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St.George Home Insurance review
St.George is one of the cheapest home insurance providers around and, unlike most, lets you pay monthly at no extra cost.
Key takeaways
- St George has 3 different home insurance policies to choose from.
- It's underwritten by Allianz which is good for those who prefer well-known insurance providers.
- You should compare quotes from multiple insurance providers to help find the right fit for your home.
We don't currently have this brand on our panel. But don't fret! You can head to the St.George website or compare a bunch of other home insurance companies with finder.
Compare home insurance policies below
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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
Standard features
Here are some of the standard inclusions you'll get with a St.George Premier Care Home Insurance policy:
- Sum insured safety net
- Malicious acts and unrest
- Electrical motor burnout
- Accidental loss or damage
- Storm, flood, fire, lightning, earthquake, impact, explosion
- Accidental glass breakage
- Emergency accommodation
- Theft
- Escape of liquid
- Legal liability cover
Optional add-on
St.George Home Insurance has loads of inclusions, so this is the only optional add-on available:
- Personal valuables cover
Exclusions
St.George will not pay your claim for any of the following reasons:
- Events covered by a warranty, guarantee or service contract
- Defects
- Wear and tear
- Landslide
- Damage by vermin or insects
- Unlawful acts
- Tree roots
- Loss or damage if your home is unoccupied for more than 60 days
Our verdict
- St.George offers competitively priced home insurance policies, according to our research.
- St.George's 25% saving when you buy online is one of the best sign-up discounts available on Finder, compared to 7 other policies.
- St.George's $20,000,000 legal liability limit is probably more than enough for most but some, like QBE, offer more.
St.George Home Insurance complaints
We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2022 and June 2023. The data breaks down different underwriters and compares their business size to the number of complaints processed.
When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.
Here's an overview of how St.George (Allianz) did:
- St.George (Allianz) had 1,275 complaints during this period, in between other very large insurers such as AAMI and Bendigo Bank.
- Only 34.27% of complaints were resolved directly with customers. This is very similar to other very large insurers like Bendigo Bank.
Here's the bottom line about St.George Home Insurance
St.George seems to be competitively priced and offers one of the best sign-up discounts in the market. Just make sure the policy is right for your home and your lifestyle.
If you're still not sure, you can compare St.George Home Insurance against other home insurance companies.
Frequently asked questions
Compare other products from St.George
- St.George credit cards
- St.George home loans
- St.George personal loans
- St.George car loans
- St.George business loans
- St.George travel insurance
- St.George car insurance
- St.George life insurance
- St.George landlord insurance
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.
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Ask a question
Which insurers cover termite damage
Hi VA,
Termite damage is not typically covered by home insurance. Learn more here.