home insurance.

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

Flood means the covering of normally dry land by water that has escaped or been released from the normal confines of a lake, river, creek, reservoir, canal, dam or other watercourse.

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&C’s and limits apply; full details are available in the PDS.

When you make a claim you will be required to pay an excess. The following excesses may apply to your claim and will be shown 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 have multiple policies with Youi and you lodge a claim for damage that occurs at the same place arising from the same single event, you will only be required to pay one excess.

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

Building

Home buildings are the private domestic residence and other buildings at the premises, including permanently attached fixtures, fittings and structural improvements, but excluding earthworks.

Contents

Home contents are the removable property and items you are legally responsible for, which are kept inside your home or other secure buildings on the property, including fitted carpets, curtains and blinds.

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

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).