Home Insurance

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Get a Quote

Home Insurance

Up to 30% No Claim Bonus

Pay by the month at no extra cost

24/7 claims support

 

 

Get peace of mind for your most treasured items with National Seniors Insurance home building and contents cover, underwritten by Allianz - one of Australia's largest general insurers.

You can choose from Prestige, Classic or Vital cover for your building and contents, with a great range of features and benefits that will give you peace of mind should the unexpected happen.

Get up to $5,000 cover for identity theft expenses under a home insurance policy with contents cover^

Why choose National Seniors Insurance?

  • New for old replacement where Allianz agrees to replace your contents
  • Cover for accidental glass breakage
  • 24/7 claims lodgement
  • The option to protect your portable contents away from home from an additional $4 per month_
  • Emergency storage of your contents if your building is damaged by an insured event
  • Cover for your contents for up to 14 days at both your old and your new address if you are moving house^^
  • Choose to increase your excess payable in the event of a claim and we'll reduce your premium^^.

Get up to $5,000 cover for identity theft expenses^

With National Seniors Classic and Prestige home insurance policies, if you take out cover for your contents you’ll be automatically covered for identity theft. So, if you are a victim, you’ll be covered up to $5,000 towards the expenses incurred in recovering your identity^.

Identity theft is the taking and using of your name and personal information, including your address, date of birth, credit card, and bank account details. It can happen online or offline through discarded or stolen documents, bills and ID.

 

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Calculators

To ensure you're adequately covered, use our handy replacement calculators, provided by Allianz, as a guide to estimate the replacement value of your home building and contents.

 

 

 

More features and benefits

Features and benefits available under National Seniors Insurance home building and contents policies include:

 

What are you insured for?
Features and benefits

Prestige Home

Classic Home

Vital Home

New for old replacement

Yes

Yes

Yes

Insured Events cover

Yes

Yes

Yes

Accidental loss or damage

Yes

No

No

Accidental breakage of glass

Yes

Yes

Yes

Additional cost of temporary accommodation

Yes*

Yes*

Yes*

Automatic indexation of sum insured

Yes

Yes

Yes

Landscaping

Yes

Yes

No

Compensation for death

Yes - Up to $10,000

Yes - Up to $10,000

Yes - Up to $10,000

Contents in open air at the risk address

Yes*

Yes*

Yes*

Contents in safe deposit box – Accidental loss or damage, excluding theft

Yes*

Yes*

Yes*

Credit cards - cover for loss or theft

Yes - Up to $5,000

Yes - Up to $5,000

Yes - Up to $2,500

Fusion of electric motors

Yes - Motors up to 12 years old

Yes - Motors up to 10 years old

No

Guests', visitors' and domestic helpers' property

Yes - Up to $5,000

Yes - Up to $5,000

Yes - Up to $5,000

Landlords' contents

No

Yes - Up to $10,000

Yes - Up to $10,000

Legal liability cover

Yes - Up to $20,000,000

Yes - Up to $20,000,000

Yes - Up to $10,000,000

Modifications to buildings for paraplegia and quadriplegia

Yes - Up to $10,000

Yes - Up to $10,000

Yes - Up to $10,000

Replacement of locks and cylinders

Yes - Up to $2,000

Yes - Up to $1,000

Yes - Up to $1,000

Security firm attendance

Yes - Up to $500

Yes - Up to $500

Yes - Up to $500

Spoilage of refrigerated / freezer food

Yes - No specified limit

Yes - Up to $500

No

Temporary removal of Contents from your risk address

Yes*

Yes*

Yes*

Title deeds

Yes - Up to $2,000

Yes - Up to $2,000

Yes - Up to $2,000

Veterinary costs

Yes - Up to $500

Yes - Up to $500

Yes - Up to $500

Identity theft

Yes - Up to $5,000

Yes - Up to $5,000

No

Guaranteed renewal

Yes

Yes

No 

For full details of conditions and exclusions of all our cover options, please refer to the Prestige Home Insurance PDSClassic Home Insurance PDS and Vital Home Insurance PDS.

To review the Key Facts Sheets available for our home building and/or contents covers click here.

 

Want to learn more?

For detailed information on the cover and limits provided, you should read the relevant Home Insurance Product Disclosure Statement (PDS) and Supplementary PDS (where applicable).

Classic Home Insurance PDS   Prestige Home Insurance PDS    Vital Home Insurance PDS

To review the Key Facts Sheets available for our home building and/or contents covers click here

Terms and Conditions apply

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##Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

*Minimum premiums may apply. Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements.

+Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless stated otherwise). From time to time, promotional or other discounts may be available for customers who apply for insurance via our Contact Centre.

To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However customers who have had up to two claims may still qualify for reduced No Claim Bonus.

+ Discounts may not be applied to any flood component of the premium (if applicable).

_Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

^^Applicable only when you have contents cover. Please refer to the Classic Home Insurance PDSPrestige Home Insurance PDSVital Home Insurance PDS for full terms and conditions.

^Applicable only when you have Classic or Prestige home contents cover.

In arranging this insurance, National Seniors Australia Ltd ABN 89 050 523 003 AR 282736 acts for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. We do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Terms, conditions and exclusions apply. Before making a decision about this insurance please refer to the Product Disclosure Statement, available from this website. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.