Finder makes money from featured partners, but editorial opinions are our own.

Home and kitchen appliance insurance

Don't wait until something goes wrong. Get appliance insurance through these home and contents policies.

1 - 7 of 16
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.
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 50,000 Qantas Points with every Qantas Home Insurance policy you take out by 5 December. T&Cs and exclusions apply.
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.
loading

What does home and kitchen appliance insurance cover?

Home insurance will give you broader protection than warranties, generally including cover for the following (among other things):

When you're researching policies, check out the upper limits the insurer pays out for appliances, individually and in total, and what the appliances will and won't be covered against.

Some general exclusions to home and kitchen appliance insurance

There can be exclusions to home and kitchen appliance insurance in the following circumstances:

  • An appliance is over a certain age (e.g. 10 years)
  • You use the appliance for business
  • The appliance isn't at the insured address. (If you want to insure a device you take out of the house a lot (e.g. a Nintendo Switch), think about portable contents insurance)

If you only want to insure a few high-value appliances (e.g. if you're renting), you could consider single item insurance.

Optional extras you can add-on to your home and kitchen appliance insurance

Based on what you find – and what you want to insure – you may want to add the following optional extras to your standard policy:

  • Accidental damage cover (e.g. for a cracked TV screen) – this will be included in some standard home and contents policies but not others
  • Motor burnout cover (e.g. for your fridge, TV, dishwasher and clothes washer and dryer)
  • Specified contents insurance (for appliances with values higher than the upper limits the standard policy pays out for them)
To help you calculate the value of your home and kitchen appliances, we'll walk you through an average home so you can see just how much money can actually surround you. It could be worth protecting.

The living room

To get an idea of the value of the appliances people use at home, let's take a room-by-room tour through a family's house (and assume they buy mid-range appliances).

The living room, where some of the highest-value gear is likely to be, is a good place to start. In the living room, you could find the following:

  • TV – $1,500
  • PlayStation or Xbox – $400
  • Sound system/speakers – $1,000
  • Google Nest – $150
  • Streaming media players/services (e.g. Google Chromecast or Apple TV) – $250
  • Smart lights – $300
  • Total – $3,600
living room

When you're insuring your living room appliances, think about whether you need the following extra cover:

  • Accidental damage insurance (because those brand-new Sonos speakers aren't immune to falls)
  • Motor burnout insurance, which can cover motors in various appliances that burn out because of a power surge, lightning or something else.
  • The kitchen

    Let's move into the kitchen, home of high-value whitegoods and cooking helpers:

    • Dishwasher – $1,200
    • Microwave – $350
    • Fridge – $2,000
    • Miscellaneous kitchen appliances (e.g. coffee machine, toaster, blender, juicer, slow cooker, food processor, rice cooker and pasta maker) – $1,500
    • Total – $5,050

    kitchen

    Given the expense of repairing kitchen appliances and the value of what's in their kitchen, this family would be relieved they'd insured it if anything went wrong. If it did, they could even be covered for any food that spoiled in a damaged fridge or freezer.

    Again, motor burnout coverage can give you extra protection in the kitchen in case of motor issues with your dishwasher, fridge or microwave.

    The bedrooms

    In the bedrooms, we could find the following:

    • Air conditioner – $700
    • Laptop – $2,000
    • Smart speakers – $150
    • Kindle – $350
    • Second TV – $850
    • Nintendo Switch × 2 (assuming both kids badgered the parents until they got one) – $900
    • Total – $4,950
    bedroom

    The home office

    We'll assume this office is only used for work, and it's only appliance is a $2,500 desktop computer.

    • Desktop computer - $2,500
    • Total – $2,500

    home office

    The bathroom

    Even the bathroom has its fair share of appliances:

    • Hair straightener – $250
    • Hair dryer – $80
    • Electric shaver – $150
    • Electric toothbrushes × 2 – $350
    • Bathroom heater – $300
    • Heated towel rail – $450
    • Total – $1,580
    bathroom

    The laundry

    In the laundry, you'll find a few high-value appliances:

    • Vacuum cleaner – $650
    • Washing machine (9 kg) – $1,500
    • Dryer – $1,800
    • Total – $3,950
    laundry

    For this family, the total value of their home and kitchen appliances comes to over $20,000 (!).

    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.
  1. Picture: GettyImages

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.

  • Home fire insurance

    Fire insurance will help you replace your home and everything in it if you lose it all to fire.

  • 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.

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site