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Home Insurance

We’re all about listening and treating you as an individual. In fact, it's our awesome service that sets our home insurance apart and has helped us pick up some great award wins and customer reviews.

FEATURES & INCLUSIONS
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WHEN CHANGE HAPPENS, THINK YOUI.

Changes, like working from home more, are part of life. When they happen, think Youi. We’re a car and home insurer that’s all about you and where your life’s at right now. Try us today and see what you could save.

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.

More FAQs 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.

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.

Buildings

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
More FAQs 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.

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