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How we picked theseWe crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.
Your home is likely to be the most expensive thing you own, so it's worth protecting. If it gets damaged by fire, flood, burst pipes or a storm, you'll be patting yourself on the back for organising home insurance. Here's a little bit about what it can cover:
If any of these events occur (plus some others), then you can be compensated for both the expense to repair your home and the expenses you incur while having to live outside of your home.
There are four main types of home insurance:
Building insurance
This is straight up home insurance. It includes cover for the home, so the actual building, only.
Contents insurance
This insures the belongings inside your home. So if you've got an expensive TV, oven etc — these can be covered by contents insurance.
Home and contents insurance
As the name implies, this is a combination of the two. This means your home building and your contents are insured.
Landlord insurance
This can include building insurance and/or contents insurance, based on what you need as a landlord. It's designed to protect your investment home while others are renting it.
"The best way to save money on your home insurance bill is to compare policies every time you go to renew. Sometimes, this doesn't even mean switching! It can be as simple as being informed about other prices so you can negotiate with your current insurer. I did this with my most recent home insurance bill and saved $200."
"Every insurer prices its risk in really different ways, which means you could get two very different quotes on the exact same house and same policy holder. That's why you're almost always going to pay over the offs if you don't shop around regularly. Call your insurer and ask for a better deal and if they can't do anything, do a quick comparison – for 60 minutes of your time, you could save hundreds or even thousands of dollars."
Home insurance premiums are getting more and more expensive so it's critical to ensure you're not paying more than you need to. Here's a few tips to get your home insurance bill down a bit lower:
"When my husband and I turned 60 and became semi-retired, we wanted to put a stop to unnecessary bills so we could spend time enjoying our retirement. When we received our home insurance renewal bill (from a company we'd been with for 5 years), I was blown away to learn that they were increasing my premium by a whopping 60%. I compared my options and ended up going with another provider. Even with added benefits, we still saved over $700 a year by switching!"
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Hi just need an insurance for house and content can’t find a company that will because I work from home do you know any company that are more flexible on that subject
Regards Tarcy
Hi Tracy, if you work from home under an employer and have a home office, you should be able to find a standard home and contents insurance. However, if you carry out more complicated business operations or have an ABN listed under your home address, you may need a different kind of policy – one that includes add-ons for equipment, stock or liability. Depending on your line of work, you may need a business policy. Hope this helps and good luck!
Ceyda
Hi,
I’m renting on a house and want to start a home baking business and register the kitchen on Council.
And landlord wants to find a landlord insurance that cover this.
Please help me to find a insurance company that fulfilling my incident.
Thank you
Hi Ish, the responsibility for comparing and purchasing landlord insurance should fall on your landlord, as they will be responsible for paying the premium. Our landlord insurance page has a list of policies available to compare and purchase. As for registering the kitchen to the Council, if your landlord approves of the kitchen being used as a food business, they may also need to seek approval as they own the property. Hope this helps.
Ceyda
My house is relocated home approved by the council but have not certified by the certifier yet ( house certificate after removing). Can I buy home insurance and get compensation if it burnt down by accident?
Hi Don,
Most mainstream home insurers will not provide full coverage for a house that has been relocated, has not yet been certified, and is not fully signed off as a completed dwelling, as it is considered igh risk, since it’s not legally certified for occupancy yet. Some insurers or brokers may offer cover known as owner-builder insurance, relocated home insurance or construction/renovation insurance, so that might be worth exploring. Hope this helps!
I am looking for an insurance company which has landlord building and content insurance for a residential property with business Tennant (NDIS provider)
Hi Andy, given it’s a residential property but has a business tenant, it’s hard to say if you’ll need residential landlord insurance or commercial landlord insurance. I’d suggest calling a residential landlord insurer first and asking them about how they insure residential properties with business tenants. If you’re told that you can’t get insurance from them, I’d suggest looking into a commercial landlord policy instead. You might also find it easier to go through a broker.
I’ve purchased and moved into an apartment in the city. There are three residential apartments and three businesses in the building, and we are part of a Strata title.
Strata covers the building insurance, and I have separate contents insurance (including legal liability).
The strata deed states that all units are to have a minimum of $10,000,000 of public liability cover. I understand PL for the businesses, however, can it be purchased to cover residential?
Hi Brenton, Most comprehensive home and contents insurance policies will also include a public liability component – but you’ll need to check the product disclosure statement (PDS) to see what the level of cover is.