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Home fire insurance

All home insurance policies cover fire damage but some also include accidental fire and soot damage from a bushfire.

Top pick: Price
  • On average, the cheapest home and contents policy
  • Cover for natural disasters
  • Flood damage automatically included
How we chose this

Compare home insurance policies that cover fires

1 - 7 of 24
Name Product Finder Rating
Finder AwardBonus
  • 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 for new combined policies purchased online. This is a big reason it won this year’s Finder Award for value.
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.
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.
  • 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
2.5/5★★★★★
Our verdict: A good option if you want a well regarded brand. All come with automatic flood cover and let you pay monthly or fortnightly at no extra cost.
Honey Home & Contents Insurance
4.5/5★★★★★
Finder AwardBonus
  • 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.
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: Get up to 20% off when you buy a combined home and contents policy. Terms, conditions, underwriting criteria and minimum premiums apply, which may reduce discount. Make sure your rebuild costs are accurate though – Australian Seniors don’t do underinsurance cover.
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 22% off on your first year's premium when you purchase a new combined Home & Contents insurance policy online + $10 monthly credit. T&Cs apply.
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Finder's top home insurance pick for fires: Youi

What we like about Youi:

In addition to cover for fires and bushfires, Youi is the only policy we looked at that specifies it covers:

  • accidental fires within 100 metres of your home,
  • soot or smoke damage from a bushfire
  • temporary accommodation if you're told by the local authorities to evacuate.

All home insurance policies typically cover fires but Youi's product disclosure statement (PDS) is much more detailed. Unlike others, it clearly specifies you're covered for accidental fires, including fires caused directly by mechanical or electrical failures. Some other insurers don't cover this automatically.

What does a home insurance policy cover you for?

Fire insurance generally covers you for loss or damage caused by: fire, bushfires and grass fires and smoke.

Here's how different parts of a home insurance policy can help if your property is affected by fire.

Home

Home (building) insurance:

  • Repairing or rebuilding your home
  • Temporary accommodation. For example, if your house isn't safe to stay in after a fire.
  • Demolishing the destroyed house and/or removing debris
  • Regulatory fees related to building construction
  • Professional services like surveyors and architects

contents insurance

Contents insurance:

  • Repairing or replacing your damaged items
  • Storing your undamaged belongings if they can't stay at the property
  • Removing and disposing of undamaged contents

How to lodge a claim after a fire

When you are ready to claim after a fire, here's 4 things you need to do:

one

Contact your insurer.

Let them know ASAP so that they can assess the damage.

two

Gather evidence.

Take photos of the damage, get the police report and make a list of what you lost in the fire. Try to locate proof of ownership of the items you lost.

three

Lodge your claim.

Fill this out on the insurer's website and send it back to them along with the evidence you've gathered.

four

Wait for the results.

If your claim is accepted, your insurer will pay to repair or replace whatever is covered by your policy. If your claim is denied, you have the right to several rounds of appeals, first through the insurer's internal disputes department and then through the Australian Financial Complaints Authority (AFCA).

Washing machine on fire
How common are fire insurance claims?
According to an April 2022 Finder survey, the joint top 3 home insurance claims were for fire (4%), hail (4%) and mould (4%).

What fire insurance doesn't cover

Here are some reasons an insurer could deny your claim:

  • A bushfire occurs within 48–72 hours of you buying your policy (the argument is that you could have bought your insurance only after you found out your home was in the path of an existing fire).
  • Damage from ash, soot or smoke caused by a fire away from your home (you'll only be covered for ash, soot and smoke if the fire damaged your house).
  • Your house didn't comply with fire regulations (for example, you have a wood heater that was not installed according to regulations).
  • The fire was intentional.
  • It was caused by negligence.
  • There was no flame.

Why you can trust Finder's home insurance experts

free

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.
expert advice

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.
independent

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.
help

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.

FAQs about fire insurance

More guides on Finder

  • Bushfire Statistics Australia

    Stats and facts on bushfires in Australia.

  • Home insurance WA

    Learn about the unique risks that Western Australia faces and how to get home insurance that is right for your circumstances.

  • Flood insurance

    Most home insurers automatically cover floods but make sure you take out cover at least 72 hours before an event.

  • Honey home insurance review

    Honey home insurance is a startup that's doing things a little differently.

  • Laptop insurance

    Here are several contents insurance options that will protect your laptop anywhere you take it.

  • 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.

  • Home insurance WA

    Learn about the unique risks that Western Australia faces and how to get home insurance that is right for your circumstances.

  • Bushfire insurance

    Compare policies that cover bushfires, including smoke damage and accommodation due to evacuation.

  • Storm damage insurance

    Protect your home against storm, flood and rainwater damage with the help of this comprehensive guide.

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