Home insurance comparison

Over 400 hours spent researching 30 brands (yup, really) - we can't make it less boring, but we can make it easier.

1 - 10 of 106
Name Product AUFHO Finder score
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
4.5/5★★★★★
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
N/A
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
4.5/5★★★★★
Save 30% on your first year's premium when you purchase a new combined Home & Contents insurance policy online. T&Cs apply.
QBE Home & Contents Insurance
3.5/5★★★★★
Green CompanyBonus
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
3.5/5★★★★★
Our verdict: Finder's Top Pick for Floods plus cover for other common claims such as fire and theft). Its discount is better than most – 20% off your first year with a combined policy.
Youi Building and Contents Insurance
4.5/5★★★★★
Best Rated Brand
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
4.5/5★★★★★
Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. It’s good if you want a tailored quote over the phone.
Budget Direct Home & Contents Insurance
4.5/5★★★★★
Best Rated BrandBonusFinder Award Finalist
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
4.5/5★★★★★
Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover and gives you up to 30% off your first year's premium for new combined Home & Contents policies purchased online.
Qantas Home and Contents Insurance
4.5/5★★★★★
BonusFinder Award Finalist
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
4.5/5★★★★★
Our verdict: Earn up to 40K Qantas Points for joining by 29 January. Plus save 30% on your 1st year’s premium for purchasing a combined home and contents policy online. T&Cs apply.
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
N/A
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
N/A
Our verdict: Save up to 10% on your policy in the first year.
Honey Home & Contents Insurance
4.5/5★★★★★
Bonus
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
4.5/5★★★★★
Our verdict: Honey gives you $250 smart sensors to reduce accidents and estimates your rebuild costs for you. Honey was a finalist for the comprehensive category in this year’s Finder Awards.
Kogan Home & Contents Insurance
3/5★★★★★
Bonus
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
3/5★★★★★
Our verdict: Good comprehensive cover (issued by QBE). Also, get $5 Kogan.com credit when you purchase a new combined Home & Contents insurance policy online. T&Cs apply.
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
N/A
Save up to 10% on your policy in the first year.
Youi Building Insurance
4.5/5★★★★★
Best Rated Brand
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
4.5/5★★★★★
Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. It’s good if you want a tailored quote over the phone.
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What is home and contents insurance?

Your home is likely to be the most expensive thing you own. If it gets damaged by a falling tree, burst pipes or a storm, you'll be patting yourself on the back for organising home insurance. Here's a quick breakdown of what you get:

  • The ability to rebuild. If an unexpected disaster strikes, you'll be able to repair or rebuild from scratch.
  • Protection of your possessions. Whether it's family heirlooms, your cosy sofa or even your Xbox, the contents of your home aren't just stuff. With contents insurance, you can repair or replace your possessions if they're damaged by fire, storm, theft or other insured events.
  • To meet your obligations. If you take out a mortgage to buy a home, it's a condition of your loan contract to take out home insurance – the lender wants to be sure your property is protected if something happens.
  • Peace of mind. With the right policy in place, you can rest assured you'll have the financial support you need if something major happens to your home or its contents.

The types of home insurance you can compare

Home and contents insurance

This is combined insurance that covers your house and your possessions within it (most of the options in the table above are home and contents policies). It'll cover the cost of repairing or rebuilding your home if it's damaged from an insurable event, like a storm. I it also covers your possessions – furniture, electronics, carpets, curtains and clothing – from loss, damage and theft. You can also pay for extra cover for items you take outside of the house (like electronics or jewellery).

Contents insurance

Contents insurance covers just your possessions in the home. This includes jewellery, electronics, carpets, curtains, furniture, appliances and furnishings. This is a great option for renters or those homeowners who live in an apartment.

Building insurance

This is stand-alone cover for only your home. It also covers other fixtures on your property, such as garages, fences, and sheds. It protects you against a bunch of natural events, such as fire, storm damage and (depending on the policy) floods.

Landlords insurance

Landlord insurance protects your home against theft, malicious damage, loss of rent, as well as natural events like storms, flood and fire. It's a smart idea if you're renting your home out to strangers.

Strata insurance

When you live in a group living setting, like a block of apartments, you need cover for the building and common property like lifts, pools, car parks, gardens, balconies, driveways and even walls.

What does home insurance cover?

Fire
Fires
For example, a fire or bushfire destroys your home. Only some policies cover accidental fires.
storm
Storms
For example, if wind from a storm damages your roof.
theft
Theft
For example, replacing locks and stolen items after a break-in.
Impact damage
Impact
For example, if a tree falls and damages part of your home.
leak
Leaks
For example, if a pipe bursts and ruins your floors.
Michael Doubinski's headshot
Expert insight: The importance of disaster cover

"Given Australia's increasing frequency of natural disasters, it's crucial to understand how home insurance can support you. Temporary accommodation is vital for families displaced by events like bushfires and floods. Portable homes, often covered under home insurance policies, provide a secure and immediate solution, ensuring that families have a safe place to stay while their permanent homes are being restored."

CEO, PennyGranny

How to actually insure your house

Step 1:
Evaluate how much your home and possessions are worth. When you take out home insurance, you give a dollar value to your insurer for how much your home is worth. The cost of home insurance for you will depend on this figure. Insure your house for too little and you risk being underinsured and out of pocket come claim time. Overinsure your house and you'll pay higher premiums.

Step 2:
Determine what kind of cover you need. Do you want to cover your home and everything in it? Then opt for home & contents insurance. Only want to cover your contents? Just your building? Figure out what kind of things you want to cover and find the policy that fits those needs. For example, a policy that offers total replacement cover might cost more but will also ensure you won't be underinsured. You'll also pay more if you want to get covered for accidental damage, but if you've got toddlers running around this is a no-brainer and could save you more cash in the long run.

Step 3: Compare insurers.
Once you've figured out how much your home and contents is worth and you know what policy you're after, start comparing insurers. Be sure to look at what the policy features as well as price.

Gary Ross Hunter and Jessica Prasida

Meet our experts

Collectively, our experts have over 12 years of experience helping people find home insurance.

We've written hundreds of guides (211 so far and counting) and are passionate about presenting the most up-to-date and relevant information for you.

We can help provide answers during major weather events and natural disasters such as La Niña, the recent Australian floods or during bushfire season.

You can regularly catch our experts on TV shows such as Sunrise and 7News dishing out the latest home insurance savings tips.

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Here's what some of our experts have to say...

Compare Finder's home insurance award winners

Our team of experts researched 68 home insurance policies and selected 2 Finder Award winners based on value and comprehensiveness.
We also ran awards for customer satisfaction, innovation and green insurance.

How much does home insurance cost?

We gathered over 300 quotes from 17 different insurers
for a $500,000 building and $100,000 of contents.

On average, the monthly cost of home insurance
in Australia is:

$160

How we got this price

How can I save on my home insurance?

Number 1

Don't just renew

Global warming is to blame for a lot. It's also a major reason home insurance costs are rising. You don't need to just accept the price increase though. When your renewal comes up, shop around. You'll likely find somewhere cheaper.

Number 2

Take advantage of sign-up discounts

Home insurers like to offer sign-up discounts to get you on board. Some can genuinely save you a lot of money, like 30% off your first year. If you want to continue saving though, keep switching every 12 months because insurers often increase existing customers' prices significantly.

Number 3

Install home security

Insurers like safe homes, so make yours like Fort Knox (internal alarms, external sirens or external strobe lights will suffice) and some will charge you less.

Number 4

Increase your excess

This is a specified amount you need to pay whenever you make a claim. All home insurance policies have them. Most will let you increase your excess in return for cheaper premiums. There's a downside though – making a smaller-value claim won't be worth it.

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Donna and Kevin Field's headshot
How Donna and Kevin saved by switching

"When my husband and I turned 60 and became semi-retired we wanted to put a stop to unnecessary purchases/bills so we could spend time enjoying our retirement. When we received our insurance renewal (from a company we'd been with for over 5 years), I was blown away to learn not only were they increasing my premium by 60%, but when I compared their basic cover against Honey Insurance's cover (with added benefits) I was saving over $700 a year!"

Donna and Kevin Field
NSW-based homeowners

Home insurance deals

Remember the deals and sign-up offers we mentioned? We put together a list of them below to help you save:

Store Discount

Receive $250 worth of smart sensors with Honey Home Insurance

Get free smart sensors (valued at $250) to install around your home when you sign up for a combined home and contents policy. T&Cs apply.

Last verified

30% online discount on new home and contents insurance

Receive 30% off your first year's premium when you purchase a new combined home and contents insurance policy online. T&Cs apply.

Last verified

Get a home insurance quote for $5 Kogan.com credit

Get a quote before 11:59am AEST 5 February and you’ll receive a $5 credit to spend at Kogan.com. For purchases over $100 (excluding shipping), T&Cs apply.

Last verified

Deal ends

Save up to 10% on a new combined home and contents insurance policy

Get 10% off your first year's premium when you purchase a new combined home and contents insurance policy online. T&Cs apply.

Last verified

Earn up to 40,000 Qantas Points with Qantas Home Insurance

Earn up to 40K Qantas Points for joining by 29 January. Plus save 30% on your 1st year’s premium for purchasing a combined home and contents policy online. T&Cs apply.

Last verified

Deal ends

Get up to 20% off your first year's premium with QBE Building and Contents Insurance

Discount is made up of a 10% online discount, and a further 10% for buying a combined policy. T&Cs apply.

Last verified

Read our home insurance reviews

Want to find out more about a specific insurance brand? We've reviewed over 60 of them. Here's a bunch of the most popular ones:

If the brand you're looking for isn't here, check out our full home insurance directory.

Why you can trust Finder's home insurance experts

freeYou pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
expert adviceYou save time. We spend 100s of hours researching home insurance so you can sort the gold from the junk faster.
independentYou can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
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Frequently asked questions

Angus Kidman's headshot
To make sure you get accurate and helpful information, this guide has been edited by Angus Kidman as part of our fact-checking process.
Gary Ross Hunter's headshot
Editor, Insurance

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 646 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

Read more on this topic

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72 Responses

    Default Gravatar
    MerakiDecember 9, 2021

    how can I get a cheap home insurance

      AvatarFinder
      JamesDecember 17, 2021Finder

      Hi Meraki,

      Comparing policies from multiple providers is a good way to find cheaper home insurance. However, price is only one consideration when it comes to finding the right cover for you.

      Our guide to first-time home insurance has a lot of good information on how to customise your insurance to your requirements.

      Regards,
      James

    Default Gravatar
    KaneAugust 31, 2021

    I want to insure my Furnitue etc in a container at a self storage facility
    What’s the best way to go about this?

      AvatarFinder
      JamesSeptember 1, 2021Finder

      Hi Kane,

      Home and contents insurance can be customized to have contents in commercial storage covered. If you already have one, you can contact your provider to discuss how you can have it added to your existing policy.

      If you are still in search of a cover, you can check out options on our Compare Home and Contents Insurance page.

      Regards,
      James

    Default Gravatar
    TraceyDecember 10, 2019

    i want home insurance ‘without’ contents. does anyone know of an insurer.

      Default Gravatar
      NikkiJanuary 10, 2020

      Hi Tracey,

      Thanks for your comment and I hope you are doing well.

      Yes, you can find home insurance only for your home through home building insurance. As it says above, this is a stand-alone cover for only your home. It also covers other fixtures on your property, such as garages, fences, and sheds. It protects you against a bunch of natural events, such as fire, storm damage, and floods.

      You will find a table that compares the features and benefits of each home insurance provider in terms of what it does and doesn’t cover. This way it will be easier for you to see which provider fits you best. If you need further help, a quick guide on how to compare home insurance is also stated on the page. As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.

      I hope this helps and feel free to reach out to us again for further assistance.

      Best,
      Nikki

    Default Gravatar
    andrewApril 11, 2018

    I been trying to look for a home insurance for me rental property but it was declined due to the following reasons:

    1. it is a rental property and we don’t know when we can have a tenant to occupy the property
    2. Its still under renovation/construction but water tight now.

    can you please help me find a cover for my property?

      Default Gravatar
      NikkiApril 11, 2018

      Hi Andrew,

      Thanks for your message and for visiting Finder.

      Sorry to hear that you’ve been declined for home insurance. Perhaps you may want to look at landlord insurance. You can compare and choose insurers as well as information on coverage, benefits, and the difference between home insurance and landlord insurance.

      However, many insurers won’t cover you if your property will be unoccupied for over 30 days. It will be considered unoccupied and you may void your home insurance. Each provider imposes its own time limit on the maximum period you can leave your home unoccupied and still expect full coverage under your policy. Some insurers have a maximum unoccupied limit of 60 days, others extend this limit out to 90 days, but some companies require notification if you’ll be away for more than 30 days.

      Check the product disclosure statement (PDS) for the limit imposed by your insurer. If you exceed this limit, one of two things will happen:

      The insurer may impose an additional excess on any claims that arise while your home is unoccupied.
      Your policy may be cancelled.

      However, it may be possible to contact your insurer and arrange for home insurance cover to remain in place for the entire time your home is unoccupied. For more information, you may view our review on unoccupied home insurance.

      Hope this helps! Feel free to message us anytime should you have further questions.

      Cheers,
      Nikki

    Default Gravatar
    PeterJanuary 7, 2018

    If I purchase a property, do I need any form of insurance prior to settlement? Deposit insurance??
    thanks

      AvatarFinder
      JoanneJanuary 9, 2018Finder

      Hi Peter,

      Thanks for reaching out.

      That would be the Lenders Mortgage Insurance and it will depend on how much deposit you are able to make.

      LMI is an upfront charge you will pay if you borrow over 80% of your property’s purchase price or value when buying a home or investment property.

      Because LMI allows many borrowers to purchase a home with as little as a 5% deposit, it’s not just a fee but also a tool. You can learn more about Lenders Mortgage Insurance (LMI). Our guide provides information on how it works, ways to avoid LMI, and answers to commonly asked questions.

      Cheers,
      Joanne

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