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.
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.
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 |
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 |
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.
Should the worst happen, we’ll be there for you and your family (including your beloved dog or cat) with cover for emergency accommodation.
You’re covered for up to 14 days for contents in both your new and old residence while moving.
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.
Seniors Home Insurance includes legal liability cover for you as a homeowner should an accident occur due to your negligence.
Cancel your policy for a full refund within 14 days if you decide it’s not right for you.
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.
Hosted by the ABC’s James Valentine, the ‘Life’s Booming’ podcast is available now!
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.
You and your family need insurance that delivers real value. With Australian Seniors, you get just that and more.
Enjoy the confidence of knowing that your policy is backed by world-leading underwriters.
We’ve got years of experience, helping you to protect your family and assets with award-winning products and award-winning service.
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.
We’ve been doing what we love for years, just like you. Put yourself in good hands with Australian Seniors.
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. You can choose a basic excess from the levels we offer. The levels we offer for Building are between $200 and $2,500 and for Contents between $200 and $1,000. But remember, while your premiums will be cheaper now, you will have to pay more if you ever have to claim.
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 could receive up to 10% discount by combining your Home & Contents cover. In addition, if you have a monitored alarm, you’re entitled to a discount. These discounts will be automatically included in your insurance quote when you call 13 13 43.
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.
Contact us if you want to change your cover. Changes could include:
You must also contact us if anything changes which might affect the risk we’re insuring. Changing your cover may affect the premium you need to pay.
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 your premium, 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’ve been found negligent and are at fault.
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HomeFor 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.