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