Home insurance deals
Choose from loads of home insurance deals and spend the savings on something fun.
Home insurance is a significant investment, but you can save a tonne of cash by looking for discounts before settling on a policy. You could use these savings to take out a higher level of cover and get additional protection, or end up with more money in your pocket.
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How we picked theseWhat other types of discounts can I get on home insurance?
Before choosing an insurer, check which of the following discounts you may be eligible for:
- Multi-policy discounts. By holding multiple insurance policies with an insurer, you can often get additional discounts on secondary policies, including combined or separate home and contents cover.
- Cheaper policies online. You can get a discount of up to 15% just for buying home insurance online.
- Security system discounts. If your home is well secured, you don’t need to pay as much for cover.
- No-claims discounts. As with other types of insurance, you can sometimes receive a discount if you haven’t made a claim for a certain amount of time.
- Seniors’ discounts. Over 55s and pensioners can sometimes get a seniors’ discount.
How else can I save on cover?
Discounts aren't the only way you save on your home insurance. You can:
- Opt for a higher excess. Most insurers will lower premiums in exchange for a higher excess.
- Avoid unnecessary claims. By avoiding small, non-essential claims, your premiums won't go up.
- Pay annually. This is often cheaper than paying monthly. If you can’t pay your premium all at once, it’s worth looking for an insurer that offers monthly, fortnightly or other payment schedules at no extra cost.
- Good maintenance and weatherproofing. Many home insurance claims are the result of poor maintenance or not having an appropriately weatherproofed home. Reduce your chances of needing to make a claim and keep total costs down by making sure your home has suitable weatherproofing for your area and by fixing small problems before they become big ones.
- Choose the right sum insured. Your total sum insured is the amount you could claim if you lost everything. If it’s too low then you’re underinsured and if it’s too high then you’re paying too much. Choose the right amount for your needs and consider discounts as a way of either reducing costs or getting additional cover at the same price.
What types of home insurance policies can I get discounted?
The discounts available depend on the insurer and on any limited offers that are present at the time. Based on these factors, you can get deals on the following:
- Combined home and contents insurance. It’s usually more cost effective to bundle your home and contents insurance with the same provider. You can then find additional discounts for a combined home and contents insurance policy here.
- Building insurance or contents insurance. Sometimes it might be more effective to separate your building and contents insurance policies. When separated, you can get discounts for building-only insurance and deals for contents-only cover.
- Renters insurance. Discounts aren’t limited to homeowners. Renters can also find ways to spend less on cover.
- Landlord insurance. Landlords can save too and enjoy many of the same deals on home and contents insurance policies.
By looking for deals and discounts, you don’t leave yourself unprotected. Almost everyone, no matter what their living situation or insurance needs, can find discounts for their home insurance. If you’re paying full price for your cover, it might be time for a change.
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Where can I find insurance for a heritage house under repair?
Hi Myra,
If the home is registered as a local heritage listing and the repairs are minor, that might be quite straightforward to arrange insurance. If the home is registered as heritage at a state level, the expectations and rules around upkeep of the home can be more stringent. Because this is a specialist home and situation, you might be best off approaching an insurance broker to find you suitable insurance.
Hope this helps!
What will it cost to insure my house with a granny flat.
They are both two stories.
I have only made a claim for the ceiling that broke up in the garage
Hi John, The cost will depend on your location, the size and age of the house, and other factors. You can compare what’s on offer from home insurers and then seek a quote to get a more precise figure.
Hi Amy,
Your best bet is to contact the Housing Authority and ask for assistance. Their contact details are here.