If your home is the target of burglary, theft or attempted theft, we’ll cover the loss or damage caused to the insured property.1
We’ll cover the costs of repairing your home if it is damaged by accidental fire – including bushfire, soot, smoke, or fire caused by mechanical, electronic or electrical failure.3
Earthquakes aren’t as common in Australia, but it’s still good to be prepared. If an earthquake damages your property, we’ll handle the repair costs.1
Explosions can cause serious damage to a home. That’s why we cover the cost of repairs if your home is damaged in an accidental explosion.1
If your insured property is damaged in a riot or other civil commotion, we’ll cover the costs to repair it.1
With Youi’s Building insurance, you’re covered for damage caused by storm, lightning, wind, hail and snow.3
We cover loss or damage to your property caused by floods, and landslip or subsidence that occurs within 72 hours of – and directly because of – a flood during your Building insurance policy period.3
We’ll cover loss or damage caused to your insured property from escaping water that occurs suddenly and without warning, or so slowly over time that you couldn’t reasonably have been aware of it.4
Whether it’s a falling tree, a power pole, a satellite dish or space debris, you’re covered for loss or damage to your insured property caused by impact.1
If your insured property is damaged by an intentional act – such as vandalism – we’ll cover the repair costs, as long as the damage wasn’t caused by you, a tenant, or someone you or your tenant allowed onto the property.1
We’ll cover loss or damage to your home caused by an animal that isn’t your pet or kept or allowed onto the property. Vermin, insect and bird damage isn’t covered, unless the bird is accidentally trapped inside.5
If an accident happens at your insured property and you’re held liable for injury, property damage or death, we’ll cover up to $20 million under your Building insurance policy.6
If you can’t live in your owner-occupied home due to an insured event, if a claim is accepted we’ll cover the costs – up to 10% of the building’s sum insured – for temporary accommodation for up to 12 months while things get sorted.7
We’ll cover up to $1,000 after excess towards the cost of repairing or replacing burnt out electric motors fitted at your property caused by mechanical failure, electrical failure or a power surge.1
If glass or ceramics fitted at your property accidentally break, we’ll cover up to 10% of your building’s sum insured, after excess, to replace them.1
If the keys to your home are stolen, we’ll pay up to $1,000 after excess to replace your keys and locks.1
We’ll cover up to 20% of your building’s sum insured for clean-up and professional costs required after an insured event once a claim is accepted, such as debris removal or surveyor fees.8
After an insured event, once a claim is accepted, we’ll cover the cost of emergency repairs to help make your building safe and secure and prevent further loss or damage.9
We’ll provide up to $5,000 to modify your home if an insured event leaves you with permanent quadriplegia or paraplegia, and a claim under your policy has been paid.1
If the unthinkable happens and you lose your life as a result of an insured event, we’ll pay $5,000 to your estate, provided the Building insurance claim is paid.2
We’ll cover you for up to $10,000 after excess for any damage to, or soiling of, your home as a result of physical assault or death or the investigation relating to them.1
We’ll pay up to $1,000 after excess to for uninstalled building fixtures, fittings and materials that are lost or damaged in an insured event.1
Unexpected events can take a toll on more than your property. We’ll reimburse up to $1,500 per household member for counselling after an accepted claim.1
