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Home Insurance

From severe weather to other unexpected events, our homes go through a lot. Find you-shaped home insurance that covers what matters most to you when you need it most.

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At Youi, we take the time to listen. All you need to do? Choose the home insurance cover that suits your home – and your life.

Building & Contents Insurance

Building Insurance

Contents Insurance

Landlord Insurance

Why homeowners choose Youi home insurance

We believe that you-shaped home insurance should only ever be about one thing – you!

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24/7 Claims

Make a home insurance claim while the details are still fresh, then track its progress in real time with our mobile app.

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Repair guarantee

Quality repairs, guaranteed

If you need to make a home insurance claim, we’ll guarantee the quality of all authorised repairs for as long as you’re the owner of the insured property.1

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Repair guarantee

One event, one excess

Making a building and contents claim for the same incident at the same time? If you have both types of home insurance with Youi, you’ll only need to pay one excess – whichever is the highest of the two.2

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Youi's Canstar most satisfied customers for home insurance 2024 - 2025

Voted #1 for customer satisfaction again.
Thanks, Australia.

Thanks to our wonderful customers and the experts at Canstar, we’ve taken home the Most Satisfied Customers in Australia award for 2024 and 2025 for our you-shaped home insurance.

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Owner, renter, landlord – choose the home insurance that suits you

Whether it’s your home or investment property or you’re renting, we have home insurance options that might suit your needs.

Building & Contents Insurance

Cover for your home and belongings from a range of events.

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  • Damage caused by accidental fire.3
  • Loss or damage caused by storm, including lightning, wind, hail and snow.3
  • Loss or damage caused by escaping water.4
  • Temporary accommodation for up to 12 months if you can’t live at your home due to an insured event.5
Building & contents insurance

Building insurance

Cover your property’s structure for a range of events.

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  • Damage or loss to your home caused by accidental fire3

  • The cost of temporary emergency repairs to make the home safe and secure and prevent further loss or damage6

  • Temporary accommodation for up to 12 months if you can’t live at your home after an insured event5

Building insurance

Contents insurance

Cover your belongings for a range of events.

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  • Damage caused by bushfire or accidental fire, as well as soot and smoke damage caused by bushfire3

  • Loss or damage caused by flooding or storm – including lightning, wind, hail and snow3

  • Loss or damage caused by theft, or attempted theft7

Contents insurance

Landlord insurance

Cover for your investment property and rental income.

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  • Cover for loss or damage caused by fire, flooding, storm3 or escaping water4

     

  • Cover for the cost of temporary emergency repairs to make the building structure safe and secure, and prevent further loss or damage6

     

  • Where the premises is unliveable after an insured event and a claim has been paid, we’ll cover your loss of rent – being a reasonable rental amount – for up to 12 months7

Landlord insurance

Building & Contents Insurance

Cover for your home and belongings from a range of events.

Start a quote
  • Damage caused by accidental fire.3
  • Loss or damage caused by storm, including lightning, wind, hail and snow.3
  • Loss or damage caused by escaping water.4
  • Temporary accommodation for up to 12 months if you can’t live at your home due to an insured event.5
Building & contents insurance

Building insurance

Cover your property’s structure for a range of events.

Start a quote

  • Damage or loss to your home caused by accidental fire3

  • The cost of temporary emergency repairs to make the home safe and secure and prevent further loss or damage6

  • Temporary accommodation for up to 12 months if you can’t live at your home after an insured event5

Building insurance

Contents insurance

Cover your belongings for a range of events.

Start a quote

  • Damage caused by bushfire or accidental fire, as well as soot and smoke damage caused by bushfire3

  • Loss or damage caused by flooding or storm – including lightning, wind, hail and snow3

  • Loss or damage caused by theft, or attempted theft7

Contents insurance

Landlord insurance

Cover for your investment property and rental income.

Start a quote

  • Cover for loss or damage caused by fire, flooding, storm3 or escaping water4

     

  • Cover for the cost of temporary emergency repairs to make the building structure safe and secure, and prevent further loss or damage6

     

  • Where the premises is unliveable after an insured event and a claim has been paid, we’ll cover your loss of rent – being a reasonable rental amount – for up to 12 months7

Landlord insurance
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Compare home insurance options

Not sure which policy is right for you? Compare our Building and Contents insurance options then consider starting your home insurance quote.

Compare home insurance

What do our home insurance policies cover?

Whether you’re insuring your home, its contents, or both, we know that some things are non-negotiable. That’s why both our Building and Contents policies offer several key inclusions as standard. 

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Storm and fire damage

We’ll cover your property for loss or damage caused by flooding or a storm – including lightning, wind, hail and snow – and bushfire or accidental fire, as well as bushfire-related soot and smoke damage.3

Theft and intentional damage

If you experience burglary or attempted theft at your insured property, we’ll cover loss or damage to your home’s structure, contents or both, depending on your policy.7 You’re also covered for intentional damage.7

Explosions and riot damage

Our home insurance policies cover damage or loss to your insured property caused by rioting, civil commotion and accidental explosion.7

Animal and impact damage

We’ll cover loss or damage to the insured property caused by an animal8 or by impact, such as by falling power poles, trees or TV antennas.7

Escaping water

We’ll cover loss or damage caused by escaping water – whether it happens suddenly and without warning or slowly over time and you couldn’t have reasonably been aware of it.4

Legal liability

If an accident results in death, bodily injury, or damage to someone else’s property, we’ll cover up to $20 million of your legal liability.9 You’ll be covered for accidents relating to your buildings, contents or both, depending on your policy.

Clean up and professional fees

We’ll help cover the cost of demolishing, removing debris and related professional fees for engineers, architects and surveyors when a claim is accepted under your building insurance – up to 20% of the sum insured amount.7

Temporary cover at a new address

Moving to a new residence? We’ll continue to cover your contents at your new permanent address for up to 14 days from the day you start your move if you have contents cover with us.11

Feel supported as a renter

If you’re a tenant, the landlord’s fixtures and fittings that you’re responsible for are covered for loss or damage due to an insured event for up to 10% of the contents sum insured amount.7

We’ll cover your property for loss or damage caused by flooding or a storm – including lightning, wind, hail and snow – and bushfire or accidental fire, as well as bushfire-related soot and smoke damage.3

If you experience burglary or attempted theft at your insured property, we’ll cover loss or damage to your home’s structure, contents or both, depending on your policy.7 You’re also covered for intentional damage.7

Our home insurance policies cover damage or loss to your insured property caused by rioting, civil commotion and accidental explosion.7

We’ll cover loss or damage to the insured property caused by an animal8 or by impact, such as by falling power poles, trees or TV antennas.7

We’ll cover loss or damage caused by escaping water – whether it happens suddenly and without warning or slowly over time and you couldn’t have reasonably been aware of it.4

If an accident results in death, bodily injury, or damage to someone else’s property, we’ll cover up to $20 million of your legal liability.9 You’ll be covered for accidents relating to your buildings, contents or both, depending on your policy.

We’ll help cover the cost of demolishing, removing debris and related professional fees for engineers, architects and surveyors when a claim is accepted under your building insurance – up to 20% of the sum insured amount.7

Moving to a new residence? We’ll continue to cover your contents at your new permanent address for up to 14 days from the day you start your move if you have contents cover with us.11

If you’re a tenant, the landlord’s fixtures and fittings that you’re responsible for are covered for loss or damage due to an insured event for up to 10% of the contents sum insured amount.7

View the PDS

Download the new, more you-shaped, app

Check out the new-look Youi app. It’s lighter, it’s brighter, and it’s now even easier for you to navigate and find the things you’re looking for.

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Optional covers for you-shaped home insurance

We get that you might need a bit more cover to suit your situation. That’s why, on top of our standard policy inclusions, we offer optional cover that you can request when you’re completing your home insurance quote. These will attract an additional premium.

Contents accidental loss or damage

Cover for accidental loss or damage to contents at your home and away from it.7

Buildings accidental damage

Cover for accidental damage to your home’s structures and permanently attached fixtures and fittings up to the amounts shown on your policy schedule for accidental damage to your buildings.7

Contents in commercial storage

Cover of up to $20,000 per claim if your contents – excluding jewellery – are lost or damaged due to the insured events of fire, earthquake, explosion, riot, storm, impact or intentional damage while in a commercial storage facility.7

Business items

Cover of up to $5,000 per incident for your work equipment, instruments and tools, at and away from your home, to help with the cost of repairing or replacing them if they are lost or damaged due to an insured event.7

Lessee/tenant default and damage

If the occupancy cover type noted on your policy schedule is landlord, you can add cover for theft and intentional damage caused by your tenants – and the people they allow onto the property – and for loss of income if they default on their rent payments.7

Cover for accidental loss or damage to contents at your home and away from it.7

Cover for accidental damage to your home’s structures and permanently attached fixtures and fittings up to the amounts shown on your policy schedule for accidental damage to your buildings.7

Cover of up to $20,000 per claim if your contents – excluding jewellery – are lost or damaged due to the insured events of fire, earthquake, explosion, riot, storm, impact or intentional damage while in a commercial storage facility.7

Cover of up to $5,000 per incident for your work equipment, instruments and tools, at and away from your home, to help with the cost of repairing or replacing them if they are lost or damaged due to an insured event.7

If the occupancy cover type noted on your policy schedule is landlord, you can add cover for theft and intentional damage caused by your tenants – and the people they allow onto the property – and for loss of income if they default on their rent payments.7

Seniors home insurance

Home insurance for seniors

If you’re a retiree — or close to being one — you may be looking for home insurance coverage to suit your needs and your lifestyle. Our contents insurance covers a wide range of personal belongings — including sporting & medical equipment, memorabilia collections, and motorised personal transportation devices12 — while our Building Insurance includes temporary emergency repairs and suitable temporary accommodation after an insured event, 24/7 claims lodgement, and more.5,6 It’s designed to help you feel secure and comfortable in your golden years.

Home insurance for seniors

Contents insurance if you’re a renter

We hope it never happens to you, but if you ever walk through your door to find your laptop, camera, family heirloom or other prized belongings missing or damaged, contents insurance might cover the repairs or replacement.7

Contents insurance for renters
Contents insurance for renters

Manage, make and monitor claims online

Manage your policy with ease

Sign into your account to view your policy documents, find your policy number, update your personal details and renew your home insurance.

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Make and track your claim

Whether it’s for an unexpected incident or following a major storm, lodge your claim online or via our mobile app, then use our Claims Tracker to keep tabs on its progress.

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Read our home insurance PDS

Explore our Product Disclosure Statement (PDS) to understand your policy’s features, benefits, conditions and exclusions.

Read our PDS

Manage your policy with ease

Sign into your account to view your policy documents, find your policy number, update your personal details and renew your home insurance.

Log in

Make and track your claim

Whether it’s for an unexpected incident or following a major storm, lodge your claim online or via our mobile app, then use our Claims Tracker to keep tabs on its progress.

Make a claim

Read our home insurance PDS

Explore our Product Disclosure Statement (PDS) to understand your policy’s features, benefits, conditions and exclusions.

Read our PDS
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How much is home insurance?

The cost of home insurance depends on a range of factors, including – but not limited to – the level of cover and the location, size and age of your home, protection systems you’ve installed, and your claims history. To find out how much your premium is likely to cost, you might like to start your home insurance quote with Youi.

You can enter your home address and details into the Cotality Sum Sure calculator to estimate your rebuild cost – also known as your sum insured – before you get your home insurance quote.

Home insurance calculator

Home insurance FAQs

Got questions about our home insurance? Find the answers here or give us a call.

Home insurance helps cover the costs of repairing or replacing your home after an insured event. Building insurance covers the structural elements of your property, while contents insurance is for the items and belongings you keep inside.

What home insurance covers varies depending on the provider and policy type. Youi’s ​​Home insurance, for example, covers loss or damage to the insured property for:

  • Some natural disasters such as earthquakes, fires, storms and flooding3
  • Other incidents, such as impact, explosion7 and escaping water4
  • Riots, theft, animal and intentional damage.7

Youi Home insurance also covers the cost of:

  • Suitable temporary accommodation for owner occupiers if you can’t live at home after an insured event5
  • Up to $1,000 for replacement keys and locks if your keys are stolen7
  • Broken glass or ceramics up to 10% of the value of your contents sum insured7
  • Temporary emergency repairs to your home’s structure if you have buildings cover6
  • Professional and clean up fees up to 20% of your sum insured value10
  • Replacing or repairing burnt out electric motors7
  • Funeral expenses up to $5,000 if you die as a direct result of an insured event for which a claim has been paid7
  • If you have buildings cover, modifying your home if you become impaired by permanent quadriplegia or paraplegia as a direct result of an insured event for which a claim has been paid up to $5,000.7

Explore our Building and Contents insurance for a full list of policy inclusions.

Youi defines ‘building/s’ to mean the private domestic residence and other structures at the premises, including permanently attached fixtures, fittings and structural improvements, but excluding earthworks.13

We define ‘contents’ to mean the personal possessions that belong to you which are kept inside your private domestic residence – including fitted carpets, curtains and blinds – or kept inside other structures at the premises that are fully enclosed and lockable and that you have exclusive use of. If you own a strata title property, contents can also include the fixtures and fittings that are not legally part of the building, such as kitchen and bathroom units.13

Understanding these definitions and descriptions might help you choose which type of Youi Home insurance is right for you – and get a more accurate home insurance quote.

How much your home insurance costs depends on several factors. These can include the address, house type, its size and the year it was built. Your premium will also depend on the level of home insurance cover and excess you choose.

Yes, Youi offers Buildings Accidental Damage cover and Contents Accidental Loss or Damage cover as optional add-ons to our building insurance and contents insurance policies. These will attract an additional premium.7

This means you can expand your home insurance coverage to suit your circumstances, if you need to.

You nominate the total sums insured for your buildings and contents, which are then covered for repair or replacement on a new-for-old basis up to those amounts. The amount/s will be listed on your policy schedule. For your buildings sum insured, you can get an estimate of what it would cost to rebuild your house with the Cotality Sum Sure calculator to help you complete your home insurance quote.

At Youi, we give you the choice to add optional covers such as Contents Accidental Loss or Damage, which covers your contents anywhere you take them. See our PDS for full details.

If you have Youi contents insurance, high-value belongings like artwork are automatically covered up to $15,000 per item. If the item is worth more, you can list it with its specific replacement value.7

Jewellery isn’t automatically included in your contents cover. If any individual jewellery item, pair or set is worth more than $15,000, you’ll need to list its replacement value. For other jewellery valued at $15,000 or under, you can set a lump sum value for the total replacement value for all jewellery items (except for those already individually specified). You may also want to look into Accidental Loss or Damage as an optional cover to protect your jewellery when it’s worn or taken away from your home.7

At Youi, when you make a claim and it’s accepted, you’ll be required to pay an excess – this will be the combined total of the basic excess, and any other applicable excess listed on your policy schedule. Here’s a brief breakdown of the different types of excess that may apply:

  • Basic excess: The first amount you must pay for every claim made under your home insurance policy. You may be able to choose your basic excess amount when setting up your policy.
  • Additional excess: Sometimes we may require an additional excess to be paid in certain circumstances listed in your policy schedule.
  • Delayed notification storm excess: An additional excess – listed on your policy schedule – may apply if a claim is made on your buildings policy under the insured event of storm more than 90 days after the incident occurred.
  • Unoccupied excess: If at the time of the incident covered by your policy, the property has been unoccupied for more than 60 continuous days, an additional excess – listed on your policy schedule – will apply.

Youi’s building insurance covers the cost of temporary emergency repairs needed to make your home safe and secure – and prevent further damage – following an insured event.6

Yes. When you let us know that you’re a landlord, you can access cover for:

  • Landlord’s Loss of Rent
  • Landlord’s Furnishings
  • Lessee/Tenant: Default and Damage (optional cover).

Find out more about our landlord insurance options.

You can make a claim – and track its progress – on our website or app anytime. Prefer to speak to someone to lodge your claim? Give us a call.

With Youi, you and your spouse or de facto partner can take out a home insurance policy together. We even have an article you can read before starting your home insurance quote – home insurance considerations when moving in with a partner.

Our home insurance policies normally renew automatically unless you choose to opt out. We’ll send your renewal offer to you about four weeks before your current home insurance policy ends and continue to debit the premium on the renewed policy using your payment details. To opt out, give us a call.

Guides

Explore our range of how-to guides, explainers and articles to make the most of your Youi home insurance policy.

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Is Your Home Underinsured?

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Choosing Home Insurance Cover for Your Holiday Home

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Common Mistakes Buyers Can Make When Purchasing Building and Contents Insurance

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Handling Home Insurance Cover After a Renovation

Whether you’re making a few upgrades around the house or you’re undergoing a full-blown renovation, when things change around the house your home insurance should too.

Useful Links

What people are saying

Excellent Youi Trustpilot star rating
Youi Insurance 5 star Trustpilot review
19 Jun 2025

Human touch

Speedy service with consistent follow ups, not long wait times for calls before speaking to a person. Love the human touch, cheers team.

Erin
Youi Insurance 5 star Trustpilot review
17 Jun 2025

Amazing service with Youi, every time

Every time I contact Youi for an insurance quote I get amazing, friendly, warm, knowledgeable, helpful service. Your team are superstars!

Abbie
Youi Insurance 5 star Trustpilot review
13 Jun 2025

Extraordinary customer service

We had a complex situation which was handled with compassion, respect and efficiency. We are so grateful for the patience and understanding of the person we spoke to. She is an excellent representative for Youi.

Ruth
Youi Insurance 5 star Trustpilot review
31 May 2025

Frank’s assistance

Frank’s phone manor understanding and compassion was amazing made me feel at ease and comfortable prompt service call back and reassurance was also commendable

Margaret
Youi Insurance 5 star Trustpilot review
29 May 2025

Good Service, Good Price.

Ash was awesome. Answered all my questions and what I’m getting with my policy and paying is way better than my previous policy with another company. Easy, no stress and saved good money, what more could you ask for.

Daryl
Youi Insurance 5 star Trustpilot review
28 May 2025

Absolutely the best service

Absolutely the best service I have ever received lovely friendly staff and my claim was done quickly I was shocked how easy it was done I’m so glad I switched to Youi

Deborah
Youi Insurance 5 star Trustpilot review
30 Apr 2025

5 stars all the way

5 stars all the way! Fast, efficient and super friendly when making a claim. We wouldn’t be insured with anyone else. Thanks so much.

Sue
Youi Insurance 5 star Trustpilot review
30 Apr 2025

Excellent customer service

Excellent customer service, everything was explained thoroughly & the operator answered all questions. The amount I saved by going through Youi was extraordinary. I will be recommending Youi to everyone.

Paul
Youi Insurance 5 star Trustpilot review
29 Apr 2025

Make the call - Another great interaction with Youi…

Another great interaction with Youi regarding my upcoming insurance policy renewal, she was lovely and friendly which makes me a happy customer and I managed to save some dollars

Kathryn
Youi Insurance 5 star Trustpilot review
26 Apr 2025

Satisfied customer

I’ve insured both my car and home with Youi for several years, and each time I call to review my premiums, I’m consistently impressed by their flexibility and already competitive rates. Their customer service is personalised and genuine—unlike the impersonal, scripted approach common with many other insurers.

Gavin

Disclaimers

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

1 Where we arrange, authorise and pay a service provider for repairs, we will guarantee the quality of the repairs for as long as you are the owner of the insured property. The guarantee includes the rectification of any defects caused by poor workmanship, or faulty materials, related to these repairs. Some exclusions apply. See the PDS for full details.
2 If you, your spouse or de facto claim for the same incident on more than one Youi policy, for a single event occurring at the same address and time, only one excess is payable. The excess will be the highest excess payable.
3 Where you have increased your sum insured 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 flood, storm, hail or bushfire during the first 72 hours of your policy first being purchased is excluded unless certain conditions apply. Exclusions and limits may apply. For full details, see the PDS, TMD and your policy schedule.
4 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 and limits apply. See the PDS for full details.
5 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 for which a claim is accepted under your building policy. The most we will pay for each claim is 10% of the buildings sum insured. Exclusions and limits apply. See the PDS for full details.
6 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. Exclusions apply.
7 Exclusions and/or limits apply. See the PDS for full details.
8 Loss or damage caused by pets or other animals allowed onto the premises, or loss or damage caused by or arising from vermin or insects is not covered. Exclusions and limits apply. See the PDS for full details.
9 Legal liability cover under your building policy includes your legal liability arising from an accident that occurs at the insured premises during the term of the policy and if the accident arises in connection with you owning the premises. Your contents policy includes your legal liability arising from an accident that occurs anywhere in Australia during the term of the policy which arises in relation to you or your contents and does not arise in connection with you owning a building. Exclusions and limits apply. See the PDS for full details.
10 We will cover the cost of demolishing and removing buildings and/or contents debris (depending on whether you have buildings and/or contents cover) from the premises, and related professional fees for an engineer, architect or surveyor when a claim is accepted, up to 20% of the building and/or contents sum insured. Exclusions and limits apply. See the PDS for full details.
11 To continue cover for the contents after 14 days from the day you start your move to the new permanent address, you will need to take out a new policy for the new permanent address.
12 Exclusions, limits, terms and conditions apply. See the PDS for full details.
13 There are certain exclusions to the definition of ‘building/s’ and ‘contents’. For full details, see the PDS.