Buildings and Contents Insurance
Save up to 10% on your first year's premium when you quote and buy a new Home Insurance policy online¹,⁴
Speak to a real person
Call 1300 50 50 99 to speak to a real person who understands you.
Not-for-profit helping older Australians
Your policy helps fund our advocacy work and improve outcomes for older Australians.
Flexible payment options
Pay by the month at no extra cost⁶ and the flexibility to adjust your excess which may reduce your premium⁵.
Unparalleled service
Our friendly Australian-based customer care team isn't bound by average call handling times, providing you with personalised quality service.
Save up to 10%
Save up to 10% on your first year's premium when you quote and buy a new Home Insurance policy online¹,⁴
Enjoy up to 30% No Claim Bonus
Receive up to 30% No Claims Bonus depending on your claims history³,⁴
24/7 claims assistance
24/7 online claims lodgement or call 1300 55 50 30 to speak to a real person.
Cover for the unexpected
National Seniors Home and Contents Insurance offers cover for out of the ordinary but devastating events such as fire⁷ including bushfire⁷ and grassfire⁷, earthquake⁸ and burglary.
Cover for storm damage
Covers loss or damage caused by storm, cyclone⁷, or rainwater but this does not include run-off.
Cover for flood and/or run-off
Covers loss or damage caused by flood⁷, run-off, flood water⁷ combined with run-off and/or rainwater.
Alternative accommodation for you and your pets
If your Building or Contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, National Seniors Insurance will pay the additional costs for temporary accommodation based on your building’s rentable value prior to the damage, up to 10% of the building or contents sum insured (as applicable) and up to $500 for temporary accommodation for your pets in a commercial boarding establishment. This benefit applies up to a maximum of 12 months.
Cover when you’re moving house
National Seniors Home and Contents Insurance will cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst contents are in transit (unless you have Accidental damage cover).
Vandalism or malicious damage
You are covered for loss or damage caused by vandalism or a malicious act.
Rebuilding and professional fees
If you need to rebuild your home after total loss or damage, we will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.
Making your buildings environmentally friendly
If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, National Seniors Home and Contents Insurance will pay up to $5,000 (after deduction of any government or council rebates) to help you make the new buildings more environmentally friendly.
Replacement locks
National Seniors Home and Contents Insurance will cover the cost, up to $1,000, to replace the locks or cylinders of any external door or window following an actual or attempted theft or burglary if the key is stolen.
Debris removal
In addition to your buildings and/or contents sum insured, National Seniors Home and Contents Insurance will pay up to 10% of your building and/or contents sum insured for the removal of debris from your home buildings if your contents are damaged or destroyed by an insured event or removal of debris from the damaged or destroyed part of the buildings.
Legal Liability
National Seniors Home and Contents Insurance will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property caused by an accident (or series of accidents).
Accidental damage
The accidental damage cover option helps insure you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents.
Portable contents
You can choose optional cover to protect your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance. Some portable contents must be specified as Listed portable contents with the full replacement value to be covered away from the home.
Motor burnout
The Motor burnout option covers you if an electrical current damages your household electrical motors that are less than 10 years old. This cover is automatically included if you have taken optional Accidental Damage cover.
- Fire or smoke (including bushfires and grassfires)⁷
- Storm, cyclone, or rainwater⁷
- Flood and/or run-off⁷
- Theft or burglary
- Lightning
- Water or other liquid damage
- Impact damage
- Earthquake or tsunami⁸
- Accidental breakage of glass or ceramic items
- Vandalism or malicious damage
- Explosion
- Riots or civil commotion
Call our friendly customer care team on 1300 50 50 99
(Monday to Friday 8:00am to 6pm AEST)
For full details of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS and the Home Buildings and Home Contents Key Fact Sheets (KFS) before making a decision to purchase the insurance.
Access an existing quote quickly and easily.
Do what you reasonably can to prevent any further loss, damage, or liability. Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary, or loss of insured property.
Start your Home Insurance claim online 24/7
Complete the secure online claim form, and a friendly claims representative will contact you as soon as possible to discuss the next steps. Alternatively, you can contact the Claims Call Centre on 1300 55 50 30 to submit your claim. The claims consultant will help you through the home and contents insurance claims process.
Sharon, 67 - VIC Travel Insurance Customer
Seeking a quote on Travel Insurance was made very easy by the agents I spoke to today. Carl, firstly, was very patient, concise and considerate. He explained everything and made sure I understood what he had said at each junction. I then took time to read over the emailed quote and when I rang back and spoke with Amanda, she was also pleasant, patient and clearly spoken. She answered a couple more questions I had before I committed to the quote. The quote itself was at a reasonable cost. I would definitely recommend and will come back to them in the future.
Frankie, 53 - NSW Caravan Insurance Customer
Aaron was excellent, very patient, very clear on policy details, polite and we did not feel like just another caller. Look after him National Seniors, he's a keeper.
David, 68 - NSW Travel Insurance Customer
Aaron did a great job going over my almost complete quote, uncovered some mistakes I had made and made sure my travel insurance covered everything I needed. Made it all easy.
Penny, 70 - VIC Travel Insurance Customer
I can't speak highly enough of the help Sinead gave me when choosing my travel insurance for an upcoming 6-week trip to Ireland. She explained everything and made it all so easy. I will certainly recommend her to any senior planning to travel. Many thanks Sinead.
Lee, 66 - QLD Caravan Insurance Customer
Sinead presented herself as a very happy, knowledgeable person with terrific people skills, she answered all of my questions without hesitation. This lady has nailed it, she knows how to make a potential client feel important and she treats people with respect. It was late on the Friday, and we ran out of time to finalise the deal, Sinead promised me that she would phone me on the Monday around 9:00am, sure enough she did! Sinead is a first-class employee, and she deserves a high level of recognition.
Deb, 69 - NSW Caravan Insurance Customer
Narelle was exceptional in every way as a representative of Australian Seniors Insurance. She went out of her way to explain our caravan insurance policy in detail. Narelle was friendly, knowledgeable, competent and had an obvious love for her job in her attitude towards the customer, especially making sure we felt confident with every detail before signing up to our new policy. This was particularly important as we had used another provider for the past 46 years. Narelle gave me time to discuss the new policy with my husband after my initial enquiry and rang back exactly as promised to finalise payment. Narelle is huge asset to your insurance company.
Desmond, 77 - VIC
Travel Insurance Customer
Sinead provided excellent assistance in arranging my insurance cover for my travel next year. She had good product knowledge, very good interpersonal skills and always delivered what she promised within agreed timeframes. From a customer's perspective, personnel such as Sinead are great to deal with and should be valued and retained.
Carolyn, 78 - SA
Travel Insurance customer
I was very impressed by the friendly efficient service I received from Sinead. She answered my many questions with patience and understanding. I got all the clear answers I needed to enable me to confidently decide to take out National Seniors Travel Insurance.
Harry, 71 - QLD
Caravan Insurance customer
Jeremy was the most helpful person I have ever spoken to. Thank you so much Jeremy, I wish there were more caring and experienced people like you.
Angus, 79 - QLD
Travel Insurance customer
What a pleasure it has been to enquire about travel insurance with Sinead. She was so professional and helpful at all times. She was a pleasure to talk with and answered every question I had regarding travel insurance and above all returned my phone calls quickly with any questions she wasn't sure of. National Seniors Insurance are blessed to have such a delightful, helpful person working for them and I would recommend Sinead to any of my friends for travel insurance.
Mandy, 73 - QLD
Travel Insurance customer
I would like to say that Sinead was extremely helpful and knowledgeable in quoting for insurance for a couple of policies we were getting for comparison for. She is very friendly, easy to talk to and makes you feel like a friend rather than just another customer, which I like. I would recommend anyone to contact her for their insurance quotes.
If you take both Buildings and Contents insurance, here’s how they can work together if the unexpected occurs.
Plus, you will only have to pay the applicable excess(es) once in respect of any single claim if your buildings and contents are damaged by the same insured event.
Scenario 1: Your house burns down
You could lose all your buildings, and everything in them. With adequate sums insured under Buildings and Contents covers, you could rebuild and replace your insured belongings.
Scenario 2: A fire damages your kitchen
You could repair or rebuild built-in damaged parts of your kitchen, such as benchtops, with Buildings cover. Then you could replace damaged items like blinds and kitchenware under your Contents cover.
Scenario 3: Home break-in
A thief smashes your window, breaks the lock and steals your belongings. You can fix the window and lock through your Buildings cover and replace the items that were stolen under your Contents cover.
It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. If you don’t have enough cover, you could end up having to cover some of the costs yourself.
Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) - so you should also be careful not to over insure. That's why we've provided these calculators. They work as guides to help you estimate the replacement value of your home buildings and contents.
I have changed the security on my property - do I need to let you know?
If you are altering the security on your property you should inform us as it may change the conditions of your home insurance. This may affect your premium.
You must tell Allianz as soon as reasonably possible if, during the period of insurance you remove or stop using any security devices that were specifically required by us.
If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent Allianz are prejudiced by the delay or the non-disclosure.
You can also contact Allianz if you want to vary your policy during the period of insurance for any other reason, for example to increase your sums insured or to take out additional cover options that may be available.
When Allianz receive this information, Allianz may:
• propose changes to the terms and conditions of your policy
• charge you a higher premium
• cancel your policy if there is a change and Allianz can’t reach an agreement with you on altered terms and conditions or premium; or Allianz are no longer prepared to insure you because there has been a material change to the risk.
• decide not to offer to renew your policy.
I'm about to install a new kitchen and renovate my bathroom - should I notify my insurer?
You should tell Allianz as soon as reasonably possible if during the period of insurance your building is in the course of construction or there are any alterations, additions, demolition, repairs to, or decorations of the buildings costing more than $75,000.
If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent Allianz are prejudiced by the delay or the non-disclosure.
When Allianz receive this information, Allianz may:
• propose changes to the terms and conditions of your policy
• charge you a higher premium
• cancel your policy if there is a change and Allianz can’t reach an agreement with you on altered terms and conditions or premium; or Allianz are no longer prepared to insure you because there has been a material change to the risk.
• decide not to offer to renew your policy.
It is also important that you increase your sum insured to take into account any extensions or renovations to make sure you are adequately covered in the event of a home insurance claim.
What do I do if I rent my home out to tenants?
If you’re renting your entire home out to tenants, cover is not available under a Home and Contents Insurance policy you may need to consider Landlord Insurance, you can find out more here. If you rent out part of your home while you live at the same address, please contact us so we can determine if you are eligible for this product.
I run a business from home; should I notify my insurer, and can I get cover?
You must tell Allianz as soon as reasonably possible if, during the period of insurance you start using any part of your home building for business, trade, or professional purposes (except for a home office).
If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent Allianz are prejudiced by the delay or the non-disclosure.
When Allianz receive this information, Allianz may:- propose changes to the terms and conditions of your policy
- charge you a higher premium
- cancel your policy if there is a change and Allianz can’t reach an agreement with you on altered terms and conditions; or Allianz are no longer prepared to insure you because there has been a material change to the risk
Which option do I need to cover my laptop, tablet, mobile phone or smart watch away from home?
You can cover laptops, tablets, mobile phones, smart watches and other wearable technology away from the home under the portable contents optional cover.
These items must be specified on your policy as Listed portable contents to be covered under this option. We will not cover cracked glass or screens where this is the only damage to the item.
How do I know if I have optional covers on my policy?
You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting National Seniors Insurance on 1300 50 50 99).
If you’re not sure whether you have added these cover options, you can check your policy schedule.
Will I be covered if my drone is damaged or stolen?
Drones, drone accessories, and other remotely or autonomously piloted aircraft used for personal use are covered if lost or stolen within your property. They are not covered when in use, used of business or when they are not at the insured address.
Am I covered for Flood?
Flood cover is a Standard inclusion for all Home and Contents Insurance policies that start from 14 January 2025.
For Home and Contents Insurance policies starting before 14 January, flood cover was optional. If you’re a renewing customer, you may be able to continue without flood cover if:
- You previously opted out and met certain flood risk criteria,
- We weren’t able to offer you flood cover,
We’ve agreed you can opt-out of flood cover as standard.
For full details of terms, conditions, limits, and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement, any supplementary PDS and Home Buildings or Home Contents Key Fact Sheets.
What does it mean if I take the Accidental Damage cover option?
Accidental Damage is optional and provides cover in the event of damage caused by accidental, unexpected mishaps that are caused unintentionally, not just the specified insured events.
If you have Buildings cover only and select this option, examples of the sort of mishaps you’ll be covered for include when:- You accidentally smash a hole in the wall when you move some furniture.
- Your kids draw all over your walls.
Can I cover my bike and other sporting equipment away from home?
Yes you can cover these under the portable contents optional cover as Unlisted portable contents. However, these items excluding bicycles will not be covered while they are being used. Bicycles will not be covered when being used for racing, pace making or in competition.
The not-for-profit working with, and for older Australians
National Seniors Insurance is part of National Seniors Australia, a leading not-for-profit advocacy organisation giving older Australians a strong national voice.
Our evidence-based advocacy and research tackles issues such as age discrimination, mature-age employment, the Age Pension, social inclusion, cost of living, health costs and more.
With unrivalled access to policy-makers and world-class research, the modest profits from the sale of your policy help us create real change and a better future for all older Australians.
National Seniors members have exclusive access to a range of benefits and services including discounts on Travel, Health and Life Insurance, and our new EAT | PLAY | SAVE Discounts app – developed in partnership with Frequent Values by Entertainment.
Redeem offers Australia-wide on dining, takeaway, shopping, gift cards, local services, and more. Discounts can be redeemed repeatedly, daily, meaning members can enjoy discounts of up to 20% every day, even if they’ve used that discount previously.
Along with the app, enjoy a yearly subscription to Our Generation magazine, access to local community branches, our Financial Information Consultant for independent information, tools and resources, and more.
For only $49.50 you can become a member online via the below button, or you can contact our friendly Membership team on 1300 76 50 50.
Advocacy campaigns
Find out how we make a difference to the lives of all older Australians through research-led advocacy.
Our research
Learn more about our research into older Australians' experiences and perspectives.
Advocacy wins
Take a closer look at the significant advocacy wins we've managed to secure for older Australians.
Financial Information Consultant
Members can speak to a real person to receive up-to-date information on retirement planning, estate planning, Centrelink benefits, investment choices, Aged Care, superannuation, and more!
Competitions
Access exclusive member-only weekly competitions including books, DVDs, CDs, movie tickets and more.
Branches
Get involved discussing community issues, enjoy social events, day-trips, guest speakers and meet like-minded members.
Our Generation digital magazine
Receive a yearly subscription to Our Generation digital magazine.
Discounts
Save with over 1,000 discounts on groceries, fuel, accommodation, fitness, health care, motor services, books, theme parks, appliances, cinemas, gift cards and more!
Advocacy & Research
Your membership directly funds our advocacy and research work fighting to fix pension poverty, tackle cost of living and health care, improve aged care, and fairness in retirement income.
Member Discounts App
National Seniors members can unlock a world of everyday savings and exclusive offers across dining, takeaway, shopping, gift cards, local services, and more – all in one convenient app.
National Seniors Money Hub
News and resources to help with retirement planning, boosting your retirement income and funding aged care.
National Seniors Australia Ltd ABN 89 050 523 003 AR 282736 arranges this insurance as an agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from www.nationalseniorsinsurance.com.au. The relevant Target Market Determination is available by calling 1300 50 50 99. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Full details of the commission are set out in the Financial Services Guide. Ask us for more details before we provide you with services.
Information contained on this website is general information only.
1. Online discount
[Home] When you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected, not available from 21 December 2025), or upon renewal. Minimum premiums may apply.
[Landlord] When you both quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected, not available from 21 December 2025), or upon renewal. Minimum premiums may apply.
3. NCB
When you take out a new policy, we calculate your No Claims Bonus (NCB) based on your home or landlord (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of up to 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding 5 years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus. We won’t apply the full percentage of the No Claim Bonus if it results in you paying less than the minimum premium.
[Home] The No Claim Bonus isn’t applied to the flood component of the premium (if covered) or Domestic workers’ compensation (if available and selected, not available from 21 December 2025) or Portable contents (if selected).
[Landlord] The No Claim Bonus isn’t applied to the flood component of the premium (if covered), or Landlord workers’ compensation (if available and selected, not available from 21 December 2025).
4. Minimum premiums
Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges.
Most discounts won’t apply below the minimum amount payable for the policy.
5. Option to change your excess
[Home] Not available with respect to any additional compulsory excess, any imposed excess applied to the policy, or to the Portable contents excess (if Portable Contents is selected). Any reduction in premium won’t be applied to government taxes and charges, any flood component of the premium (where covered), or to the optional covers Portable contents (if selected) and Domestic Workers’ compensation (if available and selected, not available from 21 December 2025). Minimum premiums may apply.
[Landlord] Not available with respect to any additional compulsory excess, or to any imposed excess applied to the policy. Any reduction in premium won’t be applied to government taxes and charges, any flood component of the premium (where covered), or to Landlord’s workers compensation (if available and selected, not available from 21 December 2025) and the Theft by Tenant part of the optional cover Rent Default and Theft by Tenant (if selected). Minimum premiums may apply.
6. Instalment premiums
If you choose to pay your premium by instalments, you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.
7. 72 Hour exclusion period
We may not provide cover for any loss of or damage to your property caused by cyclone, flood, flood water combined with run-off and/or rainwater, grassfires and bushfires during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.
8. Earthquake excess
An additional imposed excess amount of $250 applies for each claim or loss or damage caused by an earthquake or tsunami, or a series of earthquake or tsunamis, during any period of 48 consecutive hours.