual wiring of a domestic motor by an electrical current.

      When your building is insured it may help cover the cost of repairing or replacing any motor that forms part of your building, like your dishwasher.

      When your contents are insured it may help cover the cost of repairing or replacing any motor that forms part of your contents - like your refrigerator. We may also pay for losses from food spoilage.
       

      Portable valuables.

      This additional benefit is suitable for people who want to protect their contents from loss or damage when they take it outside of their home. It can be added to an Everyday Contents Insurance policy for an extra cost.

      Some items you can cover with the additional portable contents benefit are:

      • Clothing
      • Jewellery (some limits apply)
      • Watches
      • Glasses (prescription, contact lenses and sunglasses)
      • Sporting equipment and their accessories
      • Portable musical instruments
      • Cameras and video equipment

       

      Some personal belongings you choose to insure may have fixed limits. For a full list of what’s covered under the portable contents additional benefit, read the Home Insurance Product Disclosure Statement.

      Does home insurance cover valuables I take with me away from my home?

      Yes, Everyday Contents Insurance has an optional benefit that covers some valuables you take outside of your home. To access this additional cover, you must pay an extra cost.

      There are two ways to cover your portable contents with an Everyday Contents Insurance policy:

      Group cover: if you want cover for a few different things, you can choose to insure a group of your belongings for a fixed limit of up to $1,000 per item.

      Itemised cover: if you want to cover a specific item that might be worth more than $1,000, you can choose itemised cover. Itemised cover gives you cover for the actual value of the item and is listed on your Certificate of Insurance.

      For a full list of things Everyday Home Insurance covers, read the Home Insurance Product Disclosure Statement.

      Does Home Insurance cover unoccupied homes?

      Boxes

      An unoccupied home means neither you nor anybody else (with your consent) lives or sleeps in your property. An Everyday Building Insurance policy only covers an unoccupied home from loss or damage for a maximum of 60 days.

      While your home is unoccupied, it must be maintained by:

      • Keeping the lawn and garden tidy
      • Stopping regular mail and newspaper deliveries
      • Arranging for someone to check inside and outside your home once a week
         

      If your home is going to be unoccupied for more than 60 days, you must let us know. We’ll need to determine whether we can keep covering your home and/or contents, on what terms, and for what premium.

      How to get home insurance.

      If you’re looking to protect your property or contents, Everyday Home & Contents Insurance from Woolworths offers a range of flexible home insurance options to suit your needs.

       

      Looking to protect your property or contents?

      Why pick Everyday Home Insurance?

      Bundle to save.

      Save up to 10%= when you buy combined home and contents insurance.

       

      Bundle to save

      Quality cover you can count on.

      Backed by Hollard. One of Australia's largest insurers.

       

      Quality cover you can count on

      Award-winning Insurance.

      Winner of Finder’s Customer Satisfaction Awards for Highly Commended Home Insurance 2023.
      See our awards
       

      Award-winning Insurance

      24/7 emergency claims assistance.

      In the event of an unexpected event, our friendly claims team is available around the clock to help make your home safe and secure.

      24/7 emergency claims assistance

      Home Insurance Info Hub.

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      What is a home insurance policy?

      Why buy home insurance?
       

      Find out more
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      Understanding home insurance.

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      Understanding home insurance

      What you need to know before you move out.

      Find out more
      What you need to know before you move out

      Important information.

      ^ This is an additional benefit. Sub-limits apply. Please read the Home Insurance Product Disclosure Statement for full terms, conditions, limits (including sub-limits) and exclusions that apply.

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      = A discount of 10% is applied to your premium when you combine Building and Contents on one Home Insurance Policy. The discount will apply to the first 12 months of your Everyday Home Insurance policy. The discount will be reapplied for 12 months each time your Everyday Home Insurance policy is renewed so long as you continue to combine Building and Contents on one Home Insurance policy and Everyday Insurance continues to offer the discount. Minimum premiums apply which could reduce any discount you are entitled to. Discount does not apply to taxes or government charges and optional non-insurance services.

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      Cover and benefits are subject to eligibility criteria and terms and conditions, including the limits and exclusions of the insurance policy. Any advice provided is general only and may not be right for you. Before you purchase this product you should carefully read the Home Insurance Product Disclosure Statement and consider the Target Market Determination to decide if it is right for you.

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      Life Insurance is issued by Swiss Re Life & Health Australia Limited ABN 74 000 218 306 AFSL No. 324908 (Swiss Re) and administered by Greenstone Financial Services Pty Ltd, ABN 53 128 692 884; AFSL No. 343079 (Greenstone). Roadside assistance is provided by Digicall Assist Pty Ltd ABN 92 152 605 340. Car, Home, and Landlords Insurance are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL No. 241436 (Hollard).

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      Any general advice provided does not consider your objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS), Financial Services Guide (FSG) Target Market Determination (TMD) available on this website, to decide if the product is right for you.

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