Youi building insurance: what each policy covers, and who underwrites it
2 building policies from Youi. For each: how the building is valued, whether flood and accidental damage are covered, and what happens once the building is left empty, with the sentence from its own documents. Underwritten by Youi Pty Ltd.
- Website
- youi.com.au/
- What it is
- Insurer
- Listed on
- Houses and rental properties
- Underwriter
- Youi Pty Ltd
- APRA
- Authorised by APRA to write new general insurance (listed as Youi Pty Ltd)
Building policies
Youi Building Insurance
- Type
- Home building · Residential
- Sold
- Direct
- Building valued as
- Sum insured
- Flood
- Included
- Accidental damage
- Optional extra
- Left empty
- Extra excess after 60 days. You must tell the insurer. Unoccupied means no one eating, sleeping and living there with your permission, or no utilities connected. Amount shown on the policy schedule.
- Who it is for
- Homeowners (owner-occupiers or landlords) of freestanding homes and similar; not apartments/units or strata buildings.
- Documents
- Home Insurance Product Disclosure Statement (buildings, contents, landlord) (1 July 2026) · Home Target Market Determination (1 July 2026)
- Buildings Accidental Damage is an optional extra that can only be added if you have buildings cover with Youi.
- Not suitable for apartments or units, or buildings under strata/body corporate title.
The policy
“Buildings Insurance is one of the covers available for purchase through Youi's Home Insurance product.”
Source: youi.com.au/tmd/home-insurance · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“Youi Buildings and/or Contents Insurance can only be purchased from the Youi website or contact centre.”
Source: youi.com.au/tmd/home-insurance · Confirmed on the insurer's page on 13 November 2026.
How the building is valued
“you select an overall current replacement value for buildings and for contents.”
Source: youi.com.au/documents/home-pds · Confirmed on the insurer's page on 13 November 2026.
Flood
“With cover for theft, fire, earthquakes, floods, storms and much more”
Source: youi.com.au/home-insurance/building · Confirmed on the insurer's page on 13 November 2026.
Accidental damage
“If you have this optional cover, accidental damage to buildings is included as an insured event.”
Source: youi.com.au/documents/home-pds · Confirmed on the insurer's page on 13 November 2026.
Left empty
“An additional excess applies if at the time of the incident covered by your policy the premises has been unoccupied for more than 60 continuous days.”
Source: youi.com.au/documents/home-pds · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“The Youi Buildings Insurance product has been designed for homeowners and those with a financial interest in the home who may experience a financial burden should an event damage their home or legal liability arise because of an incident at their home.”
Source: youi.com.au/tmd/home-insurance · Confirmed on the insurer's page on 13 November 2026.
Youi Landlord Insurance
- Type
- Landlord · Residential
- Sold
- Direct
- Building valued as
- Sum insured
- Flood
- Included
- Accidental damage
- Optional extra
- Left empty
- Extra excess after 60 days. You must tell the insurer. Unoccupied means no one eating, sleeping and living there with your permission, or no utilities connected. Amount shown on the policy schedule.
- Who it is for
- Homeowners who rent out all or part of the home.
- Documents
- Home Insurance Product Disclosure Statement (buildings, contents, landlord) (1 July 2026) · Home Target Market Determination (1 July 2026)
- Landlord is a cover type within the same Youi Home Insurance PDS as Building cover; loss of rent for up to 12 months is included after an insured event.
The policy
“Whether you’re renting out a house, unit or apartment”
Source: youi.com.au/home-insurance/landlord · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“Youi Buildings and/or Contents Insurance can only be purchased from the Youi website or contact centre.”
Source: youi.com.au/tmd/home-insurance · Confirmed on the insurer's page on 13 November 2026.
How the building is valued
“you select an overall current replacement value for buildings and for contents.”
Source: youi.com.au/documents/home-pds · Confirmed on the insurer's page on 13 November 2026.
Flood
“Youi’s landlord insurance covers your property for some severe weather events, such as storms and floods”
Source: youi.com.au/home-insurance/landlord · Confirmed on the insurer's page on 13 November 2026.
Accidental damage
“If you have this optional cover, accidental damage to buildings is included as an insured event.”
Source: youi.com.au/documents/home-pds · Confirmed on the insurer's page on 13 November 2026.
Left empty
“An additional excess applies if at the time of the incident covered by your policy the premises has been unoccupied for more than 60 continuous days.”
Source: youi.com.au/documents/home-pds · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“These homeowners may be owner-occupiers or landlords (owners that rent out all or part of the home).”
Source: youi.com.au/tmd/home-insurance · Confirmed on the insurer's page on 13 November 2026.
Who underwrites and sells it
Underwriter
“This product is issued by: Youi Pty Ltd”
Source: youi.com.au/documents/home-pds · Confirmed on the insurer's page on 13 November 2026.
Youi Pty Ltd: licence
- AFS licence
- 316511 · YOUI PTY LTD
- ABN
- 79123074733
- Licensed since
- 3 March 2008
- Principal business
- Sippy Downs QLD 4556
- General insurance
- Licensed to deal in general insurance products
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. What each policy covers and who underwrites it are read from each insurer's own documents by hand and re-checked daily, so a change can take a day to appear, and the policy wording you are issued is what applies to you. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.