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.

DARE magazine

As a valued Australian Seniors customer, when you take out Seniors Home & Contents Insurance, you’ll receive ongoing complimentary digital issues of DARE magazine, sent straight to your email inbox. Learn more and view the applicable T&Cs.

General Insurance Code of Practice

We proudly comply with the General Insurance Code of Practice, so you can be sure you’ll receive the highest standard of service with the Australian Seniors team.

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:

Compare insurance cover types

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.
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 20% on combined home & contents

We’re committed to providing real value for over 50s, helping you save up to 20% when you buy a combined Seniors Home & Contents Insurance policy.1

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 period⁴

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

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.

Need more help deciding?

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Everything you need to know about home & 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. 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.

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; or
  • cancelling your policy.

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.

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 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.

I've been contacted about a refund - what do I need to do?

Ensure your contact details and payments details are up to date on your account. ​If details are up to date, your refund will land in your account in the timeframe noted on your notification letter.​

If you have any questions about your refund, call us on 1300 919 583 and we can provide more information or help you update your account details.​

Why do you need payment details from me?​
To refund you, we’ll need a bank account or credit card details to send the money to.​

Where do I update my payment details?​
Log into My Account to update your details, or give us a call on 1300 919 583.

My policy is no longer active — what do I need to do?​
If your policy is no longer active, but you need to update your payment details, please give us a call on 1300 919 583 and our staff will be able to process the refund over the phone. ​

What will happen if I don’t respond to your letter or email about a refund?​
To refund you, we’ll need a bank account or credit card details to send the money to.  We encourage you to contact us so that you can receive your refund.

What can I do if I’m not happy with the refund amount?​
If you’re not happy with the refund amount or have a complaint, please contact us on 1300 919 583.

Customers rate us

4.6/5 from 502 reviews

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  1. Permit numbers: NSW: TP/03357, ACT: TP 24/00506.1 and SA T24/391. New customers who buy a Seniors Car, Home, Contents, Landlords, or Travel Insurance policy by 14 July 2024 will go into the draw for a chance to win 1 of 3 x $10,000 e-Gift Cards (total prize value $30,000). Terms and conditions apply.

  2. or * A discount of 10% is applied to your premium when you combine Home and Contents on one Seniors Home Insurance Policy. The discount will apply to the first 12 months of your Seniors Home Insurance policy. The discount will be reapplied for 12 months each time your Seniors Home Insurance policy is renewed so long as you continue to combine Home and Contents on one Home Insurance policy and we continue to offer the discount. Discount does not apply to taxes or government charges.

    A discount of 10% is applied to your premium for valid Seniors Card holders. The discount will apply to the first 12 months of your Seniors Home Insurance policy. The discount will be reapplied for 12 months each time your Seniors Home Insurance policy is renewed so long as you continue to hold a valid Seniors Card and we continue to offer the discount. Discount does not apply to taxes or government charges. A Seniors Card is a card issued by various Australian State and Territory governments to permanent residents, over a particular age, who work no more than a set number of paid hours per week, or based on state or territory requirements.

  3. You will receive the lesser amount of 12 months rent or 10% of building sum insured.
  4. Refund is only eligible if no claims have been made under your policy during cooling off period.

Cover your home & contents today

For cover of the things you’ve worked hardest for, call our friendly team now on 1300 009 348. We are here 8am to 7pm Monday to Friday. You can also request a call-back at a time that suits you.