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Home insurance that’s a bit more you-shaped.

At Youi, we’ll take the time to listen, so you can choose the cover that suits your home and the way you live. Get in touch today to discover you-shaped insurance for yourself.

At Youi, we’ll take the time to listen, so you can choose the cover that suits your home and the way you live. Get in touch today to discover you-shaped insurance for yourself.

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Youi home insurance cover.

We’ve got a number of options that could suit the level of home insurance you’re looking for. From Building and Contents to Landlord insurance, they all offer quality cover backed by quality service. Take a look and start a quote today.

Home insurance made simple.

You-shaped insurance is about making things easy for you. Whether it's managing your policy, getting in touch with us or making a claim, we want your Youi experience to be a great one.

Our relevant PDSs contain more information, please consider our relevant PDS when deciding if this product is appropriate for you. Find our PDSs and TMDs here.

^ Where a repair is completed by an authorised Youi repairer, Youi guarantees the quality of the repair for as long as you remain the owner of the item.

Home insurance features

Along with awesome service, Youi home insurance gives you access to a range of features and inclusions, to help protect your home and belongings. It’s what you-shaped insurance is all about.

More features VIEW THE PDS

24/7 claims

We’re available any time of the day or night if you need to lodge a claim, with dedicated advisors there for you from start to finish during the claims process.

Clean up and professional fees

After an insured event, we’ll help cover the cost of demolishing and removing building debris from your property, along with fees for an engineer, architect or surveyor – up to 20% of the buildings sum insured amount.

Cover while you move

If you’re moving home, we’ll automatically cover your contents for up to 14 days from the day you start your move to the new permanent address.

Storm and flood cover

We’ll cover your building and/or contents against loss or damage caused by storm, including lightning, wind, hail, snow and flood waters.

Tenants liability

If you’re a tenant in your home, know your landlord’s fixtures and fittings, and fitted carpets, are covered for loss or damage as a result of an insured event – up to 10% of the contents sum insured amount. 

One event, one excess

If you have more than one Youi policy and you, or your spouse or de facto, make a claim on them for the same incident (caused by a single event that occurs at the same address and time), only one excess will need to be  paid, being the highest excess amount noted on the relevant policies.

Temporary accommodation

If you can’t live at your home due to an insured event, we’ll pay the costs for your temporary accommodation for up to 12 months.

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 could not reasonably have been aware of it.

We’re available any time of the day or night if you need to lodge a claim, with dedicated advisors there for you from start to finish during the claims process.

After an insured event, we’ll help cover the cost of demolishing and removing building debris from your property, along with fees for an engineer, architect or surveyor – up to 20% of the buildings sum insured amount.

If you’re moving home, we’ll automatically cover your contents for up to 14 days from the day you start your move to the new permanent address.

We’ll cover your building and/or contents against loss or damage caused by storm, including lightning, wind, hail, snow and flood waters.

If you’re a tenant in your home, know your landlord’s fixtures and fittings, and fitted carpets, are covered for loss or damage as a result of an insured event – up to 10% of the contents sum insured amount. 

If you have more than one Youi policy and you, or your spouse or de facto, make a claim on them for the same incident (caused by a single event that occurs at the same address and time), only one excess will need to be  paid, being the highest excess amount noted on the relevant policies.

If you can’t live at your home due to an insured event, we’ll pay the costs for your temporary accommodation for up to 12 months.

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

More features VIEW THE PDS

Choose from optional covers to make things a bit more you-shaped.

We get that sometimes you might need a bit more cover to suit your situation. Which is why, on top of our standard home insurance policy inclusions, we offer a suite of options for you to add, allowing you to update your policy until it's just right.

Accidental loss or damage

Cover for your contents against accidental loss or damage, at or away from your home.

Buildings accidental damage

Cover for accidental damage to your home’s structures and permanently attached fixtures and fittings up to the limit in your policy schedule.

Contents in commercial storage

Get up to $20,000 cover if your contents are lost or damaged as a result of fire, earthquake, explosion, riot, storm, impact and intentional damage while in commercial storage.

Business items

Protect your livelihood with up to $5,000 cover for your business tools, excluding home office equipment, if they are lost or damaged as the result of an insured event.

Pet injury

Get up to $1,000 per insured year in vet costs covered if your cat or dog is accidentally injured.

Cover for your contents against accidental loss or damage, at or away from your home.

Cover for accidental damage to your home’s structures and permanently attached fixtures and fittings up to the limit in your policy schedule.

Get up to $20,000 cover if your contents are lost or damaged as a result of fire, earthquake, explosion, riot, storm, impact and intentional damage while in commercial storage.

Protect your livelihood with up to $5,000 cover for your business tools, excluding home office equipment, if they are lost or damaged as the result of an insured event.

Get up to $1,000 per insured year in vet costs covered if your cat or dog is accidentally injured.

Happy homeowners admiring their home after a Youi claim

We really make it count at claims time.

A big part of our you-shaped insurance is about providing you with the support and service you need with claims. We strive to review all claims as fairly and quickly as possible, helping customers through the tough times and out the other side.

Home insurance FAQs

Got questions about our home insurance options? You might find the answers here.

Yes. We will cover your home buildings and contents for loss or damage caused by flood.

Yes. We offer Contents Accidental Loss or Damage and Buildings Accidental Damage cover. They are optional covers that you can choose to include with your policy.

You nominate the total sums insured for your buildings and contents which are then covered on a new-for-old basis.

The amount you select will be shown on your schedule.

Yes. You have the option to include Contents Accidental Loss or Damage cover which covers your contents anywhere you take them. T&Cs and limits apply; full details are available in the PDS.

When you lodge a claim, you’re required to pay an excess. The following excesses may be applicable and can be found on your policy schedule:

Basic Excess

The Basic Excess is the amount you must pay in relation to each and every claim made under your policy. You may get the option to select the amount of your Basic Excess, which will be shown on your policy schedule. Where the event is completely the fault of a third party that you can identify, and we can locate and whose liability can be established, we may waive payment of the Basic Excess.

Additional Excess

We may require an Additional Excess to be paid in certain circumstances under your policy. The exact situations where this would apply and the amount of the Additional Excess will be shown on your policy schedule.

One Excess

If you, or your spouse or de facto, claim for the same incident on more than one Youi policy, only one excess will need to be paid. The incident must be a single event that occurs at the same address and time, and the applicable excess will be the highest excess amount noted on the relevant policies.

You can choose to add optional cover for accidental injury for your pets.

Building

Home buildings are the private domestic residence and other structures at the premises, including permanently attached fixtures, fittings and structural improvements, but excluding earthworks. 
 
Contents 
 
Home contents are your personal possessions, including fitted carpets, curtains and blinds, which are kept at your premises.

We cover the reasonable cost of emergency repairs needed to make your home buildings safe and secure following an insured event.

Yes. Youi offers the following product features specifically where you have told us that you are a landlord.

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

Our policies normally renew automatically, however if you prefer you can call us to opt out of automatic renewal. We will 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 unless you have opted out of automatic renewal. If you have opted out of automatic renewal you will need to contact us to accept your renewal offer.

If you wish to make changes at renewal (or at any other time during the period of insurance) please call 13 YOUI (9684).  

Guides

Got questions about our home insurance options? You might find the answers here.

Building insurance cover
Articles and Guides.

Storm, Fire, Flood: What Does Building Insurance Cover?

Living in Australia means living with the reality that natural disasters and extreme weather events including storms, fires and floods can – and are increasingly likely to – happen.
Amanda Dardanis, November 20, 2023
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.
Chelsea Spresser, April 24, 2024

What people are saying

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