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Home Insurance

Discover you-shaped insurance for yourself.

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AWARD-WINNING INSURANCECanstar Most Satisfied Customers

Canstar Most Satisfied Customers - Home Insurance 2024
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At Youi, we take the time to listen. All you need to do? Choose the home insurance that suits your home – and your life.

Building & Contents Insurance

Building Insurance

Contents Insurance

Landlord Insurance

Why choose Youi home insurance?

We believe that you-shaped insurance should only ever be about one thing – you!

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24/7 Claims

Make a home insurance claim while the details are still fresh, then track its progress in real time with our mobile app.

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Repair guarantee

Quality repairs, guaranteed

If you make a claim, we’ll guarantee the quality of all authorised repairs for as long as you’re the owner of the insured property1 – taking the stress and guesswork out of getting your home repaired.

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Repair guarantee

One event, one excess

Making two buildings and contents claims for the same incident at the same time? If you have both buildings and contents insurance, you’ll only need to pay one excess – whichever is the highest of the two.2

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Youi's Canstar most satisfied customers for car insurance 2024 award

Voted #1 for customer satisfaction again.
Thanks Australia.

Thanks to our wonderful customers and the experts at Canstar, we’ve taken home the Most Satisfied Customers in Australia 2024 award for our you-shaped home insurance.

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Choose the home insurance that suits you

Whether it’s your home or investment property, we have options for whatever your place looks like.

Building & Contents Insurance

Cover for your home and belongings from a range of events.

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  • Damage caused by accidental fire.3
  • Loss or damage caused by storm, including lightning, wind, hail and snow.3
  • Loss or damage caused by escaping water.4
  • Temporary accommodation for up to 12 months if you can’t live at your home due to an insured event.6
Building & contents insurance

Building insurance

Cover your buildings’ structure from a range of events.

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  • Damage or loss to your building caused by accidental fire.3
  • The reasonable cost of temporary emergency repairs to make the building safe and secure and prevent further loss or damage.13
  • Temporary accommodation for up to 12 months if you can’t live at your home due to an insured event.6
Building insurance

Contents insurance

Cover your belongings from a range of events.

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  • Damage caused by bushfire or accidental fire, as well as soot and smoke damage caused by bushfire.3
  • Loss or damage caused by storm, including lightning, wind, hail and snow.3
  • Theft or damage caused by attempted theft.5
Contents insurance

Landlord insurance

Cover your investment property and rental income.

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  • Cover for loss or damage caused by fire, flood, storm3 or escaping water.4
  • Cover for the reasonable cost of emergency repairs to make the building safe and secure and prevent further loss or damage.5
  • If your building is not safe for your tenants to live in after an insured event, we’ll cover your loss of rent for up to 12 months.5
Landlord insurance

Building & Contents Insurance

Cover for your home and belongings from a range of events.

Start a quote
  • Damage caused by accidental fire.3
  • Loss or damage caused by storm, including lightning, wind, hail and snow.3
  • Loss or damage caused by escaping water.4
  • Temporary accommodation for up to 12 months if you can’t live at your home due to an insured event.6
Building & contents insurance

Building insurance

Cover your buildings’ structure from a range of events.

Start a quote
  • Damage or loss to your building caused by accidental fire.3
  • The reasonable cost of temporary emergency repairs to make the building safe and secure and prevent further loss or damage.13
  • Temporary accommodation for up to 12 months if you can’t live at your home due to an insured event.6
Building insurance

Contents insurance

Cover your belongings from a range of events.

Start a quote
  • Damage caused by bushfire or accidental fire, as well as soot and smoke damage caused by bushfire.3
  • Loss or damage caused by storm, including lightning, wind, hail and snow.3
  • Theft or damage caused by attempted theft.5
Contents insurance

Landlord insurance

Cover your investment property and rental income.

Start a quote
  • Cover for loss or damage caused by fire, flood, storm3 or escaping water.4
  • Cover for the reasonable cost of emergency repairs to make the building safe and secure and prevent further loss or damage.5
  • If your building is not safe for your tenants to live in after an insured event, we’ll cover your loss of rent for up to 12 months.5
Landlord insurance
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Compare home insurance

Not sure which policy is right for you? Compare our Building and Contents insurance options then consider starting your home insurance quote.

Compare home insurance

What do our home insurance policies cover?

Whether you’re insuring your home, its contents, or both, we know that some things are non-negotiable. That’s why both our Building and Contents policies offer several key inclusions as standard. 

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Storm and fire damage

We’ll cover your property against loss or damage caused by storm – including lightning, wind, hail, snow and flood – and accidental fire, as well as bushfire-related soot and smoke damage.3

Theft and intentional damage

If you experience burglary or attempted theft at your insured property, we’ll cover loss or damage to your building and contents.5 You’re also covered for intentional damage.5

Explosions and riot damage

Our home insurance policies cover damage or loss to your insured property caused by rioting, civil commotion and accidental explosion.5

Animal and impact damage

We’ll cover loss or damage to your insured home or contents caused by an animal or by impact, such as by falling power poles, trees or TV antennas.7

Escaping water

We’ll cover loss or damage caused by escaping water – whether it happens suddenly and without warning or slowly over time and you couldn’t have reasonably been aware of it.4

Legal liability

If an accident results in death, bodily injury or damage to someone else’s property, we’ll cover up to $20 million of your legal liability.8 You'll be covered for accidents relating to your buildings, contents or both, depending on your policy.

Clean up and professional fees

We’ll help cover the cost of demolishing and removing buildings debris and related professional fees for engineers, architects and surveyors when a claim is accepted under your buildings policy – up to 20% of the building’s sum insured amount.9

Cover while you move

Moving house? We’ll continue to cover your contents at your new permanent address for up to 14 days from the day you start your move if you have contents cover with us.10

Feel supported as a tenant

If you’re renting, the landlord’s fixtures and fittings that you’re responsible for are covered for loss or damage due to an insured event for up to 10% of the contents sum insured amount.5

We’ll cover your property against loss or damage caused by storm – including lightning, wind, hail, snow and flood – and accidental fire, as well as bushfire-related soot and smoke damage.3

If you experience burglary or attempted theft at your insured property, we’ll cover loss or damage to your building and contents.5 You’re also covered for intentional damage.5

Our home insurance policies cover damage or loss to your insured property caused by rioting, civil commotion and accidental explosion.5

We’ll cover loss or damage to your insured home or contents caused by an animal or by impact, such as by falling power poles, trees or TV antennas.7

We’ll cover loss or damage caused by escaping water – whether it happens suddenly and without warning or slowly over time and you couldn’t have reasonably been aware of it.4

If an accident results in death, bodily injury or damage to someone else’s property, we’ll cover up to $20 million of your legal liability.8 You'll be covered for accidents relating to your buildings, contents or both, depending on your policy.

We’ll help cover the cost of demolishing and removing buildings debris and related professional fees for engineers, architects and surveyors when a claim is accepted under your buildings policy – up to 20% of the building’s sum insured amount.9

Moving house? We’ll continue to cover your contents at your new permanent address for up to 14 days from the day you start your move if you have contents cover with us.10

If you’re renting, the landlord’s fixtures and fittings that you’re responsible for are covered for loss or damage due to an insured event for up to 10% of the contents sum insured amount.5

View the PDS

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Optional covers for you-shaped insurance

We get that you might need a bit more cover to suit your situation. That’s why, on top of our standard policy inclusions, we offer optional add-ons.

Contents accidental loss or damage

Cover for contents against accidental loss or damage at your home and away from it.5

Buildings accidental damage

Cover for accidental damage to your house’s structures and permanently attached fixtures and fittings up to the buildings sum insured noted on your policy schedule.5

Contents in commercial storage

Cover of up to $20,000 if your contents – excluding jewellery – are lost or damaged due to an insured event, such as fire, earthquake, explosion, riot, storm, impact or intentional damage while in a commercial storage facility.5

Business items

Cover of up to $1,000 per item to a maximum of $5,000 per incident for your work equipment, instruments and tools, at and away from your home, if they are lost or damaged due to an insured event.11

Pet injury

If you have contents insurance, you can add cover of up to $1,000 in vet costs per insured year for each pet if your cat or dog is accidentally injured.5

Lessee/tenant default and damage

If you have told us that you are a landlord, you can add cover for theft and intentional damage caused by your tenants – and the people they allow onto the property – and from loss of income if they default on their rent payments.11

Cover for contents against accidental loss or damage at your home and away from it.5

Cover for accidental damage to your house’s structures and permanently attached fixtures and fittings up to the buildings sum insured noted on your policy schedule.5

Cover of up to $20,000 if your contents – excluding jewellery – are lost or damaged due to an insured event, such as fire, earthquake, explosion, riot, storm, impact or intentional damage while in a commercial storage facility.5

Cover of up to $1,000 per item to a maximum of $5,000 per incident for your work equipment, instruments and tools, at and away from your home, if they are lost or damaged due to an insured event.11

If you have contents insurance, you can add cover of up to $1,000 in vet costs per insured year for each pet if your cat or dog is accidentally injured.5

If you have told us that you are a landlord, you can add cover for theft and intentional damage caused by your tenants – and the people they allow onto the property – and from loss of income if they default on their rent payments.11

Seniors home insurance

Home insurance for seniors

If you’re a retiree – or close to being one – you may be interested in the cover we provide for mobility scooters, including electric motor burnout, as part of our Contents insurance.12 Plus, our buildings cover includes temporary emergency repairs after an insured event,13 easy claims assistance, and more – designed to help you feel secure and comfortable in your golden years.

Home insurance for seniors

Contents insurance for renters

We hope it never happens to you, but if you ever walk through your door to find your laptop, camera, family heirloom – or something else – missing or damaged, contents insurance might cover the repairs or replacement.5

Contents insurance for renters
Contents insurance for renters

Manage, make and monitor claims online

Manage your policy with ease

Sign into your account to view your policy documents, find your policy number, update your personal details and renew your home insurance.

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Make and track your claim

Lodge your claim – anytime and anywhere – online or via our mobile app, then use our Claims Tracker to keep tabs on its progress.

Start a claim

Read our home insurance PDS

Explore our Product Disclosure Statement (PDS) to understand your policy’s features, benefits, conditions and exclusions.

Read our PDS

Manage your policy with ease

Sign into your account to view your policy documents, find your policy number, update your personal details and renew your home insurance.

Log in

Make and track your claim

Lodge your claim – anytime and anywhere – online or via our mobile app, then use our Claims Tracker to keep tabs on its progress.

Start a claim

Read our home insurance PDS

Explore our Product Disclosure Statement (PDS) to understand your policy’s features, benefits, conditions and exclusions.

Read our PDS
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How much is home insurance?

The cost of home insurance depends on a range of factors, including – but not limited to – your home’s location, size, age, level of cover, and your claims history. To find out the cost of your premium, start your home insurance quote with Youi.

Alternatively, enter your home address and details into the CoreLogic calculator to estimate your rebuild cost – also known as your sum insured.

Home insurance calculator

Home insurance FAQs

Got questions about our home insurance? Find the answers here or give us a call.

Home insurance helps cover the costs of repairing or replacing your home after an insured event. Buildings insurance covers the structural elements of your property, while contents insurance is for the items you keep inside.

What home insurance covers varies depending on the provider and policy type. Youi’s Building and Contents insurance, for example, covers loss or damage to the insured property from:

  • Natural disasters such as earthquakes, fires, floods and storms3
  • Other environmental factors, such as impact, explosion and escaping water4
  • Riots, theft, animal7 and intentional damage.5

Youi Home insurance also covers the cost of:

  • Temporary accommodation if you can’t live at home after an insured event6
  • Up to $1,000 for replacement keys and locks if your keys are stolen5
  • Broken glass or ceramics up to 10% of the value of your contents sum insured5
  • Emergency repairs12
  • Professional and cleanup fees up to 20% of your sum insured value9
  • Replacing or repairing burnt-out electric motors5
  • Funeral expenses up to $5,000 if you die as a direct result of an insured event for which a claim has been paid5
  • If you have Buildings cover, modifying your home if you become impaired by permanent quadriplegia or paraplegia as a direct result of an insured event for which a claim has been paid up to $5,000.5

Explore our Building and Contents insurance for a full list of policy inclusions.

Home buildings are defined as the private domestic residence and other structures at the premises, including permanently attached fixtures, fittings and structural improvements, but excluding earthworks. Home contents are your personal possessions that belong to you and which are kept inside your private domestic residence, including fitted carpets, curtains and blinds. If you own a strata property, contents can also include the other fixtures and fittings at the home, such as kitchen and bathroom cabinets.

How much your home insurance costs depends on several factors. These can include the address, building type, size and the year it was built. Your premium will also depend on the level of cover and excess you choose.

Yes, we offer Buildings Accidental Damage cover and Contents Accidental Loss or Damage cover as optional add-ons to our buildings and contents policies.5

You nominate the total sums insured for your buildings and contents, which are then covered for repair or replacement on a new-for-old basis up to those amounts. The amount/s will be listed on your policy schedule. For your buildings sum insured, you can get an estimate of what it would cost to rebuild your house with the CoreLogic home insurance calculator.

At Youi, we give you the choice to add optional covers such as Contents Accidental Loss or Damage, which covers your contents anywhere you take them. See our PDS for full details.

When you make a claim and its accepted, you’ll be required to pay an excess – this will be the combined total of the basic excess, and any other applicable excess listed on your policy schedule. Here’s a brief breakdown of the types of excess:

  • Basic excess: the first amount you're liable to pay for every claim made under your house insurance policy. You may be able to choose your basic excess amount when setting up your policy.
  • Additional excess: sometimes we may require an additional excess to be paid in certain circumstances listed in your policy schedule.
  • Delayed notification storm excess: an additional excess – listed on your policy schedule – may apply if a claim is made on your buildings policy under the insured event of storm more than 90 days after the incident occurred.
  • Unoccupied excess: if at the time of the incident covered by your policy, the property has been unoccupied for more than 60 continuous days, an additional excess – listed on your policy schedule – may apply.

Youi’s Contents insurance allows you to add optional cover for your pets, enabling you to claim up to $1,000 in vet costs per insured year for each pet if your cat or dog is accidentally injured.5

Youi’s Buildings insurance covers the reasonable cost of emergency repairs needed to make your home buildings safe and secure – and prevent further damage – following an insured event.12

Yes. When you let us know that you’re a landlord, you can access cover for:

  • Landlord’s Loss of Rent
  • Landlord’s Furnishings
  • Lessee/Tenant: Default and Damage (optional).

Find out more about our landlord insurance options.

You can make a claim - and track its progress – on our website or app anytime. Prefer to speak to someone? Give us a call.

With Youi, you and your spouse or de facto partner can take out a home insurance policy together. We even have an article you can read before starting your home insurance quote – home insurance considerations when moving in with a partner.

Our house insurance policies renew automatically unless you choose to opt out. We’ll send your renewal offer to you about four weeks before your current policy ends and continue to debit the premium on the renewed policy using your payment details. To opt out and accept your new renewal offer, give us a call.

Guides

Explore our range of how-to guides, explainers and articles to make the most of your Youi home insurance policy.

Is your home underinsured
Articles and Guides.

Is Your Home Underinsured?

The right home insurance can provide valuable protection for home owners and their belongings in the event of unforeseen disasters.
Holiday home by the beach with an outdoor setting
Articles and Guides.

Choosing Home Insurance Cover for Your Holiday Home

No matter how you use your home, it’s important that you’ve got the right insurance cover.
Building and contents insurance
Articles and Guides.

Common Mistakes Buyers Can Make When Purchasing Building and Contents Insurance

You’ve worked hard to create the life you want and, as the old saying goes, “your home is your castle”.
Photo of couple sitting on floor with paint buckets and brushes in hand
Articles and Guides.

Handling Home Insurance Cover After a Renovation

Whether you’re making a few upgrades around the house or you’re undergoing a full-blown renovation, when things change around the house your home insurance should too.

What people are saying

Excellent Youi Trustpilot star rating
Youi Insurance 5 star Trustpilot review
08 Aug 2024

Been with Youi many years

Been with Youi many years. Thank you Maria for reviewing my policy extremely satisfied with result and great customer service. Staff are absolutely amazing always do their best to assist with lowering premiums. Best insurance company I’ve dealt with.

Katina
Youi Insurance 5 star Trustpilot review
07 Aug 2024

Helpful, patient & transparent

Emma was very helpful, patient and transparent. I was very impressed by the friendly and informative service she provided me!

Natalie
Youi Insurance 5 star Trustpilot review
07 Aug 2024

A Plus for Service

Wayne was extremely helpful during our quote process. He ensured we were fully informed of all aspects of the quote. He did not hurry us or pitch the sales blurb usually associated with these online/phone interactions; instead he took the time to explain the quote and what actions we could choose. Thanks Wayne.

Ken
Youi Insurance 5 star Trustpilot review
02 Aug 2024

Good, old fashioned service.

As always my call was answered very quickly, no waiting on hold. Andrew took the time to not only check and adjust my renewals but also reviewed my other policies and got me a small refund there too. Highly recommended company and that’s why I have my home and all my vehicles insured with Youi.

Steve
Youi Insurance 5 star Trustpilot review
31 Jul 2024

Helpful and money saving advice.

Wonderful person who helped me, explaining everything and saving me money. Couldn't have done more. Thank you.

Gillian
Youi Insurance 5 star Trustpilot review
31 Jul 2024

Very Straightforward!

Paisley was so lovely on the phone created a claim over the phone for me, explained the process very clearly and texted me straightaway with claim #. Have a great day Paisley cause i will now too :)

Amanda
Youi Insurance 5 star Trustpilot review
15 Jul 2024

Great customer service

A very simple and thorough process which was handled over the phone. The Youi staff person was very helpful and professional and explained everything clearly. We also saved a significant amount by insuring our vehicles, home and contents. Overall a fantastic experience.

Max
Youi Insurance 5 star Trustpilot review
27 Jun 2024

Excellent Customer Service

As always , Customer service is exceptional with YOUII . Blake was super helpful and knowledgeable. He resolved all of my questions and I’m now very happy with the result

Jenelle
Youi Insurance 5 star Trustpilot review
24 Jun 2024

It's insurance, but not what you're used to

Jodie was incredibly helpful, he didn't try the 'hard sell' that I usually get from others, he gave us time to chat and explore our options. Couldn't have asked for a better experience - we'll look at moving our other policies now.

Eileen
Youi Insurance 5 star Trustpilot review
14 Jun 2024

That time of the year again

That time of the year again : Car and House & Contents renewals are due . With everything going up these days it was good to talk to Youi & see if they could help out with premiums - and they did !!!! Still a loyal & Happy Youi customer .

Bernie

1 Where we arrange, authorise and pay a service provider for repairs, we will guarantee the quality of the repairs for as long as you are the owner of the insured property. The guarantee includes the rectification of any defects caused by poor workmanship, or faulty materials, related to these repairs. Some limits apply. See PDS for full details.
2 If you, your spouse or de facto claim for the same incident on more than one policy, for a single event occurring at the same address and time only one excess is payable. The excess will be the highest excess payable.
3 Exclusions and limits may apply. Where you have increased your cover or reduced your excess within 72 hours of a flood, storm, hail or bushfire occurring, cover will be limited to the amount that was effective prior to the change. Loss, damage or legal liability caused by, resulting or arising from flood, storm, hail or bushfire during the first 72 hours of your policy first being purchased is excluded unless certain conditions apply. For more details see PDS, TMD and your policy schedule.
4 Cover available for loss or damage to the insured property caused by escaping water that occurred suddenly and without warning, or slowly over a period of time and you could not reasonably have been aware of it. Exclusions apply. See PDS for full details.
5 Exclusions apply. See PDS for full details.
6 For owner occupied homes, we will pay the actual cost you incur for temporary accommodation for up to 12 months if you cannot live at the premises after an insured event. The most we will pay for each claim is 12% of the buildings sum insured. Limits and exclusions apply. See PDS for full details.
7 Exclusions apply. Loss or damage caused by pets or other animals allowed onto the premises, vermin or insects is not covered. See PDS for full details.
8 Legal liability cover under your building policy includes your legal liability arising from an accident that occurs at the insured premises during the term of the policy and if the accident arises in connection with you owning the premises. Legal Liability your contents policy includes your legal liability arising from an accident that occurs anywhere in Australia during the term of the policy which arises in relation to you or your contents and does not arise in connection with you owning a building. Limits and exclusions apply. See PDS for full details.
9 We will cover the cost of demolishing and removing buildings debris (where you have Buildings cover) from the premises, and related professional fees for an engineer, architect or surveyor when a claim is accepted, up to 20% of the building or contents sum insured.
10 To continue cover for the contents after 14 days from the day you start your move to the new permanent address, you will need to take out a new policy for the new permanent address.
11 Limits, exclusions and terms and conditions apply. See PDS for full details.
12 Where a claim is accepted under your building policy, we will cover the cost of temporary emergency repairs needed to prevent further loss or damage and make your buildings safe and secure.