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Home insurance: Compare & save

Our home insurance comparison can help you save time and money on one of your biggest household bills.

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1 - 7 of 21
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.
  • 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.
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★★★★★
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
3.5/5★★★★★
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 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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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...

Finder survey: How often do Australians compare or switch their home insurance?

ResponseMaleFemale
Once a year21.05%16.72%
I never compare or switch14.1%18.1%
Once every 3+ yrs12.03%13.79%
Every 2 yrs11.09%9.48%
More than once a year0.94%1.03%
Source: Finder survey by Pure Profile of 1113 Australians, December 2023

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 exclusive 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

22% off on your premium for the first year + $10 credit

Sign up online and get 22% off your policy for the first year plus $10 ongoing monthly credit. T&Cs apply.

Last verified

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

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.
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Frequently asked questions

We changed some headings in this guide to make it easier to read
We updated this guide on 3 October 2023. We changed some headings in this guide to make it easier to read.

Read more on this topic

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58 Responses

    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
    ChristineJanuary 3, 2024

    Can you provide an insurer who covers house heritage overlay

    Default Gravatar
    JulieDecember 18, 2023

    Do you provide residential strata insurance?

    Default Gravatar
    HelenNovember 6, 2023

    I own a duplex in Qld and how do I insure it – I dont think it is strata titled and both of the properties are rented

    Default Gravatar
    RobOctober 24, 2023

    I have been insured for over 40 years by QBE I now notice they don’t cover properties over 2ha. My property is 2.2ha, do you have a provider who does?

      AvatarFinder
      JasonDecember 15, 2023Finder

      Hi Rob,

      Our page about farm insurance might be useful for your situation.

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