Woolworths Home Insurance Review 2024: Pros & Cons

As one of Australia’s biggest chains of supermarkets and grocery stores operating since 1924, Woolworths in 2011 decided to include insurance to its line of business, and among the variety of insurance products offered is – home insurance.


While the home insurance product is from Woolworths, it is being administered under its Everyday Insurance brand. That’s saying, if you need a home insurance policy from Woolworths, it must be gotten through Everyday Insurance.

Woolworths home insurance is suitable for homeowners and renters alike as it offers maximum protection to your property, including compensation from financial obligations arising due to damage or injury caused by you to others.


Take a look at our review to learn more about Woolworths home insurance!

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State availability

Woolworths Insurance is available in all states and territories in Australia.

Woolworths home insurance coverage

This policy provides three types of insurance: Building and Contents, Building only, or Contents only options. Additional benefits and policy modifications are included in the policies that you can customize to enhance your protection.

Policyholders can pick from the provided Standard or Comprehensive level of cover after selecting their policy option – with all plans being subject to their benefits, limits, and exclusions.

Below are the types and level of coverage that come with Woolworths’ home policy (Building and Contents, Building, or Contents).

  • Option to choose your excess – which is the amount you are required to pay when you make a claim under your policy (available in both Standard and Comprehensive plans).
  • Includes coverage for damage from fire and explosion to your home (available in both Standard and Comprehensive plans).
  • Pays for damage caused by natural disasters, including earthquakes, tsunamis, volcanic eruptions, storms, rainwater, and floods (available in both Standard and Comprehensive plans).
  • Coverage against malicious acts on your property, including vandalism (available in both Standard and Comprehensive plans).
  • Coverage for theft of your property (available in both Standard and Comprehensive plans).
  • Covers damage caused by riot, civil commotion, or industrial unrest (available in both Standard and Comprehensive plans).
  • Includes protection from accidental damage (available only on the Comprehensive plan).

Additional benefits

  • $20 million legal liability coverage. This is the max they will pay for any covered event (available in both Standard and Comprehensive plans).
  • Emergency accommodation coverage if your home becomes unlivable (available in both Standard and Comprehensive plans).
  • Replacement of locks if stolen or damaged ($750 reimbursement for the Standard plan and up to $1,000 for the Comprehensive plan).
  • Trees/shrubs coverage to remove fallen trees or other plants after a covered disaster ($750 reimbursement on Standard plan and up to $1,500 on Comprehensive plan).
  • Coverage for contents temporarily removed from your home (available on both plans).
  • Moving to a new address in Australia coverage (available on both plans).
  • Outdoor contents at your home coverage for damage to your outdoor contents like outdoor furniture, garden equipment, and grills ($4,000 reimbursement on Standard plan and up to $8,000 on Comprehensive plan).
  • Contents in your home office coverage for damage against your indoor contents ($5,000 reimbursement on Standard plan, and up to $10,000 on Comprehensive plan).
  • Food spoilage damage coverage for some perishable frozen or refrigerated food items caused by unforeseeable failure of the public electricity supply to your home ($500 reimbursement on Standard plan and up to $1,000 on Comprehensive plan).
  • Removal of debris and fee coverage for damage caused by a covered event like storm, tsunami, and flood, including associated fees incurred in the removal process ($10,000 reimbursement on Standard plan and up to $15,000 on Comprehensive plan).
  • Temporary accommodation for your dogs or cats ($500 reimbursement on Standard plan and up to $1,000 on Comprehensive plan).
  • Funeral expense coverage for costs involved in your funeral service ($5,000 reimbursement on Standard plan and up to $10,000 on Comprehensive plan).
  • Guests’ contents coverage for personal belongings of your guest temporarily staying in your residence ($500 reimbursement on Standard plan and up to $1,000 on Comprehensive plan).

Optional benefits

  • Coverage for electrical motor burnout ($1,000 reimbursement on Standard plan and up to $2,000 on Comprehensive plan).
  • Coverage for portable valuables outside your home, within Australia (available in both Standard and Comprehensive plans).

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Policy exclusions

Since not not all insurance policies cover every risk or loss. It is important to know what your policy won’t cover.

Below are some policy exclusions:

  • Busfire, storm, rainwater, or flood which occurs within 72 hours of purchasing the policy.
  • Damage caused to your home from mildew, wet or dry rot, including rising damp or dampness.
  • Damage caused by failure to maintain your property in good condition.
  • Any kind of damage from earth movement like landslide, erosion, and mudslide, but not from an earthquake, storm, flood, or rainwater.
  • Loss to your property from insect infestations including termites, birds, or wildlife.
  • Damage to your home that has been vacant for 90 consecutive days.
  • Loss of property due to wear and tear, rust, and depreciation from exposure to light.
  • Damage caused by the felling of trees on the site.
  • Deliberate damage by you, others living in your home, or guests.

For more details about Woolworths homeowners policy, refer to your Product Disclosure Statement (PDS).


Everyday home insurance from Woolworths provides discounts only when you bundle Building and Contents insurance which can save you up to 10%.

Discounts are not available on the Contents or Building only options.

In addition, if you have an Everyday homeowners policy, you can be entitled to 10% off your groceries at an in-store Woolworths shop every month where you can save up to $600 a year.

Consumer reviews

Everyday home insurance from Woolworths has been subject to mixed reviews and ratings from customers.

Some users have praised Woolworths’ home insurance coverage and costs, including the 10% discount on groceries. On the other hand, some have expressed their dissatisfaction with the poor customer service and claims handling.

On the ProductReview website, it currently has a 1.6 star rating from 504 reviews, and 3.9 stars on Mozo from 53 reviews.

User experience

Everyday home insurance from Woolswoth has a unique and easy to navigate website. The site also provides you with the coverage details, including an online quote function.

Claims can also be lodged online using the site.



  • Coverage for malicious damage which is not automatically included in most, if not all homeowners insurance
  • Fair discounts for bundling policies
  • 24/7 emergency claims assistance


  • Premiums could inflate if you include other coverages

How to get a home insurance quote from Woolworths

As indicated earlier, customers seeking home insurance from Woolworths must enroll for a quote through Everyday Insurance.

To get a quote, visit the official Everyday Insurance website online. You can refer to this page to get more details about their homeowners policy coverage.

Frequently Asked Questions (FAQS)

Who underwrites Woolworths home insurance?

Everyday home insurance by Woolworths is underwritten by Hollard Insurance Company Pty Ltd.

Are drones covered on Woolworths home insurance?

No, Woolworths home insurance will not cover your ownership or use of drones, including the use of jet skis, aircraft, and even hang gliders.

Are dogs covered under Woolworths insurance?

Temporary accommodation cover is available on Woolworths homeowners policy for your dogs and cats.

How do I change my policy cover type?

You can speak with a customer care team on 1300 10 1234 to change or update your policy.

How to make a home insurance claim with Everyday Insurance by Woolsworth

You can submit claims online on Everyday Insurance claims’ page. First time customers are required to register before proceeding with their claims.

After this step, you are to have ready your personal details and policy number, details explaining how the event occurred, photos to back your claim, and if applicable, a police report.

Here is all you need to put in place before lodging a claim online.

Alternatively, you can call the claims department on 1300 10 1234 if you need emergency assistance on claims.

How is my premium calculated?

Your premium is calculated using a number of criteria including:

  • Your choice of coverage
  • The applicable limits and excess
  • The properties and homes you want to insure
  • Your insurance history

Also note that some criteria that will likely increase or decrease your risk could also constitute how your premium will be calculated.

For example, if you reside where natural disasters, such as tsunamis, earthquakes, or floods are common, your premium could inflate as it is presumed you are likely to have a high chance of making a claim.

How to cancel Woolworths home insurance

If for any reason you wish to end your policy, you can simply get that done online, or call 1300 10 1234 during operating hours to terminate your policy.