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Over Fifty Home and Contents is an Allianz-underwritten, sum-insured policy: you choose separate amounts for your building and belongings, and those amounts need to reflect what it would cost to repair or replace them. CHOICE’s review snapshot lists broad insured-event cover, but key conditions, exclusions and optional extras affect how useful that cover is. Its open review page does not show a numerical score or price rating, so there is not enough public information to call it the best or cheapest policy.
Who underwrites Over Fifty Home and Contents?
CHOICE identifies Allianz Australia Insurance Limited as the provider of Over Fifty Home and Contents. CHOICE also says the policy’s cover is identical to eight other policies in its comparison, although their prices may differ. That means the Over Fifty name alone does not establish a price advantage. CHOICE’s Over Fifty review is a comparison snapshot; the applicable Product Disclosure Statement (PDS), Key Fact Sheet and policy schedule set out the contract terms.
What does the policy cover?
The policy is sum-insured: you nominate a building sum insured and a separate contents sum insured. CHOICE’s review lists cover for these events, subject to the policy’s conditions and exclusions:
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- Theft, with restrictions on who commits the theft.
- Fire and bushfire, and flood and run-off.
- Storm and cyclone, escape of water, vandalism and impact.
- Earthquake, tsunami and explosion.
CHOICE lists storm surge and action of the sea as not covered. A listed insured event does not mean every loss associated with it is covered: the cause, timing, property maintenance and specific wording can matter.
#1 Best Overall
- Read Before You Buy — No Video Output: These adapters support charging and USB 2.0 data transfer, but cannot transmit video signals. Except for standard USB webcams (which use USB data only), they are not compatible with HDMI/DisplayPort cables, video-capable USB-C hubs, or docking stations with video output.
- Convert USB-A Ports to USB-C: Designed to connect USB-C earphones, cables, flash drives, card readers, and other USB-C accessories to standard USB-A ports. Plug-and-play with no drivers or software required.
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- 12-Month Warranty: Backed by a 12-month manufacturer warranty for peace of mind. Designed to meet strict quality control standards for reliable everyday performance.
Flood, storm and waiting periods
CHOICE’s snapshot lists a 72-hour waiting period for bushfire and grassfire, flood, and cyclone cover. For flood, it lists flood and run-off, as well as specified earth movement directly caused by flood within 72 hours, subject to exclusions. For storm and cyclone, it lists storm, rainwater and run-off, including water entering through openings made by the storm. Its summary also identifies exclusions involving hydrostatic pressure, poor maintenance, known defects or deterioration, and certain pool or retaining-wall damage. Check the wording for the policy being quoted rather than assuming the event label settles a claim.
Theft and water leaks
CHOICE lists theft by tenants renting a separate dwelling at the insured address, but not theft by residents, invited people, employees or people acting with consent. For escape of water, its snapshot describes cover for specified fixed pipes, appliances, sinks, baths, tanks, pools and other apparatus, while identifying exclusions for leaks a policyholder could reasonably have been expected to know about, defective parts and certain shower-area damage.
Rank #2
- 5-in-1 USB-C Hub: Experience comprehensive connectivity featuring a Power Delivery input, two USB-A 2.0 ports, a USB-A 3.0 port, and an HDMI port. (Note: The USB-C power delivery input port is only for connecting an external wall charger to power your laptop and cannot power peripheral devices.)
- 90W Pass-Through Charging: Achieve optimal charging with 90W pass-through power to your laptop, supported by a total input of 100W, with the hub reserving 10W for operational efficiency. (Note: Wall charger not included.)
- Quick Data Transfers: Accelerate your productivity with rapid data transfers using a high-speed 5Gbps USB 3.0 port and two 480Mbps USB 2.0 ports.
- 4K HDMI Display: Enhance your visual experience with a hub capable of delivering 4K resolution at 30Hz in both mirror and extend modes. Please note that this hub is compatible with MacBook (macOS 12 and newer), Windows 10 and 11, ChromeOS, and laptops equipped with DP Alt Mode and Power Delivery. Note: This device is not compatible with Linux.
- What You Get: Anker USB-C Hub (5-in-1, 4K HDMI), welcome guide, 18-month warranty, and our friendly customer service.
CHOICE separately describes Over Fifty as covering gradual leaks in a comparison article. Read these statements together: some gradual-leak cover may exist, but not every gradual leak or resulting damage is necessarily covered. The circumstances and applicable PDS determine how the terms apply. CHOICE’s explanation of home-insurance cover provides comparison context, not a substitute for the policy wording.
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Accidental damage
CHOICE lists accidental damage as optional. Its examples include accidental damage to the home or contents, motor burnout, some water entering through an open door or window, overflow from a tap left running with the plug in, scorching or melting, ceramic tiles and specified electronic screens. These are examples from CHOICE’s review, not a guarantee that every incident or item qualifies. Check whether the option is included in the quote, what excess applies and which items or circumstances are excluded.
Rank #3
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- Flawless 4K@60Hz Video with HDMI: Delivers exceptional clarity and smoothness with its 4K@60Hz HDMI port, making it ideal for high-definition presentations and entertainment. (Note: Only the HDMI port supports video projection; the USB-C port is for data transfer only.)
- Double Up on Efficiency: The two USB-A 3.0 ports and a USB-C port support a fast 5Gbps data rate, significantly boosting your transfer speeds and improving productivity.
- Fast and Reliable 85W Charging: Offers high-capacity, speedy charging for laptops up to 85W, so you spend less time tethered to an outlet and more time being productive.
- What You Get: Anker USB-C Hub (7-in-1), welcome guide, 18-month warranty, and our friendly customer service.
Portable contents
Portable contents cover is also listed as optional. CHOICE’s snapshot gives an overall selected limit of $1,000–$7,500 for unspecified portable items, with per-item limits of $500–$2,000. Those figures are review-page specifications; confirm the available choices, conditions and limits in the current PDS and schedule.
Which limits could affect a claim?
CHOICE’s review lists legal liability cover up to $20 million and temporary accommodation for up to 12 months or 10% of the sum insured. It also lists up to $2,000 for contents kept in the open air and specific limits for selected jewellery, artworks and collections. These are summary figures, not a promise that every claim receives the maximum: sublimits, eligibility rules, exclusions and the policy schedule matter.
Rank #4
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- Next-Level 10Gbps & 3A Charging: No more slow 480Mbps, this usb to usb c adapter has a transfer speed of up to 10Gbps, allowing you to do more transferring in less time. This usb adapter fits both USB A and USB C charger, supporting up to 3A fast charging
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CHOICE also lists new-for-old replacement for contents, with mobile phones and tablets excluded from that feature. It says the insurer must be told if the home will be unoccupied for more than 60 days. Verify how these terms apply to your policy and circumstances.
How should you choose the sums insured?
Because the policy depends on nominated sums, an amount that is too low can leave you underinsured; an amount that is too high may mean paying for more cover than you need. Estimate building replacement needs separately from the value of household contents, and check whether any special limits apply to valuable items. A home inventory record book can help you list belongings and estimated values; it is an optional record-keeping aid, not an insurer requirement.
Best Value
- 5-in-1 Connectivity: Equipped with a 4K HDMI port, a 5 Gbps USB-C data port, two 5 Gbps USB-A ports, and a USB C 100W PD-IN port. Note: The USB C 100W PD-IN port supports only charging and does not support data transfer devices such as headphones or speakers.
- Powerful Pass-Through Charging: Supports up to 85W pass-through charging so you can power up your laptop while you use the hub. Note: Pass-through charging requires a charger (not included). Note: To achieve full power for iPad, we recommend using a 45W wall charger.
- Transfer Files in Seconds: Move files to and from your laptop at speeds of up to 5 Gbps via the USB-C and USB-A data ports. Note: The USB C 5Gbps Data port does not support video output.
- HD Display: Connect to the HDMI port to stream or mirror content to an external monitor in resolutions of up to 4K@30Hz. Note: The USB-C ports do not support video output.
- What You Get: Anker 332 USB-C Hub (5-in-1), welcome guide, our worry-free 18-month warranty, and friendly customer service.
How does Over Fifty compare with other home insurance?
CHOICE says its Expert Rating combines a Cover score weighted at 60% and a national Price score weighted at 40%; its methodology was last updated in 2024. The method also scores policy features and restrictions, and gives lower component scores to cover available only as an optional extra than to equivalent default cover. CHOICE’s insurance review methodology explains the rating framework.
CHOICE’s open Over Fifty page does not disclose its numerical cover score, overall Expert Rating, price score, member recommendation or customer satisfaction results. It says the insurer does not share price data with CHOICE, and the review scores the policy on cover only. A live quote is therefore necessary to assess the actual premium.
Compare quotes on the same basis, not just by brand or headline price:
- Annual premium and applicable excesses.
- Building and contents sums insured.
- Which accidental-damage and portable-contents options are included or cost extra.
- Flood, storm, water-leak and theft conditions.
- Temporary accommodation limits and relevant item sublimits.
- Exclusions, waiting periods and any conditions that fit your property or household.
Which policy documents should you check?
Over Fifty says its webpage is a limited summary of cover and directs customers to the relevant PDS and Key Fact Sheets for terms, limits and exclusions. Its official home insurance page says: “This is a limited summary of cover only.” The insurer’s policy-document index separates documents by effective date and flood-cover arrangement. It identifies PDS policies effective from 21 December 2025 as having flood cover standard for that class, and says domestic workers’ compensation can no longer be added to a Home and Contents policy. Which documents and terms apply depends on the specific policy. Before buying or renewing, match the PDS, Key Fact Sheet and schedule to the quote and its effective date.
Quick Recap
How to reach a decision
- Get a current quote using realistic building and contents sums insured.
- Check the schedule to see which optional covers and limits are actually selected.
- Read the matching PDS and Key Fact Sheet for exclusions, waiting periods, excesses and claim conditions.
- Compare the quote against alternatives with the same sums insured and a similar mix of included and optional cover.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
