Australian Unity Home & Contents Insurance

Australian Unity is a provider of home and contents, health, travel, landlord, car and life insurances, home loans and banking products.

Compare Australian Unity home and contents insurance

The table below displays a snapshot of Australian Unity’s home and contents insurance policies on Canstar’s database, sorted by Star Rating. The results are based on a policyholder under 50 years of age in NSW or ACT for building and contents worth more than $550,000. If you are considering an Australian Unity home and contents insurance policy, check upfront with Australian Unity 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 Unity home and contents insurance policies cover?

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

Australian Unity provides two levels of coverage:

  • Home Cover: Covers a range of insured events such as fire, explosion, water damage and theft. Also includes new for old replacement and personal legal liability cover.
  • Home Cover Prestige: Covers a higher insurable value and includes cover against accidental or malicious damage and can provide extended cover for your contents if you take portable items out of your address.

Building insurance

According to Australian Unity, its building insurance includes coverage for:

  • Environmental upgrades following a claim
  • Accommodation costs
  • Mortgage discharge
  • Fusion of electric motors
  • External door locks
  • Building costs
  • Monitored alarm attendance after theft

Contents Insurance

Australian Unity says its contents-only insurance includes cover for:

  • When you move sites
  • Contents temporarily in storage
  • Food spoilage
  • Guests’ property
  • Contents temporarily in transit in your vehicle
  • Loss or theft of credit or transaction card
  • Vet expenses

Building and contents insurance

Australian Unity says its building and contents insurance offers the benefits of both building insurance and contents insurance in a combined package.

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

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Australian Unity 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.

For landlords, you can consider home or landlord 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 Unity landlord insurance policies offer cover you for a range of insured events (such fire and flood) as well as covering you for loss of rent. You can also add malicious damage or theft by tenants and rent default as optional extras.

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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 lodge a claim with Australian Unity by calling its 24/7 emergency claims number. Australian Unity advises that it may require you to complete a claim form and provide certain information.

Australian Unity is one of the nation’s oldest mutual companies and has been providing financial services to Australian communities for over 175 years. It was established in a Melbourne pub in 1840 when a group of eight people decided to form a friendly society with the aim of looking after the health and wellbeing of its members. Today, Australian Unity says its focus remains the same: take care of members and improve the wellbeing of Australians. As a mutual company, Australian Unity says it is owned by its members not by shareholders.

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 below 50 years of age in NSW or ACT for building and contents worth more 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