A happy customer receiving a bike after a home contents claim
Award-winning

home insurance.

Rather than make assumptions about the cover you need, we listen closely and ask the right questions to understand what you find important. It’s award-winning home insurance for individuals like you.

Rather than make assumptions about the cover you need, we dig deeper and ask the right questions to understand what you find important. It’s award-winning home insurance for individuals like you.

AWARD-WINNING INSURANCEFinder Most Satisfied Customers

Youi's Finder award for Most Satisfied Customers for Home Insurance 2023 Youi's Finder Most Satisfied Customers in QLD for Car Insurance 2023 award
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Compare our home insurance cover.

We’ve got a number of options to suit the level of home insurance you’re looking for. From Building & Contents, to Building, Contents, and Landlord insurance, they all offer top quality cover for your home. Take a look and start a quote today.

Home insurance made simple.

Wherever possible, we try to make things easy for you. Whether it's managing your policy, getting in touch with us, making a claim or accessing deals and discounts, we want your Youi experience to be a great one.

Our relevant PDSs contain more information, please consider our relevant PDS when deciding if this product is appropriate for you. Find our PDSs and TMDs here.

^ Where a repair is completed by an authorised Youi repairer, Youi guarantees the quality of the repair for as long as you remain the owner of the item.

Home insurance features

Along with awesome service, Youi home insurance gives you access to a range of features and inclusions, to help protect your home and belongings.

More features VIEW THE PDS

24/7 claims

Our insurance claims team will be there for you from start to finish during the claims process, and we can help with emergency claims 24/7.

Clean up and professional fees

We’ll give you up to 20% of the building sum insured to pay any associated clean up and professional costs after an insured event.

Cover while you move

If you’re moving home we’ll automatically cover your contents at your new address for up to 14 days.

Escaping water

Loss or damage to the insured property caused by escaping water that occurred:

  • Suddenly and without warning; or
  • Slowly over a period of time and you could not reasonably have been aware of it.

Storm and flood cover

We’ll cover your building and/or contents against loss or damage caused by storm, including lightning, wind, hail, snow and flood waters.

Tenants liability

Loss or damage caused by an insured event to your landlord’s fitted carpets, fixtures and fittings for tenants of rental properties.

One event, one excess

If a single event impacts more than one of your items insured under different Youi policies at the same address, you’ll only pay the higher of the 2 excesses.

Temporary accommodation

If you can’t live at your home due to an insured event we’ll pay the costs for your temporary accommodation for up to 12 months.

Our insurance claims team will be there for you from start to finish during the claims process, and we can help with emergency claims 24/7.

We’ll give you up to 20% of the building sum insured to pay any associated clean up and professional costs after an insured event.

If you’re moving home we’ll automatically cover your contents at your new address for up to 14 days.

Loss or damage to the insured property caused by escaping water that occurred:

  • Suddenly and without warning; or
  • Slowly over a period of time and you could not reasonably have been aware of it.

We’ll cover your building and/or contents against loss or damage caused by storm, including lightning, wind, hail, snow and flood waters.

Loss or damage caused by an insured event to your landlord’s fitted carpets, fixtures and fittings for tenants of rental properties.

If a single event impacts more than one of your items insured under different Youi policies at the same address, you’ll only pay the higher of the 2 excesses.

If you can’t live at your home due to an insured event we’ll pay the costs for your temporary accommodation for up to 12 months.

More features VIEW THE PDS

Home optional extras

We get that sometimes you might need a bit of extra cover to suit your situation. Which is why, on top of our standard home insurance policy inclusions, we offer a suite of optional extras for you to add, allowing you to update your policy until it's just right.

Accidental loss or damage

Cover for your contents against accidental loss or damage, at or away from your home.

Buildings accidental damage

Cover for your buildings up to the limit in your policy schedule for damage caused accidentally.

Contents in commercial storage

Protect up to $20,000 worth of contents in storage against loss or damage caused by fire, earthquake, explosion, riot, storm, impact and intentional damage.

Business Items

Protect your livelihood with up to $5,000 cover for your business tools, excluding home office equipment, if they are lost or damaged as the result of an insured event.

Pet Injury

Up to $1,000 per insurable year towards vet fees if your cat or dog is injured due to an accident.

Cover for your contents against accidental loss or damage, at or away from your home.

Cover for your buildings up to the limit in your policy schedule for damage caused accidentally.

Protect up to $20,000 worth of contents in storage against loss or damage caused by fire, earthquake, explosion, riot, storm, impact and intentional damage.

Protect your livelihood with up to $5,000 cover for your business tools, excluding home office equipment, if they are lost or damaged as the result of an insured event.

Up to $1,000 per insurable year towards vet fees if your cat or dog is injured due to an accident.

Happy homeowners admiring their home after a Youi claim
 

Whatever your claim. Big or small. We're onto it.

From major catastrophes to everyday accidents, we believe that every claim should get the same level of care and support. You can be confident we’ll go above and beyond to get onto it and get your claim moving.

Home insurance FAQs

Got questions about our home insurance options? You might find the answers here.

VIEW THE PDS

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).  

VIEW THE PDS

Read more around home insurance

We’ve put together the following articles to help you navigate your home insurance needs and answer some commonly-asked questions.

Home and contents insurance
Articles and Guides.

10 Mistakes to Avoid When Choosing Home and Contents Insurance

Precious family heirlooms, cherished jewellery, expensive appliances, technology and a lifetime’s worth of belongings – it goes without saying that your home and its contents are among your most valuable assets.
September 07, 2023
House with outdoor area
Articles and Guides.

Comparing Home and Contents Insurance Providers: What to Look For

If you’re like most people, your home is probably the most expensive and valuable asset you’ll ever own.
October 05, 2021