fbpx Skip to main content

Home Insurance

Get a quoteRetrieve a quote

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

24/7 online claims lodgement

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
When you quote and buy a new Home insurance policy online, a discount of up to 10% is applied to your first year’s premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.
When you quote and buy a new Landlord insurance policy online, a discount of up to 10% is applied to your first year’s premium including the following optional covers (if selected): Flood and Rent Default and Theft by Tenant. This discount is not applied on renewal.
2. Combined
A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home Insurance policy, including for the following optional covers if selected: Motor Burnout and Accidental Damage cover. The combined discount doesn’t apply to Landlord policies, Flood or Portable Contents optional covers.
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 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. For home insurance customers, the No Claim Bonus is applied to some optional covers if selected; Motor Burnout and Accidental Damage, but not Flood or Portable Contents cover, if selected. For landlord insurance customers, the No Claim Bonus discount doesn’t apply to optional cover Flood, if selected, but is applied to Rent Default and Theft by Tenant, if selected.
4. Minimum premiums
If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced.  For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts.
Discounts do not apply to taxes or government charges.
Discounts do not apply to optional covers for Domestic Workers Compensation / Landlord Workers Compensation, and may not apply to other optional covers (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.
5. Option to change your excess
For home insurance customers: Not available with respect to any additional compulsory excess, imposed excess applied to the policy or to the Portable contents excess. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Domestic Workers compensation, Flood or Portable contents. Minimum premiums apply.
For landlord insurance customers: Not available with respect to any additional compulsory excess, or to the imposed excess applied to the policy. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Landlord’s Workers Compensation, or Flood. Minimum premiums 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, flood,  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 series of earthquake or tsunamis, during any period of 48 consecutive hours.