Is Australian seniors home insurance good?

Is Australian Seniors home insurance good, which is brand targeting over 50s owned by IAG, same group as NRMA, it is generally rated as good for seniors with competitive premiums and good service, but not cheapest. Australian Seniors home building and contents insurance offers sum insured $500K building and $80K contents, with benefits like 15% online discount, choice of repairer option, flood cover included, accidental damage option and $20M public liability, plus senior-specific benefits like no excess for some claims and flexible payment. Reviews on ProductReview and Trustpilot give Australian Seniors 4.0 to 4.3 stars out of 5, with customers praising easy claims and friendly service, but some complaining about premium increases 20% per year and exclusions for flood in high-risk areas. Canstar rates Australian Seniors 4 stars for value and features, with average premium $1,600 to $2,200 for combined building and contents for average house, which is mid-range, cheaper than NRMA $1,900 to $2,500 but more expensive than Budget Direct $1,200 to $1,600. For seniors over 50, it offers discounts for security and no claims, and allows monthly payments. For flood and bushfire cover, it includes but with limits. So Australian Seniors home insurance is good for seniors seeking reputable insurer with good service and senior benefits, with 4-star rating, but not cheapest, and you should compare PDS for flood and excess, as Budget Direct cheaper but less service.