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.
We don't currently have this brand on our panel. Everyday Home Insurance is in the process of updating its insurance products. But don't fret! You can compare a bunch of other insurance companies with Finder.
Compare home insurance policies below
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Congratulations, Everyday!
Everyday received the following highly commended awards in the 2023 Customer Satisfaction Awards:
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.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 664 Finder guides across topics including:
Can I get cover for Computer hardware under contents – optional benefits.
Can tools & equipment contained within a garage be covered under contents – optional benefits.
What is not covered under the heading of “storm surge”
Finder
RichardMay 15, 2015Finder
Hi Don,
Thanks for your question. You will need to discuss these matters with Woolworths directly. finder.com.au is a comparison service and does not have access to the specifics of what can be covered under optional benefits. Additionally, there is no reference to storm surge in the most recent PDS. Storm exclusions for loss or damage include:
caused by gradual deterioration from rainwater
caused by water entering your building due to building alterations, renovations or additions
caused by water that has seeped or percolated into your building
caused to external paintwork if that is the only damage to that part of your building
to external shade cloth, shade sails, solar covers, textile awnings and textile blinds
to retaining walls, gates, fences, paths and driveways
to swimming pool covers, spa covers or plastic or vinyl swimming pool liners
to the interior of your building or to your contents if the damage or loss has not occurred as a result of an opening made by the Storm.
I hope this was helpful,
Richard
JackJuly 15, 2015
Interesting. If caused by water that has seeped or percolated into your building or to the interior of your building or to your contents if the damage or loss has not occurred as a result of an opening made by the Storm, then what is actually covered. Isn’t this how storm damage impacts a property?. I am concerned if my cover will protect me.
Finder
MauriceJuly 15, 2015Finder
Hi Jack,
Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide personalised advise. This exclusion refers to a homeowners need to maintain their home in order to minimise the risk of loss or damage. Woolworths Home Insurance states the exclusion as:
“loss or damage to the interior of your building or to your contents if the damage or loss has NOT occurred as a result of an opening made by the Storm”
If you would like to know more about the specifics of your cover, you should contact your insurer directly.
I hope this was helpful,
Maurice
traceyApril 27, 2015
I have woolworths standard home & contents insurance am i covered for food spoilage
Due to loss of power during the nsw storms last week and will I have to pay an excess
Finder
RichardApril 28, 2015Finder
Hi Tracey,
Thanks for your question. Woolworths standard cover provides a maximum of $500 cover for food spoilage or loss to frozen or refrigerated food caused by an Insured Event. You will need to contact the Insurer to find out whether or not this is classed as an Insured Event. However, if you took out optional Electrical Motor Burnout, you may be covered of $500 for loss or spoilage of food caused by the failure of public electricity to supply your home.
I hope this was helpful,
Richard
JacquelineApril 23, 2015
I have comprehensive home and contents. Am I covered for food spoilage due to power blackout. Power out for over 3 days and still not back on
Finder
RichardApril 24, 2015Finder
Hi Jacqueline,
Thanks for your question. Woolworths Comprehensive covers loss or spoilage of frozen or refrigerated food (up to a maximum of $1,000) that is the result of an Insured Event.
If you have optional Electronic Motor Burnout, you would be covered for a maximum of $1,000 for loss or spoilage of food due to the failure of public electricity to supply your home.
I hope this was helpful,
Richard
DennisFebruary 2, 2015
Does your insurance cover damage roof solar panels, switches and inverters.
Many Thanks Dennis
Finder
RichardFebruary 3, 2015Finder
Hi Dennis,
Thanks for you question. Unfortunately, finder.com.au is a comparison service and not an insurer. I have had a look through the Woolworths Home Insurance PDS and didn’t find a reference to solar panels. You may wish to contact Woolworths and find out if solar panels are covered. You can contact Woolworths by calling 1300 10 1234.
I hope this was helpful,
Richard
GeorginaDecember 23, 2014
Hi
Can you please advise if your building and/or continents policies include replacement of hot water systems at end of life?
Thanks
Finder
RichardDecember 24, 2014Finder
Hi Georgina,
Thanks for your question. Woolworths Home Insurance does cover losses that result from a faulty hot water system. However, whether or not they cover the replacement of it as a fixed appliance is unclear. You may wish to contact the Woolworths claims team as they will be able to give you a definitive answer. They can be reached by calling 1300 10 1234.
I hope this was helpful,
Richard
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Can I get cover for Computer hardware under contents – optional benefits.
Can tools & equipment contained within a garage be covered under contents – optional benefits.
What is not covered under the heading of “storm surge”
Hi Don,
Thanks for your question. You will need to discuss these matters with Woolworths directly. finder.com.au is a comparison service and does not have access to the specifics of what can be covered under optional benefits. Additionally, there is no reference to storm surge in the most recent PDS. Storm exclusions for loss or damage include:
I hope this was helpful,
Richard
Interesting. If caused by water that has seeped or percolated into your building or to the interior of your building or to your contents if the damage or loss has not occurred as a result of an opening made by the Storm, then what is actually covered. Isn’t this how storm damage impacts a property?. I am concerned if my cover will protect me.
Hi Jack,
Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide personalised advise. This exclusion refers to a homeowners need to maintain their home in order to minimise the risk of loss or damage. Woolworths Home Insurance states the exclusion as:
“loss or damage to the interior of your building or to your contents if the damage or loss has NOT occurred as a result of an opening made by the Storm”
If you would like to know more about the specifics of your cover, you should contact your insurer directly.
I hope this was helpful,
Maurice
I have woolworths standard home & contents insurance am i covered for food spoilage
Due to loss of power during the nsw storms last week and will I have to pay an excess
Hi Tracey,
Thanks for your question. Woolworths standard cover provides a maximum of $500 cover for food spoilage or loss to frozen or refrigerated food caused by an Insured Event. You will need to contact the Insurer to find out whether or not this is classed as an Insured Event. However, if you took out optional Electrical Motor Burnout, you may be covered of $500 for loss or spoilage of food caused by the failure of public electricity to supply your home.
I hope this was helpful,
Richard
I have comprehensive home and contents. Am I covered for food spoilage due to power blackout. Power out for over 3 days and still not back on
Hi Jacqueline,
Thanks for your question. Woolworths Comprehensive covers loss or spoilage of frozen or refrigerated food (up to a maximum of $1,000) that is the result of an Insured Event.
If you have optional Electronic Motor Burnout, you would be covered for a maximum of $1,000 for loss or spoilage of food due to the failure of public electricity to supply your home.
I hope this was helpful,
Richard
Does your insurance cover damage roof solar panels, switches and inverters.
Many Thanks Dennis
Hi Dennis,
Thanks for you question. Unfortunately, finder.com.au is a comparison service and not an insurer. I have had a look through the Woolworths Home Insurance PDS and didn’t find a reference to solar panels. You may wish to contact Woolworths and find out if solar panels are covered. You can contact Woolworths by calling 1300 10 1234.
I hope this was helpful,
Richard
Hi
Can you please advise if your building and/or continents policies include replacement of hot water systems at end of life?
Thanks
Hi Georgina,
Thanks for your question. Woolworths Home Insurance does cover losses that result from a faulty hot water system. However, whether or not they cover the replacement of it as a fixed appliance is unclear. You may wish to contact the Woolworths claims team as they will be able to give you a definitive answer. They can be reached by calling 1300 10 1234.
I hope this was helpful,
Richard