National Seniors Home & Contents Insurance

National Seniors is a provider of home and contents insurance, car insurance and caravan insurance.

Compare home and contents insurance

What do National Seniors home and contents insurance policies cover?

National Seniors lets you choose from home insurance, contents insurance or a combined home and contents insurance policy. National Seniors’ home insurance policies are issued by Allianz.

Home Insurance

National Seniors says its home insurance is designed to protect the physical structures that make up your home building, like the house itself, as well as the garage, decks, sheds and more.

Features of National Seniors home insurance include cover for:

  • Events like fire, storm and theft
  • Accidental breakage of glass or ceramics
  • Vandalism or malicious damage
  • Alternative accommodation for you and your pets
  • Debris removal
  • Rebuilding and professional fees
  • Making your buildings environmentally friendly if they are destroyed and need to be rebuilt

Contents Insurance

National Seniors says its contents insurance is designed to protect your belongings at your home, such as furniture, appliances, computers, clothing and shoes from certain events.

Features of National Seniors’s contents insurance include cover for:

  • Events like fire, storm and theft
  • Accidental breakage of glass or ceramics
  • Vandalism or malicious damage
  • Additional costs of alternative accommodation for you and your pets
  • Debris removal
  • Emergency contents storage
  • Guest or visitor property
  • Moving house
  • Spoilage of perishable food or medicine
  • Veterinary costs

Combined home and contents insurance

National Seniors home and contents insurance offers all of the above benefits and inclusions of both home insurance and contents insurance in a combined package. At the time of writing, National Seniors says policyholders may be eligible for a discount of up to 10% on their first year’s premium when purchasing a new policy online.

How do I apply for a National Seniors home and contents insurance policy?

To apply for a National Seniors home and contents insurance policy, you can get a quote from National Seniors by either calling them directly, or requesting one online via their website.

Compare home and contents insurance

National Seniors FAQs

What’s the difference between National Seniors building and National Seniors contents insurance?

As a general rule, building insurance covers any part of your house that is permanently fixed and not intended to move, such as your walls and roof, or kitchen benchtops. Contents insurance covers all the items within your house that are not permanent fixtures, i.e. you could move them between houses. Find out more about home and contents insurance here.

How much National Seniors home insurance should I take out?

If you have a recent and accurate estimate for the value of your home and contents, then it’s often a good idea to insure up to that particular sum to get your exact money’s worth.

If you don’t have an accurate idea of this value, then you could look for a complete replacement home insurance policy to give yourself peace of mind, though bear in mind that while you’re less likely to be underinsured, the premiums for a total replacement may be more expensive than for a sum-insured one. Find out how much home insurance you need and how much contents insurance you need.

How do I make a claim with National Seniors?

If something happens to your home or contents, you can either lodge a claim online using Allianz’s claim service or call Allianz. It’s worth having your policy number and details of the incident at hand.

I’m currently renting. Do I need National Seniors home insurance?

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. However, as a renter you can still consider contents insurance if you want to protect your own possessions.

Some providers offer specialised renters insurance policies. In many cases, though, renters insurance is the same or very similar to a contents insurance policy. It may be the case that when applying for a standard contents insurance policy, you simply need to specify to the insurer that you’re a tenant.

If you are a renter, you can purchase a contents-only policy from National Seniors.

I’m a landlord. Do I need National Seniors home insurance?

For landlords, a specific landlord insurance policy could be an option to consider. Landlord insurance is designed to cover you for the same things as a home insurance policy, but with several additions to cover you against risks from having tenants in your property.

About National Seniors

National Seniors Insurance has been providing older Australians with insurance for 30 years. National Seniors Insurance is a service of National Seniors Australia, a not-for-profit organisation for older Australians.

This content was reviewed as part of our fact-checking process.

Written by: Tamika Seeto | Last updated: October 6, 2021