Living well starts with where you live – stay in control with Australian Seniors

Whether you’re investing in a home or living in it, you need to ensure it’s covered from the unexpected. Your home is your biggest asset and often faces the biggest risks as well. That’s why Seniors Home Insurance covers your property from natural disasters to accidental ones too, helping you take control of what the future holds.

With Seniors Home Insurance your building is covered from fires, theft, storms and more, with optional cover for Electrical motor burnout.

DARE magazine

As a valued Australian Seniors customer, when you take out Seniors Home Insurance, you’ll receive three complimentary issues of DARE magazine. Learn more and view the applicable T&Cs.

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Everything you need to know about home & contents insurance

Choose your cover

We offer two levels of cover for your home. 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 Insurance covers you for the following:

Compare Home Insurance


Essential Cover

Top Cover

Damage caused by disasters such as fires, earthquakes, storm, flood etc. Yes Yes
Accidental damage No Yes
Theft Yes Yes
Damage from riot or civil commotion or industrial unrest Yes Yes
Emergency accommodation2 12 months rent or 10% of building sum2 12 months rent or 10% of building sum
Removal of debris due to damage $10,000 $15,000
Funeral expenses arising from an insured event $5,000 $10,000
Legal liability $20 million $20 million
Temporary accommodation for cats or dogs $500 $1,000

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 Home Insurance Optional Extras


Essential Cover

Top Cover

Electrical motor burnout $1,000 $2,000

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 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. 

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.

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.

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 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?

Request a FREE information pack

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 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 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.

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.

  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 today

Call our friendly team now. We’re here 8am to 8pm Monday to Friday and 9am to 2pm Saturdays on 1300 009 348.
You can also request a call-back at a time that suits you.