The people agree
Looking to combine your home and contents together in one cover you can count on? Feel good about choosing Youi – a Highly Trusted insurer as voted by the people through Mozo.
We offer cover for the big events like storms, fire and theft – plus we’ll look after more things too with temporary accommodation of up to 12 months, removal of debris, and even counselling after a traumatic event.
We back up our product with our famous customer service. We answer 90% of calls within 20 seconds, and we have a 95% Claims Satisfaction Rating. They’re numbers we’re really proud of.
Dedicated Claims Team
Need to claim? Our claims team will look after you every step of the way.
Up to $1,500 per household member to cover the cost of counselling sessions after a claim.
Looking for another way to save on your insurance? Choose an excess that works better for your back pocket.
Cover for loss or damage to your building and contents caused by theft, attempted theft or burglary.
We’ll cover your building and contents against damage caused by accidental fire. We’ll also cover your contents for soot and smoke damage caused by bushfire.
Cover for loss or damage to your building and/or contents caused by earthquake.
Cover for loss or damage caused by accidental explosion.
Loss or damage caused by riot or civil commotion is covered as standard.
We’ll cover your building and/or contents against loss or damage caused by storm, including lightning, wind, hail and snow.
Flood cover is included as standard with your Home policy.
Cover for loss or damage caused by escaping water.
You’re covered if your building and/or contents are lost or damaged due to impact.
Loss or damage to your building and/or contents that is caused intentionally by any one not living at the premises is automatically covered.
Cover for loss or damage to your home or contents caused by an animal.
We’ve got you covered to the tune of $20million for your legal liability to pay damages due to a claim for an accident that results in death, bodily injury or damage to someone else’s property.
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.
Storage of Undamaged Contents
Cover to store any undamaged contents until they can be returned to the premises.
Burnout of Electric Motors
We’ll pay for the reasonable cost of repairing or replacing burnt out electric motors caused by mechanical, electrical or electronic failure.
Broken Glass and Ceramics
This covers the cost of replacing your broken glass or ceramics up to a value of 10% of the amount your contents are insured for.
Locks and Keys
We’ll pay up to $1,000 for replacement keys and locks if the keys to your home are stolen.
Clean Up and Professional Fees
Up to 20% of the building sum insured to pay any associated clean up and professional costs.
Cover for the reasonable cost of emergency repairs to make the building safe and secure and prevent further loss or damage.
Up to $5000 to modify your home if you or a member of your household is impaired by permanent quadriplegia or paraplegia as a result of an insured event.
Cover for loss or damage to contents kept outside on your property up to a maximum of $20,000.
Contents in Transit
We’ll cover your contents if they are lost or damaged due to a motor accident or fire whilst they are in the truck of a professional removalist.
Cover while you move
If you’re moving home we’ll automatically cover your contents at your new address for up to 14 days.
If you’re renting and your landlord’s fitted carpets, fixtures or fittings are lost or damaged due to an insured event we’ll cover the cost to repair or replace them so you don’t have to.
$250 per household member, up to a maximum of 6 people, to replace perishable food or medicines that are lost or damaged as the result of an insured event.
We’ll pay $5000 to you or your estate towards funeral expenses if you or a household member dies as a result of an insured event.
Damage from Injury or Incident
In certain circumstances we will pay up to $10,000 for damage to, or soiling of, your home or contents. Read the PDS for more info.
Vehicle Spare Parts and Accessories
Up to $500 to cover loss or damage, as a result of an insured event, to spare parts and tools, as long as they are not on or in a vehicle.
Uninstalled Building Fixtures, Fittings and Materials
If you have building cover with us, we'll pay up to $1000 for loss or damage to uninstalled building fixtures, fittings and materials caused as the result of an insured event.
If you, or a member of your immediate family, are lucky enough to give birth to twins (or more!) we’ll give you $100 per baby.
If you have contents cover and hit a hole-in-one at an official golf club competition or break an officially recognised international sporting award, we’ll give you $200.
Need mental health services? Youi covers up to $1,500 per household member for counselling sessions after a claim.
Up to $1000 of cover for loss or damage to your guests' contents as a result of an insured event.
Your home and everything in it is unique, so if there's something you want to protect that's not automatically included, then browse through our range of optional extras.
Contents Accidental Loss or Damage
Cover for your contents against accidental loss or damage, at or away from your home – no matter where you take them.
Buildings Accidental Damage
Cover for your Buildings up to your sum insured for damage caused accidently.
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.
Protect your livelihood with up to $5000 cover for your business tools if they are lost or damaged as the result of an insured event.
Up to $1000 towards vet fees if your cat or dog is injured due to an accident.