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Home insurance, snooze.

That’s why we did over 400 hours of research to help you find the right home insurance policy.

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1 - 7 of 27
Name Product Finder score
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.
Budget Direct Home & 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: 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.
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.
Honey Home & Contents Insurance
4.5/5★★★★★
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
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.
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 30K Qantas Points for joining by 30 September. Plus save 30% on your 1st year’s premium for purchasing a combined home and contents policy online. T&Cs apply.
Australia Post Home & Contents Insurance
3.5/5★★★★★
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
3.5/5★★★★★
Our verdict: Covers common claims such as fire, storms, floods and rain. It’s also very helpful if you need to rebuild following a disaster. It offers a special safeguard of up to 30%.
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 16% 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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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.

Gary Ross Hunter and Jessica Prasida

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.

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Here's what some of our experts have to say...

Learn more about
home insurance

Our home insurance guides can help you compare and understand what cover option is right for you.

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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.

What does home insurance cover?

Fire
Fires
For example, a fire or bushfire destroys your home. Only some policies cover accidental fires.
storm
Storms
For example, if wind from a storm damages your roof.
theft
Theft
For example, replacing locks and stolen items after a break-in.
Impact damage
Impact
For example, if a tree falls and damages part of your home.
leak
Leaks
For example, if a pipe bursts and ruins your floors.

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

How we got this price

How can I save on my home insurance?

Number 1

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.

Number 2

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.

Number 3

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.

Number 4

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.

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Donna

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

Home insurance deals

Remember the 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

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

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

Earn up to 30,000 Qantas Points with Qantas Home

Earn up to 30K Qantas Points for joining by 30 September. Plus save 30% on your 1st year’s premium for purchasing a combined home and contents policy online. T&Cs apply.

Last verified

Deal ends

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

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

freeYou pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
expert adviceYou save time. We spend 100s of hours researching home insurance so you can sort the gold from the junk faster.
independentYou can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
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Frequently asked questions

Angus Kidman's headshot
To make sure you get accurate and helpful information, this guide has been edited by Angus Kidman as part of our fact-checking process.
Gary Ross Hunter's headshot
Editor, Insurance & Innovations

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 730 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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  • Home insurance and tree damage

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  • Unoccupied home insurance

    Leaving your home unoccupied for an extended period could void your home insurance. Here’s how to make sure you’re always covered.

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    Discover what impacts the cost of home insurance and how to get the right protection with this handy guide.

  • Motor burnout insurance

    Motor burnout covers those big appliances in your home in the event that they let you down. This article will show you what it is, why it's important and how much it can cost you.

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  • Storm damage insurance

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

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64 Responses

    Default Gravatar
    PennyJuly 11, 2024

    We are attempting to get our holiday house insured as we are about to holiday let it via airbnb, stayz etc. Our house is made out of shipping containers and we have been told that they can’t insure us. Do you know which insurance company would insure us?

      AvatarFinder
      SarahJuly 12, 2024Finder

      Hi Penny, With an unusual property like this, you might be best off working with an insurance broker to find the right policy. You may find mainstream insurers are reluctant to offer a policy on a property that falls outside the norm like this, but there will be a specialised insurer that can help you.

      Best of luck!

    Default Gravatar
    RhondaFebruary 13, 2024

    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.

      AvatarFinder
      SarahFebruary 15, 2024Finder

      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!

    Default Gravatar
    WilFebruary 12, 2024

    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?

      AvatarFinder
      SarahMarch 25, 2024Finder

      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!

    Default Gravatar
    JaredJanuary 25, 2024

    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.

    Default Gravatar
    ChristineJanuary 3, 2024

    Can you provide an insurer who covers house heritage overlay

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