Australian Seniors Insurance Agency Home & Contents Insurance

australian seniors insurance agency

Australian Seniors Insurance Agency is an insurance provider for over 50s. Australian Seniors provides home and contents, car, landlord, travel, funeral and pet insurance.

Compare Australian Seniors Insurance Agency home and contents insurance

The table below displays a snapshot of Australian Seniors Insurance Agency’s home and contents insurance policies on Canstar’s database, sorted by Star Rating. The results are based on a policyholder over 50 years of age in Victoria for building and contents worth less than $550,000. If you are considering an Australian Seniors home and contents insurance policy, check upfront with Australian Seniors and read the Product Disclosure Statement (PDS) to confirm the details of the policy and whether it meets your needs before committing to it.

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What do Australian Seniors Insurance Agency home and contents insurance policies cover?

Australian Seniors offers building insurance, contents insurance and combined building and contents insurance.

Australian Seniors offers two levels of coverage across its home and contents insurance policies:

  • Essential cover – provides a general level of cover
  • Top cover – the most comprehensive home and contents policy offered by Australian Seniors, including accidental damage cover, higher policy limits and other benefits.

Building insurance

Australian Seniors’ building insurance includes cover for the following:

  • Loss or damage to your building caused by a variety of insured events such as fire and explosion, malicious damage, theft, storm, rainwater, flood, accidental glass breakage, lightning, earthquake, riot and impact damage (such as a falling tree)
  • Emergency accommodation
  • Temporary accommodation for your dogs and/or cats
  • Damage to trees, plants or shrubs
  • Discharge of mortgage costs
  • Loss of rent following damage

Contents insurance

Australian Seniors’ contents insurance includes cover for the following:

  • Loss or damage to your contents caused by a variety of insured events
  • Emergency storage of contents
  • Contents temporarily removed from your home
  • Contents in transit to new address in Australia
  • Guests’ contents
  • Document replacement
  • Contents in the open air
  • Food spoilage

Building and contents insurance

Australian Seniors’ buildings and contents insurance offers all of the above benefits of both buildings insurance and home contents insurance in a combined package. At the time of writing, Australian Seniors says you can save up to 30% when you buy both buildings and contents cover on the one policy.

For a complete list of inclusions and exclusions, make sure to read the Product Disclosure Statement (PDS).

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Australian Seniors Insurance Agency Home and Contents Insurance FAQs

As a renter, you generally don’t need home insurance because your landlord should have insurance for the building you live in, and if you live in a unit, apartment or townhouse, the body corporate is legally required to have building insurance for the building. But you should consider getting contents insurance to protect your own possessions.

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For landlords, you can consider home or landlord insurance. Landlord insurance is designed to cover you for many of the same things as a home insurance policy, but with several additions to cover you against risks related to having tenants occupying your property.

Australian Seniors’ landlord insurance policies offer cover for a range of insured events (think fire, storm, flood and theft) as well as malicious acts and thefts by tenants. It also offers rent default and legal expenses as an optional benefit.

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If you have a recent and accurate estimate of the value of your home and contents, then you could consider insuring up to that particular sum.

If you don’t have an accurate idea of the above value, then you could consider insuring for a complete replacement.

You can make a claim with Australian Seniors over the phone or online by completing the relevant claim form.

Australian Seniors was founded in 1998 out of a desire to provide cost-effective insurance solutions for mature Australians, a market it says is “too often ignored”.

Australian Seniors says it works with insurance underwriters that understand the better risk nature of Australians over 50.

It says its vision is to provide a range of innovative, quality and affordable insurances for over 50s, whether they are working, pensioners or self-funded retirees.

Compare home and contents insurance policies with Canstar

The table below displays a snapshot of home and contents insurance policies on Canstar’s database, with links direct to the providers’ websites. The results are sorted by Star Rating (highest to lowest), followed by provider name (A-Z), and are based on a policyholder over 50 years of age in Victoria for building and contents worth less than $550,000. If you are considering a home and contents insurance policy, check upfront with the provider and read the Product Disclosure Statement (PDS) to confirm the details of the policy and whether it meets your needs before committing to it.

Written by: Tamika Seeto | Last updated: March 19, 2019