The Finder Home Insurance Awards showcase the best home insurance products across two categories: value and comprehensive. Our methodology is designed to help homeowners find the best fit for their needs.
AAMI received the Finder Home Insurance Award for Best Value for 2026. The insurer offered a wide range of cover across important policy features at a low price, making it a budget-friendly option for many households.
AAMI received the Finder Home Insurance Award for Best Value for 2026. The insurer offered a wide range of cover across important policy features at a low price, making it a budget-friendly option for many households.
Budget Direct was a highly commended insurer for value home insurance, as its policies were cheaper than the national average, according to Finder research.
Budget Direct was a highly commended insurer for value home insurance, as its policies were cheaper than the national average, according to Finder research.
Allianz Home and Contents Insurance won the 2026 Finder Award for Comprehensive Home Insurance. Featuring higher than average benefit limits, flexible excess options and a high satisfaction rating from its customer, Allianz was the clear winner.
Allianz Home and Contents Insurance won the 2026 Finder Award for Comprehensive Home Insurance. Featuring higher than average benefit limits, flexible excess options and a high satisfaction rating from its customer, Allianz was the clear winner.
ALDI earned a Highly Commended spot in this year's awards for its policy's ample coverage across a range of events, automatically included in its policy at no extra cost.
ALDI earned a Highly Commended spot in this year's awards for its policy's ample coverage across a range of events, automatically included in its policy at no extra cost.
QBE Home & Contents Insurance was a highly commended insurer for its fairly priced cover and generously high benefit limits, including legal liability, lock replacements and temporary accommodation.
QBE Home & Contents Insurance was a highly commended insurer for its fairly priced cover and generously high benefit limits, including legal liability, lock replacements and temporary accommodation.
Finder's Product Awards methodology for home insurance
Finder's Home Insurance Awards recognises market-leading home insurance products, using our proprietary Finder Score ratings methodology, that compares data points for each product, across price and features, for 41 brands in Australia.
Selection criteria
The products were included in the categories if they were available across all personas quotes were collected for across NSW, Victoria, Queensland, Western Australia and South Australia. We collected prices for 2 suburbs in each state. For value insurance, price accounted for 70% of the total. For comprehensive insurance, it accounted for 30%.
Feature Score - Building Protection
Full Building Replacement Cover
15.00%
Solar Panels Cover
1.00%
Shed Cover
1.00%
Pool Cover
1.00%
Building Modification Cover
1.00%
Feature Score - Contents Protection
Laptop Cover
2.00%
Phone Cover
2.00%
Watch Cover
1.00%
Portable Contents Cover
3.00%
Furniture Cover
3.00%
Handbag Cover
1.00%
TV Cover
2.00%
Hearing Aids Cover
1.00%
Pet Injury Cover
1.00%
Guests Contents Cover
1.00%
Tools of Trade Cover
1.00%
Jewellery Cover
1.00%
Artwork Cover
1.00%
Contents in Storage Cover
1.00%
Unattached Equipment Cover
1.00%
Home Office Cover
1.00%
Feature Score - Additional and Optional Benefits
Choice of Excess
2.00%
Online Discounts
1.00%
Cooling Off Period
1.00%
Under Protection Cover
1.00%
Loss or Theft of Credit Card Cover
1.00%
Funeral Expenses Cover
1.00%
Food Spoilage Cover
1.00%
Temporary Accommodation Cover
3.00%
Temporary Contents Removal Cover
1.00%
Mortgage Discharge Cover
1.00%
Legal Liability Cover
5.00%
Feature Score - Natural Disaster and Fire Protection
Fire Cover
5.00%
Explosion Cover
1.00%
Flood Cover
5.00%
Storm Cover
5.00%
Earthquake Cover
2.00%
Lightning Cover
1.00%
Storm Surge Cover
2.00%
Tree Damage Cover
1.00%
Fallen Tree Cover
1.00%
Feature Score - Accidental and Malicious Damage
Malicious Damage Cover
3.00%
Theft Cover
5.00%
Accidental Glass Breakage Cover
2.00%
Electrical Motor Burnout Cover
1.00%
Accidental Damage Cover
3.00%
Water Damage Cover
3.00%
Why you can trust our awards
Expert analysis
Our home insurance awards winners are based on 100+ hours of data analysis by our insights team and expert authors.
Comprehensive
We compared available products from 41 of Australia's home insurance providers including AAMI and Budget Direct.
Independent
Some winners may be partners but this never influences our decisions. All policies are based on a clear methodology and meet our editorial standards.
Piyush is an insights analyst at Finder and is responsible for developing the methodology for Finder's Product Awards. He holds an MBA from Macquarie University and a MSc in Banking and Finance from the University of London.
Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University.
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Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
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Highly commended 
Highly commended 
Need insurance for 3631 area Victoria
Hi Julie,
You can review a range of options and compare home insurance options here. Good luck!