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Home and Contents Insurance

Get in touch for a home and contents insurance quote that’s a bit more you-shaped.

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Youi Home and Contents insurance gives you the best of both worlds - cover for your home and what’s inside - so you’re prepared for the unexpected.

Why choose Youi Building and Contents insurance?

We’re big on the basics. Why complicate it? We give you the info you need so you can choose the home and contents insurance that works for you.

What does our Building and Contents insurance cover?

Theft

Cover for loss or damage to your building and contents caused by theft, attempted theft or burglary at the premises.2

Fire

We’ll cover your building and contents for damage caused by accidental fire, including soot and smoke.5

Explosion

Cover for loss or damage to your building and contents caused by accidental explosion.2

Riot

We cover loss and damage to your building and contents caused by riot or civil commotion.2

Storm

When wild weather strikes, we’ll cover loss or damage caused by storm, including lightning, wind, hail, and snow.5

Flood

Flood cover comes standard with Youi Building and Contents insurance policies.5

Earthquake

When the ground shifts during an insured event, your building and contents are covered for loss or damage caused by an earthquake.6

Escaping Water

Burst pipe in the kitchen or bathroom? We’ll cover loss or damage to your building and contents caused by escaping water that occurred suddenly and without warning or slowly over time and you couldn’t reasonably have been aware of it.7

Impact

Cover for loss or damage to your insured property due to impact such as falling branches, trees or power poles.2

Intentional Damage

Cover for loss or damage caused intentionally by someone not living at or invited onto the premises.2

Animal Damage

Cover for loss or damage to your building and contents resulting or arising from an animal, excluding pets, vermin, insects and certain bird behaviours.8

Legal Liability

Up to $20 million cover for legal claims involving accidents that cause death, bodily injury or damage to someone else’s property.9

Temporary Accommodation – insured events

If an insured event makes your owner-occupied home unliveable, we’ll cover the cost – up to 10% of the building’s sum insured - for temporary accommodation for up to 12 months.10

Storage of Undamaged Contents

We’ll cover storage and transport for undamaged items after an insured event if they cannot be kept at the premises – up to 10% of your contents sum insured – until they can be returned to your home.14

Burnout of Electric Motors

Cover for the reasonable cost – up to $1,000 after excess – of repairing or replacing burnt out electric motors caused by mechanical or electrical failure.2

Broken Glass and Ceramics

If glass or ceramics at your property accidentally break, we’ll spot the repair or replacement costs – up to 10% of your building’s or content’s sum insured after excess.2

Locks and Keys

We’ll pay up to $1,000 after excess to replace your keys and locks if your house keys are stolen.2

Clean Up and Professional Fees

After an insured event, we’ll pay up to 20% of your building’s or content’s sum insured for cleanup and professional services like debris removal or surveyor fees.3

Emergency Repairs

We’ll cover the reasonable cost of temporary emergency repairs to make your building safe and secure and help prevent further loss or damage when a claim is accepted.11

Buildings Modifications

Cover of up to $5,000 to modify your home if you are impaired by permanent quadriplegia or paraplegia due to an insured event.2

Contents Outside

We’ll pay for loss or damage caused by an insured event to contents located outside on your property. The most we will pay for each claim is 10% of the contents sum insured, up to a limit of $20,000 after excess.1

Contents in Transit

If your items are lost or damaged due to a motor vehicle accident or fire while in a professional removalist truck, we’ll cover up to 20% of the contents sum insured after excess.2

Temporary Cover at a New Address

Moving to a new permanent address? Consider your contents covered at the new address under your existing policy for up to 14 days from the first day of your move.2

Tenant’s Liability

If you’re renting and an insured event causes loss or damage to your landlord’s fitted carpets, fixtures or fittings, and you’re responsible for arranging cover for those items under the terms of your rental or lease agreement, we’ll cover it. The most we will pay for each claim is 10% of the contents sum insured after excess.2

Funeral Expenses

We’ll provide up to $5,000 to your estate if you pass away due to an insured event.

Damage from Injury or Incident

As a result of physical assault or death or the police investigations relating to them, we’ll cover up to $10,000 after excess for damage to or soiling of your home and contents.2

Vehicle Spare Parts and Accessories

Up to $500 after excess for loss or damage to spare parts, tools and accessories caused by an insured event – provided they’re not in or on the vehicle.2

Uninstalled Building Fixtures, Fittings, and Materials

Cover up to $1,000 after excess for loss or damage to uninstalled building fixtures, fittings and materials caused by an insured event.2

Counselling Services

Need a little extra support after an insured event? We cover up to $1,500 per household member for counselling sessions after a claim is accepted.2

Guests’ Contents

Cover up to $1,000 for loss or damage to your guests’ contents due to an insured event.2

Cover for loss or damage to your building and contents caused by theft, attempted theft or burglary at the premises.2

We’ll cover your building and contents for damage caused by accidental fire, including soot and smoke.5

Cover for loss or damage to your building and contents caused by accidental explosion.2

We cover loss and damage to your building and contents caused by riot or civil commotion.2

When wild weather strikes, we’ll cover loss or damage caused by storm, including lightning, wind, hail, and snow.5

Flood cover comes standard with Youi Building and Contents insurance policies.5

When the ground shifts during an insured event, your building and contents are covered for loss or damage caused by an earthquake.6

Burst pipe in the kitchen or bathroom? We’ll cover loss or damage to your building and contents caused by escaping water that occurred suddenly and without warning or slowly over time and you couldn’t reasonably have been aware of it.7

Cover for loss or damage to your insured property due to impact such as falling branches, trees or power poles.2

Cover for loss or damage caused intentionally by someone not living at or invited onto the premises.2

Cover for loss or damage to your building and contents resulting or arising from an animal, excluding pets, vermin, insects and certain bird behaviours.8

Up to $20 million cover for legal claims involving accidents that cause death, bodily injury or damage to someone else’s property.9

If an insured event makes your owner-occupied home unliveable, we’ll cover the cost – up to 10% of the building’s sum insured - for temporary accommodation for up to 12 months.10

We’ll cover storage and transport for undamaged items after an insured event if they cannot be kept at the premises – up to 10% of your contents sum insured – until they can be returned to your home.14

Cover for the reasonable cost – up to $1,000 after excess – of repairing or replacing burnt out electric motors caused by mechanical or electrical failure.2

If glass or ceramics at your property accidentally break, we’ll spot the repair or replacement costs – up to 10% of your building’s or content’s sum insured after excess.2

We’ll pay up to $1,000 after excess to replace your keys and locks if your house keys are stolen.2

After an insured event, we’ll pay up to 20% of your building’s or content’s sum insured for cleanup and professional services like debris removal or surveyor fees.3

We’ll cover the reasonable cost of temporary emergency repairs to make your building safe and secure and help prevent further loss or damage when a claim is accepted.11

Cover of up to $5,000 to modify your home if you are impaired by permanent quadriplegia or paraplegia due to an insured event.2

We’ll pay for loss or damage caused by an insured event to contents located outside on your property. The most we will pay for each claim is 10% of the contents sum insured, up to a limit of $20,000 after excess.1

If your items are lost or damaged due to a motor vehicle accident or fire while in a professional removalist truck, we’ll cover up to 20% of the contents sum insured after excess.2

Moving to a new permanent address? Consider your contents covered at the new address under your existing policy for up to 14 days from the first day of your move.2

If you’re renting and an insured event causes loss or damage to your landlord’s fitted carpets, fixtures or fittings, and you’re responsible for arranging cover for those items under the terms of your rental or lease agreement, we’ll cover it. The most we will pay for each claim is 10% of the contents sum insured after excess.2

We’ll provide up to $5,000 to your estate if you pass away due to an insured event.

As a result of physical assault or death or the police investigations relating to them, we’ll cover up to $10,000 after excess for damage to or soiling of your home and contents.2

Up to $500 after excess for loss or damage to spare parts, tools and accessories caused by an insured event – provided they’re not in or on the vehicle.2

Cover up to $1,000 after excess for loss or damage to uninstalled building fixtures, fittings and materials caused by an insured event.2

Need a little extra support after an insured event? We cover up to $1,500 per household member for counselling sessions after a claim is accepted.2

Cover up to $1,000 for loss or damage to your guests’ contents due to an insured event.2

Optional cover options

Make sure your home insurance works for you and your family by choosing from our range of optional cover options.

Contents Accidental Loss or Damage

If your contents get accidentally damaged during an insured event – at home or out and about – this option will cover them up to the amounts shown on your policy schedule.6

Buildings Accidental Damage

Whether it’s a DIY mishap or an unexpected hole in the wall, accidents happen. With this optional add-on, you’re covered for accidental damage to your home – up to the amount listed on your insurance policy.6

Contents in Commercial Storage

Contents stored in a commercial storage facility will be covered for insured events of fire, earthquake, explosion, riot, storm, impact, and intentional damage for up to $20,000 after excess.6

Business Items

Cover business items against accidental loss or damage – at home, across Australia or even overseas for up to 45 days. The most we will pay for each claim is $5,000, after excess.6

If your contents get accidentally damaged during an insured event – at home or out and about – this option will cover them up to the amounts shown on your policy schedule.6

Whether it’s a DIY mishap or an unexpected hole in the wall, accidents happen. With this optional add-on, you’re covered for accidental damage to your home – up to the amount listed on your insurance policy.6

Contents stored in a commercial storage facility will be covered for insured events of fire, earthquake, explosion, riot, storm, impact, and intentional damage for up to $20,000 after excess.6

Cover business items against accidental loss or damage – at home, across Australia or even overseas for up to 45 days. The most we will pay for each claim is $5,000, after excess.6

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Compare home insurance policies

Still working out which of Youi’s Building and Contents insurance policies is right for you?

Cover to suit your circumstances

At Youi, we offer home insurance policies that may fit your situation. 

Be it Building insurance for landlords, Contents insurance for renters or Home insurance for seniors, it’s about finding insurance that’s a bit more you-shaped.

Lodge it, track it, stay in the know

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How much does home insurance cost?

The cost of home insurance depends on factors like your home’s size, age, features and building type. Your location and neighbourhood can also impact your premium. Enter your home address and details into the CoreLogic calculator to help determine your sum insured – a key factor in how much your home insurance could cost.

For a more accurate sense of how much home insurance for your property will cost, start your building and contents insurance quote.

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Award-winning insurance

We’re not in it for the accolades but winning the Canstar Most Satisfied Customer Award for Home Insurance two years running, and sustaining an ‘Excellent’ 4.7/5 Trustpilot score is a good reminder of who we do it for - you!

What people are saying

Excellent Youi Trustpilot star rating

Home and contents insurance FAQs

Questions about our Building and Contents insurance? Scroll to find the answers.

For building and contents insurance, the word ‘building’ simply means the structural parts of your home – things like the frame, walls and windows – rather than the items stored inside, which may fall under contents insurance. For more info, see our Home and Contents insurance Key Fact Sheet (KFS).

Home and contents insurance usually covers the cost to repair or replace your home and personal items if they are damaged or stolen. Depending on your insurance provider and the specific policy you’ve chosen, you may choose to add on any optional features for additional cover.

For example, Youi’s Building and Contents insurance covers – among other things – the cost of replacing your accidentally broken glass and ceramics, changing your locks and keys, and repairing a burnt-out electric motor.2 However, other features – such as injury to a pet, damage to contents in storage, or accidental damage to your building or contents – are only available as add-ons.6

The cost of home and contents insurance depends on a range of factors, including your home’s age, location, size, building type, security features, as well as your claims history and level of cover. For an accurate cost for your property, start your building and contents insurance quote.

Building insurance covers the property’s structure, whereas contents insurance covers the things inside the property.

  • Building insurance covers the structural elements of the property, including the house, garage, fencing and driveways.
  • Contents insurance covers the items inside the property, such as appliances, furniture, curtains, carpets, and clothing.

Whether or not your contents are covered away from home depends on the type of insurance policy and optional covers you choose. With Youi’s Building & Contents insurance, we might cover some of your possessions even if they’re not at the insured property at the time they’re lost, damaged or stolen. The best way to find out is by reading our PDS.

The contents you keep in storage – that is, away from your property, on a site operated by a third-party company – are not covered as standard with a Youi Building & Contents insurance policy. However, our Contents in Commercial Storage optional cover can be added to your policy.6

With a Youi Building & Contents insurance policy, your carpets - plus your curtains and blinds - count as contents, which means they’re covered for insured events.

If you have the optional Business Items cover added to your policy, your business items will be covered for accidental loss or damage while they’re at the premises, anywhere in Australia or New Zealand, or in any other country – provided your total stay doesn’t exceed 45 consecutive days.6

Home and contents insurance guides

Brush up on how to make the most of your building and contents insurance policy with our articles and guides.

Brush up on how to make the most of your building and contents insurance policy with our articles and guides.

Disclaimers

Home Insurance issued by Youi Pty Ltd. Consider the Home PDS and TMD to decide if this product is right for you.

1 We will cover loss or damage caused by an insured event to contents located outside at the premises or inside structures at the premises that are not fully enclosed or lockable. The most we will pay for each claim is 10% of your contents sum insured, up to a limit of $20,000 after excess. Limits and exclusions apply See the PDS for full details.
2 Limitations and exclusions may apply. See the PDS for full details.
3 We will cover the cost of demolishing and removing buildings debris from the premises, and related professional fees for an engineer, architect or surveyor when a claim is accepted, up to 20% of the building sum insured. See the PDS for full details.
4 Refers to average call answer times for Customer Services, excluding calls to Youi Roadside Assist.
5 Exclusions and limits may apply. Where you have increased your cover or reduced your excess within 72 hours of a flood, storm, hail or bushfire occurring, cover will be limited to the amount that was effective prior to the change. Loss, damage or legal liability caused by, resulting or arising from flood, storm, hail or bushfire during the first 72 hours of your policy first being purchased is excluded unless certain conditions apply. See the PDS, TMD and your policy schedule for full details.
6 Limitations and exclusions apply and there are waiting periods or additional fees for certain types of cover. Full details are in the PDS and TMD, which we recommend you consider before making any decisions regarding our products.
7 Cover available for 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. Exclusions apply. See the PDS for full details.
8 Exclusions apply. Loss or damage caused by pets or other animals allowed onto the premises, vermin or insects is not covered. See the PDS for full details.
9 Legal liability cover under your building and contents policy includes your legal liability arising from an accident that occurs during the term of the policy and if the accident arises in connection with you owning the premises or arises in relation to you or your contents. Limits and exclusions apply. See the PDS for full details.
10 For owner occupied homes, we will pay the actual cost you incur for temporary accommodation for up to 12 months if you cannot live at the premises after an insured event. The most we will pay for each claim is 10% of the buildings sum insured. Limits and exclusions apply. See the PDS for full details.
11 Where a claim is accepted under your building policy, we will cover the cost of temporary emergency repairs needed to prevent further loss or damage and make your buildings safe and secure. See the PDS for full details.
12 This amount will only be paid once during the term of your policy. No excess is applied to a claim under this benefit. See the PDS for full details
13 We will pay the reasonable cost to transport the undamaged contents to and from storage and store the undamaged contents until they can be returned to the premises. The most we will pay for each claim is 10% of the contents sum insured. Limits and exclusions apply. See the PDS for full details.
14 We will pay the reasonable cost to transport the undamaged contents to and from storage and store the undamaged contents until they can be returned to the premises. The most we will pay for each claim is 10% of the contents sum insured. Limits and exclusions apply. See the PDS for full details.