Home insurance that’s a bit more you-shaped.

Yes. We will cover your home buildings and contents for loss or damage caused by flood.

Yes. We offer Contents Accidental Loss or Damage and Buildings Accidental Damage cover. They are optional covers that you can choose to include with your policy.

You nominate the total sums insured for your buildings and contents which are then covered on a new-for-old basis.

The amount you select will be shown on your schedule.

Yes. You have the option to include Contents Accidental Loss or Damage cover which covers your contents anywhere you take them. T&Cs and limits apply; full details are available in the PDS.

When you lodge a claim, you’re required to pay an excess. The following excesses may be applicable and can be found on your policy schedule:

Basic Excess

The Basic Excess is the amount you must pay in relation to each and every claim made under your policy. You may get the option to select the amount of your Basic Excess, which will be shown on your policy schedule. Where the event is completely the fault of a third party that you can identify, and we can locate and whose liability can be established, we may waive payment of the Basic Excess.

Additional Excess

We may require an Additional Excess to be paid in certain circumstances under your policy. The exact situations where this would apply and the amount of the Additional Excess will be shown on your policy schedule.

One Excess

If you make a claim for the same incident on more than one Youi policy, you’ll only need to pay one excess. The incident must be a single event that occurs at the same address and time, and the applicable excess will be the highest excess amount noted on the relevant policies.

You can choose to add optional cover for accidental injury for your pets.

Building

Home buildings are the private domestic residence and other structures at the premises, including permanently attached fixtures, fittings and structural improvements, but excluding earthworks. 
 
Contents 
 
Home contents are your personal possessions, including fitted carpets, curtains and blinds, which are kept at your premises.

We cover the reasonable cost of emergency repairs needed to make your home buildings safe and secure following an insured event.

Yes. Youi offers the following product features specifically where you have told us that you are a landlord.

• Landlord’s Loss of Rent
• Landlord’s Furnishings
• Lessee/Tenant: Default and Damage (optional)

Our policies normally renew automatically, however if you prefer you can call us to opt out of automatic renewal. We will send your renewal offer to you about four weeks before your current policy ends and continue to debit the premium on the renewed policy using your payment details unless you have opted out of automatic renewal. If you have opted out of automatic renewal you will need to contact us to accept your renewal offer.

If you wish to make changes at renewal (or at any other time during the period of insurance) please call 13 YOUI (9684).