Home insurance: Compare & save
Our home insurance comparison can help you save time and money on one of your biggest household bills.
Finder makes money from featured partners, but editorial opinions are our own.
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Why compare home insurance with Finder?
You pay the same price as buying directly from the home insurer.
We're not owned by an insurer (unlike other comparison sites).
We don't ask for your phone or email.
We've helped over 300,000 people find home insurance.
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.
Back to topHere's what some of our experts have to say...
To prevent water damage, it's worth making sure your gutters don't become blocked by leaves and other debris this autumn. Home insurance typically won't cover you for damage related to something like this. This is because it's considered general maintenance – that is, something you ought to be doing yourself.
Gary Ross Hunter
Finder insurance and innovations editor
Just having an awareness of what your insurance cover amount is and what your policy covers you for will make a difference. If you just haven't reviewed it for a number of years, it may be time to do that.
Trying to navigate a product disclosure statement can get overwhelming quickly. So I understand why people get confused about what's included in their policies. When I'm doing research, I just Ctrl+F a keyword or phrase and it saves me a lot of time and frustration.
Jessica Prasida
Finder home insurance publisher
One thing I've learned is that every insurer prices its risk in really different ways. Something as simple as the policyholder having a birthday can change the risk profile of the policy and change the premium. I compared options in 2022 when my home insurance premium went up by 33%, and I saved over $1,400! It really pays to shop around.
Sarah Megginson
Finder head of editorial and homeowner
One of the most common accidents is when people have their smartphones accidentally damaged. The great news is most content insurance can cover your phone in and outside of your home. To ensure your phone is properly covered, have it specified on your policy.
I pay for home insurance annually, whenever I can afford to. Insurers often charge more if you pay for your policy once per month. I'm a firm believer that staying loyal to an insurer never pays off with home insurance. I'd encourage consumers to compare at least 4 or 5 different policies when your renewal date creeps closer.
James Martin
Finder insurance editor and homeowner
Learn more about
home insurance
Our home insurance guides can help you compare and understand what cover option is right for you.
Some more helpful guides
Best home insurance
5 policies selected by our experts, assessed and updated regularly
Home and contents insurance
For homeowners who also care about the stuff inside their home
Contents insurance
For folks who only want to cover their belongings (best for renters)
Building insurance
For homeowners who want to protect the building but not its contents
Some more helpful guides
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.
Do you want it ALL?
Honey Insurance is our 2023 winner for comprehensive cover in home insurance.
It comes with automatic flood cover, up to $20,000 towards your home office contents and you also get smart sensors (worth $250) to prevent accidents.
Bang for your buck
Budget Direct is our 2023 value winner in home insurance.
On average, it's cheaper than most insurers and it covers most of the essentials such as fires, storms and theft. You can take out extra cover for things like floods and accidental damage.
Want to go green?
QBE is our green insurer of the year for the fourth consecutive year. It's on track to be net-zero by 2030, a portion of your premiums go towards environmental causes and it can pay for some swanky environmental upgrades if your home is damaged. Plus, it's one of the most comprehensive home insurance policies you can get in Australia.
Pay less with tech
Honey Insurance recently took home the main insurance prize at our 2022 Finder Innovation Awards.
Why? It takes less than 3 minutes to get a quote and you get $250 worth of smart sensors that detect household accidents such as leaks and burglary.
A dependable all-rounder
Plan to take out more than one type of insurance (home, car, pet)? Well, we also had a customer satisfaction award for insurer of the year.
Youi was the winner. (Savings tip: you often get a discount for multiple policies with the same brand.)
What does home insurance cover?
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
Finder survey: How often do Australians compare or switch their home insurance?
| Response | Male | Female |
|---|---|---|
| Once a year | 21.05% | 16.72% |
| I never compare or switch | 14.1% | 18.1% |
| Once every 3+ yrs | 12.03% | 13.79% |
| Every 2 yrs | 11.09% | 9.48% |
| More than once a year | 0.94% | 1.03% |
Source: Finder survey by Pure Profile of 1113 Australians, December 2023
How can I save on my home insurance?
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.
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.
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.
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.
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
Latest home insurance articles
Home insurance deals
Remember the exclusive 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 |
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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 |
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16% off on your premium for the first year + $10 credit Sign up online and get 16% off your policy for the first year plus $10 ongoing monthly credit. T&Cs apply. Last verified |
Deal ends |
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Earn up to 20,000 Qantas Points with Qantas Home Insurance Earn up to 20,000 Qantas Points with every Qantas Home Insurance policy you take out by 22 April. T&Cs and exclusions apply. Last verified |
Deal ends |
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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 |
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Get 10% off when buying Home and Contents Insurance from Australia Post Save 10% when you buy a combined home and contents insurance policy online from Australia Post. 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
We're free
You pay the same as buying directly from the home insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
We've researched and rated dozens of policies as part of our Finder Awards. We provide unique insights and our in-house experts regularly appear on Sunrise, 7News and SBS News.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.Frequently asked questions
We updated this guide on 3 October 2023. We changed some headings in this guide to make it easier to read.
Read more on this topic
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Fixtures and fittings: Why they matter in home insurance
Knowing the difference between fixtures and fittings can help you decide which home insurance policy is right for you.
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Single item insurance
Want to protect important items like your phone and laptop but reluctant to fork out on contents insurance? Single item insurance might be for you.
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Wear and tear in a rental property
Want to know the difference between fair wear and tear and accidental damage? Find out here.
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Camera insurance
Camera insurance is a must-have if you carry a lot of expensive gear. Find out how to get cover through either contents insurance or speciality camera insurance.
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Foundation repair – how home insurance will help
Will home insurance cover foundation repair? Find out here.
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Does home insurance cover termite damage?
Termite damage is not typically covered by home insurance.
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Engagement ring insurance
From home and contents insurance to specialist jewellery insurance, find out how to cover your engagement ring against loss, theft and damage.
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How much does home insurance cost in Australia?
Discover what impacts the cost of home insurance and how to get the right protection with this handy guide.
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Home insurance WA
Learn about the unique risks that Western Australia faces and how to get home insurance that is right for your circumstances.
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Home insurance claims
Learn key steps to make a successful home insurance claim.
Ask a Question
We wish to insure our house-only for buildings insurance, but it is on 50 acres, with our vineyard / winery business conducted at the same address. The house has nothing to do with the business, but most insurers will not cover us at all because of the business being co-located on the site.
It takes about 15 minutes worth of questions with each insurer to get to the point where the “computer says no”, so it is a painful process to try to find an insurer.
Are there any insurers who will cover our house? Thanks.
Hi Rhonda, Given the complexity of your situation, it might be worthwhile consutling with an insurance broker.
You can learn more about how insurance brokers work and how to find one in this guide.
Best of luck!
Hi Team
I have just built a new 2 x unit duplex on the Sunshine Coast. It is under one title at this stage. I want to live in one unit and long term rent the other unit. What insurance companys will do this for me?
Hi Wil, Have you considered using an insurance broker? They can often assist with trickier risks like yours. The National Insurance Brokers Association has a search tool that might help you find someone in your area: https://www.needabroker.com.au/
Hope this helps!
Hi,
I have a 4-bedroom townhouse in Canberra. The house set up is a 3-bedroom main house, a courtyard and then a 1-bedroom studio on top of the garage (4bdr in total). We have 2 separate tenants, is it possible to get these insured separately? One tenant rents the main house, courtyard and garage and the other tenant rents the studio apartment on top of the garage.
Struggling to find someone who can help us, hoping you will be able to! :) The studio is not titled separately to the main house.
Hi Jared,
Have you considered using an insurance broker? They can often assist with trickier risks like yours. The National Insurance Brokers Association has a search tool that might help you find someone in your area.
Alternatively, one of the insurers on this panel of landlords insurers may be able to help.
Can you provide an insurer who covers house heritage overlay
Hi Christine, More information about insuring older homes is available here: https://www.finder.com.au/older-homes-insurance
Do you provide residential strata insurance?
You can review some options for residential strata insurance here: https://www.finder.com.au/home-insurance/strata-insurance