St.George Home Insurance review

Finder Score	Fire, Storm & Theft Damage	Flood	Escape of Liquid	Accidental damage
Finder score 8.9 Great St. George Contents Insurance	Finder score 8.9 Great				Optional	Continue View details Compare product selection Compare	loading
Finder score 8.7 Great St. George Building Insurance	Finder score 8.7 Great				Optional	Continue View details Compare product selection Compare	loading
Finder score 9 Excellent St. George Home and Contents	Finder score 9 Excellent				Optional	Continue View details Compare product selection Compare	loading

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How we picked these

How we calculate Home insurance Finder Scores

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What different scores mean

9+

Excellent

These products offer a balance between low pricing and more features.

7+

Great

Competitive products within their group.

5+

Standard

Usually these products would either have fewer benefits or higher pricing.

0+

Basic

Offering basic cover with limited features or higher pricing.

What does St.George Home Insurance cover?

St.George has 3 home insurance policy options: Home and Contents Insurance, Building Insurance and Contents Insurance. You can also choose from 3 levels of comprehensiveness: Essential Care, Quality Care and Premier Care.

Here are some of the main insured events you'll be covered for by a St.George Home Insurance policy.

All policies come with a basic excess of at least $100, which you need to pay whenever you make a home insurance claim, and a cooling off period of 14 days. If you cancel your policy within this timeframe, you can receive a full refund.

Here's a breakdown of St.George Home Insurance features

St.George Home Insurance complaints

Allianz Australia, the brand that underwrites St.George home insurance, was the subject of 765 home insurance complaints and 138 contents insurance complaints in the 2024/25 financial year. However, Allianz Australia is categorised as a "very large" insurer. AAI, another "very large" insurer, received 1,584 home insurance complaints and 384 contents insurance complaints in the same time period.

Frequently asked questions

• How do I make a home insurance claim with St.George?

  It's quick and easy to lodge a claim under your St.George Home Insurance policy. You can do this by calling 1300 655 489, available 24 hours a day, 7 days a week, and providing the details of your claim. Alternatively, you can submit your claim online via the St.George website.

• Do I have to pay an excess when I make a claim with St.George?

  Yes. An excess is the amount you're required to pay when you make a claim. You can find the excesses that apply to your cover on your policy schedule.

  The minimum basic excess amount is $100, but you can choose to increase this by adding a voluntary excess in order to receive cheaper premiums. The total basic excess payable consists of your minimum basic excess plus any voluntary excess you choose to add.

  The following total basic excess options are available:

  • $100
  • $250
  • $500

  • $1,000
  • $2,000
  • $5,000

• Who is the underwriter for St.George Home Insurance?

  St.George Home Insurance is currently underwritten by Allianz Australia Insurance Ltd. Up until recently, it was underwritten by Westpac.

• Who is eligible for a St.George home insurance policy?

  A St.George home building or contents insurance product is suitable for those who:

  • Own or have a legal interest in a residential property in Australia
  • Need building or contents insurance to cover the financial costs of repairing, rebuilding or replacing the insured building or items in the event that they are damaged,
    destroyed or lost as a result of an insured event
  • Need legal liability cover

Leave a St.George Home Insurance review

If you've held or currently hold a St.George Home Insurance policy, we'd love to hear from you. Your reviews help other Australians decide if St.George is right for them. Some reviews are from a survey commissioned by Finder.

Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 577 Finder guides across topics including:

• Health, home, life, car, pet and travel insurance
• Managing the cost of living