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Building and contents insurance
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Dedicated Claims Team

Need to claim? Our claims team will look after you every step of the way.

Counselling Services

Up to $1,500 per household member to cover the cost of counselling sessions after a claim.

Flexible Excess

Looking for another way to save on your insurance? Choose an excess that works better for your back pocket.

We’ve created a better kind of Building and Contents insurance

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.

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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.

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.

Cover for the reasonable cost of emergency repairs to make the building safe and secure and prevent further loss or damage.

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.

Up to 20% of the building sum insured to pay any associated clean up and professional costs.

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.

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.

Cover for loss or damage to contents kept outside on your property up to the tune of $2500.

$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 for the reasonable cost of repairing or replacing burnt out electric motors caused by mechanical, electrical or electronic failure.

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.

We’ll pay up to $500 for replacement keys and locks if the keys to your home are stolen.

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.

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

Hit a hole-in-one or bowl a full house at an official club competition or break an officially recognised international sporting award and we’ll give you $200.

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.

Need mental health services? Youi covers up to $1,500 per household member for counselling sessions after a claim.

What's optional?

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.

Cover for your contents against accidental loss or damage, at or away from your home – no matter where you take them.

Cover for your Buildings up to your sum insured for damage caused accidently.

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.      

Want to learn more? Check out the PDS for full cover details.