23 Jun 2022
Rise of the cashless society
Australia is the sixth most cashless society in the world. While some experts predict cash will be on its way...
Read more about Rise of the cashless society
CommunityLiving 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.
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:
Benefits |
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.
Benefits |
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.
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. 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.
Home & Contents Insurance Discovery Hub
29 Apr 2022
CWA’s Muriel Halsted and her recipe for the perfect scone
Muriel Halsted is a long-serving Country Women’s Association (CWA) member and her recipe for scones is loved...
Read more about CWA’s Muriel Halsted and her recipe for the perfect scone
Home
29 Apr 2022
Creating a strong password is essential to staying safe online
The strongest passwords will thwart hackers and keep you secure online, but they can also be hard to...
Read more about Creating a strong password is essential to staying safe online
Community
21 Mar 2022
Overdosing on prescription medicine: a bitter pill to swallow
Misusing medicines can be dangerous, and sometimes fatal – and older Australians are particularly at risk....
Read more about Overdosing on prescription medicine: a bitter pill to swallow
Lifestyle
23 Feb 2022
‘Kidults’ – the young Australians who are yet to fly the coop
Many young adults are choosing to stay at home longer, with over a third of those over 20 still living with...
Read more about ‘Kidults’ – the young Australians who are yet to fly the coop
Lifestyle
27 Jan 2022
Enjoy music straight to your ears with Bluetooth hearing aids
Bluetooth connectivity is transforming hearing aids, and many of them can now let you stream TV, music, and...
Read more about Enjoy music straight to your ears with Bluetooth hearing aids
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 today
Call our friendly team now on 1300 009 348. We are here 8am to 8pm Monday to Friday.
You can also request a call-back at a time that suits you.