Youi Home & Contents Insurance

Youi home and contents insurance

Youi is a provider of home insurance, landlord insurance, car insurance, motorcycle insurance, watercraft insurance, caravan and trailer insurance, and business insurance.

“At Youi, we get you.”

Policy Options: What Youi home insurance covers

The inclusions below represent a selection of what is covered. Additional conditions may apply to different features. CANSTAR is not making any suggestion or recommendation to you about this product.  Please ensure that you read the product disclosure statement to determine all the current policy options and inclusions for the product you are considering.

Home and Contents

  • 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 accidental fire and bushfire, break-in or attempted break-in, or weather events such as storm, flood or earthquake, explosion, other water damage, impact, intentional damage by a non-occupier, or riot, up to sum insured.
  • Emergency repairs to make the building safe and secure and prevent further damage.
  • Temporary accommodation while your home is unliveable, for up to 12 months.
  • Clean up and professional cleaning fees, up to 20% of sum insured.
  • Contents in the open air, up to $2,500.
  • Contents in storage, up to $20,000.
  • Contents in transit while moving house 20% of sum insured
  • Automatic cover for contents at your new house for 14 days after you’ve moved.
  • Modifications of building for paraplegia and quadriplegia, up to $5,000.
  • Funeral expenses as a result of an insured event, up to $5,000.
  • Spoilage of perishable food and medicines, up to $500.
  • Broken glass or ceramics, up to 10% or sum insured.
  • Replacement of locks and keys after break-in, up to $500.
  • Win any sporting award at an official club competition, or break an officially recognised international sporting award, and Youi will give you a $200 reward.
  • Give birth to twins (or even more babies) and, at time of writing, Youi will give you a $100 reward per baby.
  • Optional cover for fusion damage (burn-out of electrical motors).
  • Optional cover for accidental damage, up to $5,000.
  • Optional cover for tools of trade, up to $5,000.
  • Optional cover for vet bills for an accidental injury to your pet, up to $1,000.
  • Optional cover for portable valuables while at and away from home.
  • Optional cover for your mobile phone while at and away from home.
  • Optional cover for jewellery stored at home.

Building Only

  • 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 accidental fire, break-in or attempted break-in, or weather events such as storm, flood or earthquake, explosion, other water damage, impact, intentional damage by a non-occupier, or riot, up to sum insured.
  • Emergency repairs to make the building safe and secure and prevent further damage.
  • Temporary accommodation while your home is unliveable, for up to 12 months.
  • Clean up and professional cleaning fees, up to 20% of sum insured.
  • Modifications of building for paraplegia and quadriplegia, up to $5,000.
  • Funeral expenses as a result of an insured event, up to $5,000.
  • Broken glass or ceramics, up to 10% or sum insured.
  • Replacement of locks and keys after break-in, up to $500.
  • Optional cover for fusion damage (burn-out of electrical motors).
  • Optional cover for accidental damage, up to $5,000.

Contents Only

  • 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 contents caused by accidental fire and soot/smoke from bushfire, theft or attempted theft, or weather events such as storm, flood or earthquake, explosion, other water damage, impact, intentional damage by a non-occupier, or riot, up to sum insured.
  • Temporary accommodation while your home is unliveable, for up to 12 months.
  • Contents in the open air, up to $2,500.
  • Contents in storage, up to $20,000.
  • Contents in transit while moving house.
  • Automatic cover for contents at your new house for 14 days after you’ve moved.
  • Modifications of building for paraplegia and quadriplegia, up to $5,000.
  • Funeral expenses as a result of an insured event, up to $5,000.
  • Spoilage of perishable food and medicines, up to $500.
  • Broken glass or ceramics, up to 10% or sum insured.
  • Replacement of locks and keys after break-in, up to $500.
  • Win any sporting award at an official club competition, or break an officially recognised international sporting award, and Youi will give you a $200 reward.
  • Give birth to twins (or even more babies) and Youi will give you a $100 reward per baby.
  • Optional cover for fusion damage (burn-out of electrical motors).
  • Optional cover for accidental damage, up to $5,000.
  • Optional cover for tools of trade, up to $5,000.
  • Optional cover for vet bills for an accidental injury to your pet, up to $1,000.
  • Optional cover for portable valuables while at and away from home.
  • Optional cover for your mobile phone while at and away from home.
  • Optional cover for jewellery stored at home.
  • Optional cover for your fixtures and fittings if you upgrade or renovate them and your home is part of a strata title.

Landlord Insurance

  • Building Only protection for your investment property, plus some Contents extras.
  • Liability cover for damage to other people and their property caused by an incident at the property you own, up to $20 million.
  • Damage or loss of building landlord owns or is responsible for, caused by fire, theft, and weather events including storm, flood and earthquake, explosion, other water damage, impact, intentional damage by a non-occupier, or riot, up to sum insured.
  • Emergency repairs to make the building safe and secure and prevent further loss or damage.
  • Clean up and professional cleaning fees, up to 20% of sum insured.
  • Broken glass or ceramics, up to 10% or sum insured.
  • Replacement of locks and keys after break-in, up to $500.
  • Loss of rent if building is unliveable, up to 12 months or 10% of buildings sum insured.
  • Damage or loss to furniture and furnishings provided by landlord for tenant’s use, including whitegoods up to $10,000.
  • Optional cover for rent default and theft by tenant.
  • Optional cover for accidental damage, up to $5,000.
  • Optional cover for fusion damage (burn-out of electrical motors).

Policy Benefits: Why choose Youi

  • New home discount: Save up to 47% on your premium if your home was built after 2005.
  • Claims process: Youi lets you make a claim online, and they also have a 24/7 phone helpline for claims. Youi gives you a dedicated claims advisor, so you have one point of contact throughout the progress of your claim from start to finish – no need to tell your story over and over.
  • One event, one excess: Even if you have to make claims on multiple policies with Youi for the same event, you only pay the one excess.
  • Premium cost-reducing measures: You can choose a higher excess to reduce your premium.

About Youi

Youi was founded in November 2008 and is based on the Sunshine Coast in Queensland. The company actually traces its origins back to 1998 through its sister company, OUTsurance.

At the time of writing, Youi advertises that it has an impressive 91% customer satisfaction rating on its online customer feedback Wall.

You may have seen Youi’s “We Get You” ads on TV advertising their personalised car insurance, or the “Out There With You” ads for their home and contents insurance.

How Youi supports the community

  • Youi@hand: Youi supports Red25 to donate blood through the Australian Red Cross, SCAR (Sunshine Coast Animal Refuge) to help abandoned animals become adopted into a new home, and the Compass Institute to empower young people with a disability.
  • YouiVersity: Youi creates diversity in the workplace by intentionally following the principle, “Hire character, train skill.”

Compare Home and Contents Insurance

Compare Home Building Only Insurance

Compare Contents Only Insurance

  Written by: TJ Ryan