It's good if you want a more personalised home insurance policy. Everyday Home Insurance offers standard and comprehensive levels of cover, so you can choose what suits your budget.
Everyday Insurance customers can receive 10% off their groceries once a month.
One of the only insurers to cover accidental damage automatically.
Cons
If personalising your cover, you really have to take care to choose the right amount of cover so you don't leave yourself underinsured.
Compare Everyday Home Insurance policies in a few clicks
Finder Score - Home and Contents Insurance
Each month, we get crunching on most every home insurance product in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster.
Everyday Home Insurance offers 3 types of home insurance: building insurance, contents insurance, and a building and contents insurance policy. After choosing your policy type, you can also select your level of cover from either standard or comprehensive. This is handy if flexibility is important to you and it's a feature that's not very common in Australian home insurance.
On top of that, Everyday Insurance also offers cover for landlords as well.
These policies are designed to cover events that can cause damage to your home. Here are some examples:
Everyday Home Insurance (AR No. 245476) is backed by The Hollard Insurance Company Pty Ltd. – a popular insurance underwriter in Australia. Everyday Home Insurance offers a few different levels of excesses so that you can choose an amount that you're happy with. On top of that, it has a 14-day cooling off period which is a little bit under industry standards.
If an insured event happens and damages your home, here are some standard features that you can claim on with a Everyday Home Insurance policy (it may vary based on what type of policy you choose):
Removal of trees and debris
Accidental damage
Professional and rebuilding fees
Emergency accommodation
Contents in your home office
Emergency storage of contents
Replacement of locks
Food spoilage
Document replacement
Optional add-ons
Here are the optional benefits that you can choose to tailor your policy. Just keep in mind that it will likely increase the cost of your policy.
Electrical motor burnout
Portable valuables
Exclusions
These are some things a Everyday Home Insurance policy will not cover you for. Check out the Everyday Home Insurance Product Disclosure Statement (PDS) for a full list of the exclusions.
Bushfires, storm, rainwater or flood damage that happens within 72 hours of buying your policy
Damage to a home that has been unoccupied for more than 60 consecutive days
General wear and tear
Damage from vermin, insects, birds and wildlife
Earth movements like erosion, landslides and mudslides
Mould
Deliberate damage by you or other people invited to your home
Tree roots
Make sure you read Everyday Home Insurance PDS for a more detailed breakdown of exclusions. You can also head to general exclusions for more information.
The bottom line about Everyday Home Insurance
Everyday Home Insurance is good if flexibility and customisation is important to you. Not only does it offer standard and comprehensive policies, but you can also choose the level of excess you feel comfortable with.
Claims can be lodged on the phone or online through Everyday' My Insurance Portal. If it's the first time you've made a claim, you'll have to register and then log in.
Before you start, make sure to have the following prepared:
Your personal details and policy number (if you don't have a paper copy, try find it in your emails)
Details about what happened
Evidence of the event, like photos, invoices, police reports, quotes, etc.
If making your claim over the phone, you can call the claims team on 1300 10 1234.
Yes. Everyday Insurance offers discounts for buying your home insurance policy online and further discounts if you buy a combined policy.
On top of that, if you're an Everyday Rewards member, you can also get 10% off your grocery shop at Woolies once a month.
The underwriter for Everyday Home Insurance is The Hollard Insurance Company Pty Ltd AFSL 241436.
A Everyday Home or Contents Insurance policy is suitable for someone who owns and occupies a home (excluding properties owned under a strata title, community or company title) that:
isn't under construction or being majorly renovated or altered
is kept in good condition and is properly protected from loss or damage
complies with relevant statutory and local government requirements
is used primarily by you for residential purposes and is unlikely to be unoccupied for more than 60 consecutive days
If you live in a property that’s under a strata title, community or company title, you may only be eligible for a contents insurance policy.
Policies are also only suitable if you have estimated the cost of replacement of the building, fixtures and structural improvements. You must also be comfortable that the policy satisfies your need for affordable cover and is likely to help reduce your net financial loss in the event of a claim. Additionally, you can check out the Target Market Determination (TMD) document on the insurer’s website.
Comprehensive policies are suitable to people who want higher limits, additional benefits and accidental damage cover.
Legal liability can cover you if your negligence around the home caused injury or death to someone, or damage/loss to their property.
Everyday Home Insurance offer a benefit amount of $20 million, which is the total amount from all policies you may hold under Everyday Insurance (including separate contents insurance policies). If you need more details, contact the insurer directly since exceptions can apply.
If you've held, or currently hold, a Everyday Home Insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Everyday Home Insurance is right for them. Some reviews are from a survey commissioned by Finder.
Your reviews
3.8
★★★★★(0)
5
4
3
2
1
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio
Gary Ross's expertise
Gary Ross has written 622 Finder guides across topics including:
Our home insurance page is an ideal page to visit to see your options. We covered the most critical topics to help out our users. For trouble-free navigation, we’ve gathered the things our users often check on our drop-down menu on the right side of our website. Simply select what you want to do on the list to be automatically taken to the part of the page where the topic is covered. For instance, if you chose Compare policies side-by-side, you’ll be rerouted to our comparison table to see the covers available.
Please note that our table will let you compare policy features side by side, but it can’t give you a price just yet. That’s because the cost depends on specific details of your home – such as value and location. Instead, consider which features are most important to you. You can click on ‘More info’ to be rerouted to our review page to check the type of policies the provider offers, exclusions and cost. You can get a fuller breakdown (i.e. policy’s temporary accommodation, tools of the trade, guests content, and more) by clicking ‘View details’. Select ‘Get a quote’ to request an estimate.
Before applying, please ensure that you review the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Hope this was helpful.
Cheers,
Nikki
RoyJanuary 29, 2017
How good is Woolworths insurance regards claims and communications
Finder
RichardJanuary 30, 2017Finder
Hi Roy,
Thanks for getting in touch.
Unfortunately, we do not currently have any information relating to Woolworths and its claims process. How smoothly a claim will run will vary from person to person. To find out more about home insurance claims, please head over to our home insurance claims guide.
All the best,
Richard
ColleenSeptember 11, 2016
I have a policy with you but cannot find it. Please email me privately so I may speak with you further. Thanks you
Finder
RichardSeptember 12, 2016Finder
Hi Colleen,
Thanks for getting in touch. Finder is a comparison service and not an insurer. If you would like to get in contact with Woolworths, you can do so by heading to their contact us page.
All the best,
Richard
FleurMay 5, 2016
Does Woolworths offer House only Replacement cost insurance? Does Woolworths give an actual cash value settlement in the event of the policy holder choosing not to rebuild. Who underwrite Woolworths home insurance policies?
Finder
RichardMay 9, 2016Finder
Hi Fleur,
Thanks for your question. Woolworths do offer building only cover. According to the product disclosure statement:
“If you decide not to proceed with the rebuild or repair of your building we will pay the lesser of:
•The rebuild or repair cost
•The difference in the value of your building and the land it is situated on before the damage occurred and the value of the building and land after the damage has been sustained
Woolworths Home Insurance policies are underwritten by The Hollard Insurance Company Pty Ltd.
I hope this was helpful,
Richard
kayApril 9, 2016
How long has Woolworths Home contents insurance existed?
Finder
RichardApril 9, 2016Finder
Hi Kay,
Thanks for your question. Woolworths have been offering insurance products in Australia since 2011.
Motor burnout covers those big appliances in your home in the event that they let you down. This article will show you what it is, why it's important and how much it can cost you.
Compare home and contents insurance - our research shows you can save up to $1,653 by switching.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
want house hold insurance
Hi Belinda,
We’ve read your message, Thanks!
Our home insurance page is an ideal page to visit to see your options. We covered the most critical topics to help out our users. For trouble-free navigation, we’ve gathered the things our users often check on our drop-down menu on the right side of our website. Simply select what you want to do on the list to be automatically taken to the part of the page where the topic is covered. For instance, if you chose Compare policies side-by-side, you’ll be rerouted to our comparison table to see the covers available.
Please note that our table will let you compare policy features side by side, but it can’t give you a price just yet. That’s because the cost depends on specific details of your home – such as value and location. Instead, consider which features are most important to you. You can click on ‘More info’ to be rerouted to our review page to check the type of policies the provider offers, exclusions and cost. You can get a fuller breakdown (i.e. policy’s temporary accommodation, tools of the trade, guests content, and more) by clicking ‘View details’. Select ‘Get a quote’ to request an estimate.
Before applying, please ensure that you review the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Hope this was helpful.
Cheers,
Nikki
How good is Woolworths insurance regards claims and communications
Hi Roy,
Thanks for getting in touch.
Unfortunately, we do not currently have any information relating to Woolworths and its claims process. How smoothly a claim will run will vary from person to person. To find out more about home insurance claims, please head over to our home insurance claims guide.
All the best,
Richard
I have a policy with you but cannot find it. Please email me privately so I may speak with you further. Thanks you
Hi Colleen,
Thanks for getting in touch. Finder is a comparison service and not an insurer. If you would like to get in contact with Woolworths, you can do so by heading to their contact us page.
All the best,
Richard
Does Woolworths offer House only Replacement cost insurance? Does Woolworths give an actual cash value settlement in the event of the policy holder choosing not to rebuild. Who underwrite Woolworths home insurance policies?
Hi Fleur,
Thanks for your question. Woolworths do offer building only cover. According to the product disclosure statement:
“If you decide not to proceed with the rebuild or repair of your building we will pay the lesser of:
•The rebuild or repair cost
•The difference in the value of your building and the land it is situated on before the damage occurred and the value of the building and land after the damage has been sustained
Woolworths Home Insurance policies are underwritten by The Hollard Insurance Company Pty Ltd.
I hope this was helpful,
Richard
How long has Woolworths Home contents insurance existed?
Hi Kay,
Thanks for your question. Woolworths have been offering insurance products in Australia since 2011.
I hope this was helpful,
Richard