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CommunityFrom 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.
DARE magazine
As a valued Australian Seniors customer, when you take out Seniors Home & Content Insurance, you’ll receive three complimentary issues of DARE magazine. Learn more and view the applicable T&Cs.
General Insurance Code of Practice
Choose your cover
We offer two levels of cover for your home & contents. Choose to cover the basics with our Essential 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:
Benefits |
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.
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.
Award-winning insurance 7 years in a row
Australian Seniors has been recognised for providing real value for local over 50s, winning awards for our products and service for 7 consecutive years.
We’re the proud winners of the Reader’s Digest Quality Service Award for 2021, and Highly Commended Trusted Brand Award in 2015, 2016, 2018 and 2020, in the Funeral Insurance category. We were granted the Feefo Gold Trusted Service Award in 2017, 2018 and 2019.
Australian Seniors is also the ProductReview.com.au 2021 Annual Awards Winner in the overall Insurance category, as well as the 2020 Awards Winner in the Funeral, Car, Home & Contents, Travel, and Pet Insurance categories.
DARE to indulge?
Our bi-monthly DARE magazine gives you a wealth of new ideas to take on the world you live in, and have the time of your life along the way.
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 world-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.
Home & Contents Insurance FAQsFrequently 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 $200 to $1,000.
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 Portable Valuables Cover
- 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.
Home & Contents Insurance Discovery Hub
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Lifestyle- 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.
- You will receive the lesser amount of 12 months rent or 10% of building sum insured.
- 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 1300 865 104. You can also request a call-back at a time that suits you.