Getting home insurance in South Australia is simple. All you have to do is compare policy benefits, find a brand that will cater to your needs and get a direct quote. Get many direct quotes if you like.
Home insurance will protect you from a scorching bushfire, a flash flood that came out of nowhere or a break-in that happened when you were out of town. So make sure you're prepared.
Each month, we get crunching on most every home insurance product in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster.
The Finder Customer Satisfaction Awards recognise Australia's favourite brands across a huge number of categories. We survey thousands of real Australians to understand how they feel about their recent product purchases, and use that information to reward the most popular brands.
Here is the 2021/2022 winner and finalist in South Australia.
The following are some of the main reasons South Australians need to think about buying home insurance:
It can be hard to know what to look for when buying home insurance in SA. These are the things worth considering before you buy a policy.
Home insurance
Also known as building-only insurance, this insurance protects the physical structure of your home.
Contents insurance
This insurance protects your valuables from things like damage, theft, floods and storms.
Home and contents insurance
This is a combination of both home insurance and contents insurance in one policy.
For an idea of how much home and contents insurance costs for the year in South Australia, check out the price comparison in the graph below.
Keep in mind that home insurance costs in South Australia vary depending on a number of factors such as location. For instance, if you live in a flood-prone area or where theft is high, your premiums are likely to be higher.
Similarly, the construction of your home and its value will affect the cost of home insurance since specific building materials are more likely to resist damage and be cheaper to repair. Other factors include the security measures you've taken to protect it and the value of the belongings in your home.
The vast majority of Australian home insurers offer their policies to homeowners Australia-wide. This means South Australian residents can access cover from any of the leading insurers found in the finder.com.au home insurance panel, including the following:
Before deciding whether a policy is right for you, make sure you take a close look at the PDS and its list of general exclusions. For example, no cover will be available in the following situations:
* The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.
GMCU home insurance is backed by Allianz, which has a strong complaints record and solid benefits. However, premiums are also more expensive than average.
Australian Unity has a strong complaints record and competitive benefits, but it’s lacking in underinsurance protection which is a popular feature offered by many other brands.
Guild does have some market-leading benefits, but it was also one of the most expensive policies we compared. Read our full review.
Great Southern Bank offers a good range of benefits but it lacks underinsurance cover and premiums are quite expensive.
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