Australia Post Home Insurance

Australia Post Home and Contents InsuranceInformation correct as at 13 June 2016.
Australia Post (AusPost) is a provider of home and contents insurance, car insurance, travel insurance, travel money, gift cards, and SMSF solutions.

“Put your home and contents in safe hands.”

Policy Options: What Australia Post home insurance covers

The inclusions below represent a selection of the features available. Additional conditions may apply to different features. Please ensure that you read the product disclosure statement to determine all the current loan terms and conditions for the product you are considering.

CANSTAR is an information provider and in giving you product information CANSTAR is not making any suggestion or recommendation about a particular product. If you decided to apply for a home loan, you will deal directly with a financial institution, and not with CANSTAR. Rates and product information should be confirmed with the relevant financial institution. For more information, read our detailed disclosure, important notes and additional information.

Compare Home and Contents Insurance

Home and Contents Insurance

  • Liability cover for damage to other people and their property caused by an incident at your home connected to you owning or living there, up to $20 million.
  • Damage or loss of your home building and its contents caused by fire, explosion, theft or attempted theft, vandalism or malicious damage, riot, storm and rainwater, lightning, earthquake, escaped liquid, sudden impact. Excludes flood damage. Please note that, as we have specified above, additional conditions may apply.
  • Accidental breakage of glass, ceramics, and sanitary fixtures.
  • Replacement of locks and keys if keys to home are stolen, up to $500.
  • Demolition and removal of debris, and extra costs of rebuilding, up to reasonable and necessary costs.
  • Temporary accommodation while your home is unliveable, up to reasonable costs until repairs or rebuilding is complete, for up to 12 months.
  • Discharge of mortgage fees if your building is a total loss, up to $750, excluding penalty fees.
  • Modifications to your home if you become a paraplegic or quadriplegic, up to $5,000.
  • Funeral expenses if you pass away as a result of an insured event to your home, up to $7,000.
  • Outdoor contents stored in open air, up to $1,000.
  • Credit card fraud cover, up to $1,000.
  • Guests’ property, up to $500.
  • Contents temporarily removed from your home, up to 20% of contents sum insured.
  • Contents temporarily in transit while moving within Australia, up to 20% of your contents sum insured.
  • Unattached equipment and spare parts for a caravan or trailer, motor vehicle, or watercraft, up to $500.
  • Optional cover for loss or damage of personal effects anywhere in Australia or New Zealand and for 30 days overseas.
  • Optional cover for fusion damage (burn-out of electrical motors).
  • Optional cover for spoilage of perishable food.
  • Optional cover for accidental damage.
  • Optional cover for 25% gap cover additional to sum insured.

Building Only Insurance

  • Liability cover for damage to other people and their property caused by an incident at your home connected to you owning or living there, up to $20 million.
  • Damage or loss of your home building caused by fire, explosion, theft or attempted theft, vandalism or malicious damage, riot, storm and rainwater, lightning, earthquake, escaped liquid, sudden impact. Excludes flood damage, high tide, tidal wave, tsunami, or storm surge.
  • Demolition and removal of debris, up to 10% of building sum insured.
  • Accidental breakage of glass.
  • Temporary accommodation while your home is unliveable, up to 10% of building sum insured.

Contents Only Insurance

  • Liability cover for damage to other people and their property caused by an incident at your home connected to you owning or living there, up to $20 million.
  • Damage or loss of your home’s contents caused by fire, explosion, theft or attempted theft, vandalism or malicious damage, riot, storm and rainwater, lightning, earthquake, escaped liquid, sudden impact. Excludes flood damage.
  • Limits apply to sum insured for certain items: hand woven rugs ($2,500 total); cash, cheques, and other negotiable financial documents ($800 total); CDs, DVDs, computer software, and games consoles ($3,000 total); firearms ($2,000 total); home office equipment ($12,000 total); jewellery and watches (up to $1,000 per item or set, up to $5,000 total); silver and gold items (up to $2,000 per item or set); artworks (up to $5,000 per item or set, up to $12,000 total); collections (up to $2,000 per collection); tools of trade (up to $2,000).
  • Contents temporarily removed from your home, up to 20% of contents sum insured.

Landlord Insurance

  • Cover is the same as standard Home and Contents Insurance or Building Only Insurance policy depending on your choice, along with standard extras applying to Landlord Insurance:
  • Loss of rent while rental property cannot be occupied, up to the amount of rental income lost, for up to 12 months.
  • Optional cover for tenant default.
  • Optional cover for theft and malicious damage by tenant or tenant’s visitors.

Policy Benefits: Why choose AusPost

  • Online discount: A discount of up to 35% applies if you buy a Gold Home and Contents policy online.
  • Claims process: 24/7 claims helpline.

About Australia Post

Founded in 1809, Australia’s postal service was created by former convict Isaac Nichols, who was appointed to take charge of all mail arriving into the young Colony of New South Wales. He ran our first Post Office out of his home on George Street in Sydney. He would list the names of people who had received mail in The Sydney Gazette, and the person picking up their mail paid with a shilling per letter, or more for parcels. Certain members of the upper class had their mail hand-delivered personally by Nichols.

Today, Australia Post employs people from 137 different countries, speaking 65 different languages. Australia Post is keen for people with a disability to lead fulfilling lives, so 6.9% of their employees have a disability of some kind. As for gender equality, Australia Post is doing fine, with their executive workforce being 34% women.

Australia Post’s distinctive “P” logo was introduced in 1975.

Did you know? Australia Post is completely self-funded and doesn’t take any money from taxpayers, despite being a government-owned company.

How Australia Post supports the community

  • Community grants: The Our Neighbourhood community grants program supports projects and organisations that create positive change in neighbourhoods across Australia. The focus is on local communities, regional and remote communities, socially disadvantaged people, Indigenous Australians, cultural and linguistic diverse groups, people with a disability, and small businesses (of up to 20 employees). National Community Partners that Our Neighbourhood sponsors include Infoxchange, The Pyjama Foundation, and Netball Australia.
  • Jobs for refugees: Since 2010, Australia Post has partnered with Foundation House in the Ucan2 program, providing mentors and casual employment opportunities for refugees aged 16-24.
  • Sponsoring worthy causes: Australia Post sponsors other worthy causes including the Red Cross, the Banksia Sustainability Awards, the GiveEasy donations mobile app, The Big Issue, and Schools Connect Australia work experience programs.
  • Farm ecommerce: Farmhouse is an online farmers’ market that provides an ecommerce method for farmers to sell their produce online without a middle man.
  • Literacy skills: Australia Post is breeding a new generation of literacy-savvy youngsters with their Education website packed with free resources for teachers and students about writing, collectables, and the postal system.

How Australia Post protects the environment

  • Free recycling: Since 2008, Australia Post has partnered with MobileMuster to make it easy for us to recycle our old mobile phones. Simply pick up a satchel and post the mobile to the recycling centre for free. As of 2015 more than 283,000 MobileMuster satchels have been posted, meaning more than 60 tonnes of mobile phone handsets, batteries and chargers have been recycled rather than sent to landfill. AusPost also recycles printer cartridges through the Cartridges 4 Planet Ark program, since 2003. They have also recycled over 4 million cigarette butts to date.
  • Emissions: So far carbon emissions have been reduced by 14% compared to 2000 levels, which is on track to meet a 25% reduction by 2020.

Posties: New motorbikes, vans, and sedans have enhanced fuel efficiency for the Postie Fleet, by as much as 60% for bike riders. AusPost has also launched Australia’s first 100% electric commercial van.

Compare Home Building Only Insurance

Compare Contents Only Insurance

Written by: TJ Ryan