Protect your biggest asset with Seniors Home Insurance, covering your house from accidental damage, disasters and other dangers.
WIN a share of $30,000 in gift cards1
Plus up to 20% off combined home & contents2
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.
As a valued Australian Seniors customer, when you take out Seniors Home 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.
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 accommodation3 | 12 months rent or 10% of building sum3 | 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.
WIN a share of $30,000 in gift cards when you buy a Seniors Home or Contents Insurance policy by 14 July.¹
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.
Hosted by the ABC’s James Valentine, the ‘Life’s Booming’ podcast is available now!
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.
Seniors Home Insurance includes legal liability cover for you as a homeowner should an accident occur due to your negligence.
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
Cancel your policy for a full refund within 14 days if you decide it’s not right for you.
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.
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.
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.
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HomePermit 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.
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.
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.