From your valuable property to your priceless belongings, keep them safe with Seniors Home & Contents Insurance

Whether it’s the building you live in or the little things inside it, your home contains years of hard work and memories. That’s why Seniors Home & Contents Insurance is designed to give you cover for both your valuable property and priceless belongings.

Protect yourself from theft, damages, or any other events that threaten your home and contents, with optional cover also available for electrical motor burnout or portable valuables.

Choose your cover

We offer two levels of cover for your home & contents. Choose to cover the basics with our Essentials Cover, or future-proof your home with comprehensive Top Cover.

Not sure how much cover you need? Use our Home Insurance Contents Calculator to estimate the cost of replacing your possessions.

Seniors Home & Contents Insurance covers you for the following:

Compare insurance cover types

Essential Cover

Top Cover

Damage caused by fires, earthquakes, storm, flooding etc.

Yes

Yes

Accidental damage

No

Yes

Theft

Yes

Yes

Damage from riot or civil commotion and industrial unrest

Yes

Yes

Contents in transit - 20% of sum insured

No

Yes

Emergency accommodation2 12 months rent or 10% of building sum 12 months rent or 10% of building sum
Removal of debris due to damage $10,000 $15,000
Legal liability $20 million $20 million
Damage to trees, plants or shrubs $750 $1500
Home-office contents $5000 $10,000
Replacement of locks after theft $500 $1000
Personal documents replacement $500 $1000
Guests’ contents $500 $1000
Tools of trade $1000 $2000
Benefits are subject to limits and exclusions (including sub-limits). This is a summary of policy features. For full details please read our Product Disclosure Statement.
Compare insurance cover types

Benefits

Essential Cover

Top Cover

Cover for portable items

Yes

Yes

Motor burnout & food spoilage Motor Burnout- $1000
Food Spoilage- $500
Motor Burnout- $2000
Food Spoilage- $1000
Benefits are subject to limits and exclusions (including sub-limits). This is a summary of policy features. For full details please read our Product Disclosure Statement.

Benefits of choosing Seniors Home & Contents Insurance

More control over your policy

Choose your level of cover and payment frequency, add optional extras, and even set your basic excess amount. With Seniors Home Insurance, you’re in control.

Emergency accommodation if your home is uninhabitable

Should the worst happen, we’ll be there for you and your family (including your beloved dog or cat) with cover for emergency accommodation.

New and old home contents

You’re covered for up to 14 days for contents in both your new and old residence while moving.

Save up to 30% online¹

We’re committed to providing real value for over 50s, so you’ll save up to 30% when you buy a combined Home & Contents policy online.

Cover more than just your home

Seniors Home Insurance includes legal liability cover for you as a homeowner should an accident occur due to your negligence.

14 day cooling off period³

Cancel your policy for a full refund within 14 days if you decide it’s not right for you.

See more benefits

Why Australian Seniors?

You and your family need insurance that delivers real value. With Australian Seniors, you get just that and more. 

Peace of mind

Enjoy the confidence of knowing that your policy is backed by the world’s leading underwriters

Award-winning insurance

We’ve got years of experience, helping you to protect your family and assets with award-winning products and award-winning service

Dedicated to seniors

We believe insurance should meet your needs, not someone else’s. That’s why we focus on providing the best possible cover for Australians over 50

Backed by experience

We’ve been doing what we love for years, just like you. Put yourself in good hands with Australian Seniors

Need more help deciding?

Request a FREE information pack

Everything you need to know about home and contents insurance

Home & Contents Insurance Frequently Asked Questions

How can I save on my home and contents insurance?

There are two easy ways to save. First, improve security and safety. Items such as deadlocks and monitored burglar alarms can usually bring discounts. Second, raise your excess. The excess is the amount of money you have to pay towards a loss before the insurance kicks in. We offer different levels of excess from $0, to $1000. The higher the excess the lower the cost of your insurance.

How much does it cost?

Your premium will depend on many factors such as, the value of your home and contents, the security present, the level of cover you require and the Excess you choose. You may receive a 10% discount by combining your Home & Contents cover. In addition if you have a burglar alarm, you are entitled to a discount. These discounts will be automatically included in your insurance quote when you call 13 13 43.

How much insurance do I need?

The amount of insurance cover you select is known as your ‘sum insured’. For contents cover, you should choose a sum insured that equals the amount it would cost you to replace your insured contents at today’s prices. For your home cover, you should choose a sum insured that equals the amount it would cost you at today’s prices to clear the site and rebuild your home, including any fences or fixed structures on the site. This is known as your home’s replacement value, and should not be confused with market value, which includes the cost of the land.

What if I want to change my insurance cover?

Contact us if you want to change your cover. Changes could include:

  • Changing your address
  • Increasing or decreasing your cover
  • Adding listed items
  • Taking out Personal Property Australia Wide
  • Updating your payment details
  • Cancelling your policy, etc.

You must also contact us if anything changes which might affect the risk we are insuring.

What is home and contents insurance?

Home and contents insurance is a common way to guard against financial loss caused by theft or damage to your home and contents. In return for the premium that you pay us (the insurance company), we may repair or replace your items or pay you a certain sum of money to cover certain losses or damage to your home and contents. The amount we pay for a claim, and the circumstances under which we pay, is subject to the terms and conditions of your contract or “policy”.

Home and contents insurance also automatically covers your Legal Liability to pay compensation for death or bodily injury to other parties, or damage to their property. This “liability” cover applies only when you have been found negligent and are at fault.

  1. Offer is valid for new home or contents insurance policies bought online. Discount is made up of 10% online discount, applies to the first policy year only. Further 10% combined home and contents multi-policy discount and 10% discount for Seniors Card holders or 5% discount for non-Seniors Card holders over 50 years of age, applies for the life of the policy. Minimum premiums apply, which may reduce savings discount.
  2. You will receive the lesser amount of 12 months rent or 10% of building sum insured.
  3. Refund is only eligible if no claims have been made under your policy during cooling off period.

Cover your home & contents today

For total cover of the things you’ve worked hardest for, call our friendly team now. We’re here 8am to 8pm Monday to Friday and 9am to 2pm Saturdays on 13 13 43. You can also request a call-back at a time that suits you.