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Home Insurance

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on your 1st year’s premium when you quote & buy a new policy online1,4

24/7 claims assistance

Pay by the month at no extra cost6

You can rely on OFI

Insure your home, the things inside it, your portable contents or your investment property. With products and options to tailor your cover, you can select the right product for you.

Buildings & contents

  • Save up to 10% on your first year’s premium when you quote and buy a new home insurance policy online 1,4
  • Combine your building and contents cover to receive up to 10% discount on your premium 2,4

Contents

  • Designed to cover items at your home, from furniture and white goods, to personal belongings like computers, clothing and shoes
  • Cover for contents intended to be kept outside, like your barbeque, outdoor furniture and children’s play equipment up to $2,000 in total

Buildings

    • Designed to cover the physical structures that make up your home buildings, including the garage, deck, sheds and more.
    • Cover against loss or damage caused by fire7, storms7, earthquake8, impact damage, and more

Landlord

  • Cover for loss or damage caused by an insured event  to your investment property and/or the contents you provide for the tenant’s use
  • Up to $20 million legal liability cover

Renters

  • Cover for your belongings at your rental property from damage caused by fire7, theft and storm7
  • Covers landlord’s structures or fittings for which you, the tenant, are legally responsible under your lease

Policy Documents and Key Fact Sheets

This is a limited summary of cover only. For full details of the terms, conditions, limits, and exclusions about our home insurances please refer to the relevant Over Fifty Home and Contents Insurance and or Over Fifty Landlord Insurance Product Disclosure Statements (PDS) and any applicable supplementary PDS before making a decision to purchase the insurance. To see some of the events covered and not covered, please refer to the Over Fifty Home Buildings, Over Fifty Home Contents, Over Fifty Landlord Buildings or Over Fifty Landlord Contents Key Fact Sheets (KFS)

DISCLAIMERS
Over Fifty Insurance Pty Ltd ABN 58 007 165 200 AR 295939 arranges this insurance as 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. Any advice provided is general advice only. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from www.over50insurance.com.au. The relevant Target Market Determination is available by calling 13 31 30. If you purchase this insurance, we will receive a commission that is a percentage of the premium, a profit share and marketing costs.  Ask us for more details before we provide you with services.
 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), or upon renewal . Minimum premiums 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), or upon renewal. Minimum premiums may apply.
2. Combined
A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home and Contents Insurance policy, including the optional covers (if selected): Motor Burnout and Accidental Damage cover. The combined discount doesn’t apply to any flood component of the premium (where covered) or to the optional Portable contents (if selected) and Domestic workers’ compensation (if available and selected). Minimum premiums may apply.
3. No Claims Bonus
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) 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).
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 Insurance: 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). Minimum premiums may apply.
Landlord Insurance: 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) 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 waiting period
We may not provide cover for any loss of or damage to your property caused by cyclone, grassfires and bushfires, and certain other insured events during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to the PDS for a full list of the insured events to which the 72 hour exclusion period applies and the relevant exceptions.
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 series of earthquake or tsunamis, during any period of 48 consecutive hours.