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Featuring Budget Direct Home Insurance

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Featuring Budget Direct Home Insurance

Award-winning insurance for your most prized possessions.

  • Customers said they saved $330* on average when they switched policies *
  • Save 30% when you buy online
  • Money Magazine's Insurer of the Year in 2017 & 2018
  • Up to 1 year of temporary accommodation if your home is unliveable due to an insured event

Details Features
Home & Contents Insurance
Home & Contents Insurance
Save 30% when you purchase cover online
  • Underinsurance protection: Yes
  • Pay monthly at no extra cost: No
  • Full building replacement: No
  • Flood: Optional
  • Accidental damage: Optional
  • Emergency accommodation: 10% of sum insured
Go to site More info
Home and Contents Insurance
Home and Contents Insurance
Buy online and save up to 10% on your policy.
  • Underinsurance protection: No
  • Pay monthly at no extra cost: Yes
  • Full building replacement: No
  • Flood: Optional
  • Accidental damage: Yes
  • Emergency accommodation: No
Go to site More info
Home and Contents Insurance
Home and Contents Insurance
Save up to 25% when you purchase cover online.
  • Underinsurance protection: Yes
  • Pay monthly at no extra cost: Yes
  • Full building replacement: No
  • Flood: Yes
  • Accidental damage: Yes
  • Emergency accommodation: 10% of sum insured
Go to site More info
Home and Contents
Home and Contents
New eligible customers can earn 5,000 Velocity Frequent Flyer Points. Ends 31 Dec 2018. T&Cs apply.
  • Underinsurance protection: Optional
  • Pay monthly at no extra cost: No
  • Full building replacement: No
  • Flood: Optional
  • Accidental damage: Yes
  • Emergency accommodation: 10% of sum insured
Go to site More info
Home and Contents Insurance
Home and Contents Insurance
Save up to 20% when you purchase combined Home and Contents online.
  • Underinsurance protection: No
  • Pay monthly at no extra cost: No
  • Full building replacement: No
  • Flood: Yes
  • Accidental damage: Yes
  • Emergency accommodation: 10% of sum insured
Go to site More info
Building and Contents Insurance
Building and Contents Insurance
24/7 emergency claims assistance so you’re never left in the dark.
  • Underinsurance protection: No
  • Pay monthly at no extra cost: No
  • Full building replacement: No
  • Flood: Yes
  • Accidental damage: Optional
  • Emergency accommodation: 30 days
Go to site More info

Why do I need home insurance?

Do you rent or own a property?
Do you keep valuable belongings at home?
If you answered yes to either of these questions, home and contents insurance should definitely be on your radar.

So, why do I need it?

Not getting insurance for your home is like riding a motorbike without a helmet - it's just not a good idea. You've been slaving away for years, putting away every penny toward your home, so why wouldn't you take the extra step and make sure it's covered against the worst?

If your home was to catch fire, how much trouble would you be in? If a thief stole your expensive jewellery, how angry would you be? If disaster struck, would you actually be able to afford the expenses that come with it?

No? We couldn't either.

That's why home insurance is such an important thing to have. It protects you against everything from fire and storm damage to burst pipes, falling trees, theft and vandalism. Here's a quick breakdown of why you need it:

It protects your house. Your home is usually the most expensive thing you’ll ever buy and the most valuable asset you’ll ever own. Home building insurance provides protection against an extensive range of risks, guaranteeing that you will be able to repair or rebuild from scratch if an unexpected disaster strikes.

It protects your possessions. Whether it's family heirlooms, your expensive dining room set, or even your Xbox, many of us couldn't live without our possessions. The contents of your home aren't just stuff; they’re often your most important and treasured possessions and can hold just as much sentimental value as they do financial worth. Contents insurance ensures that you will be able to repair or replace your possessions if they’re damaged by fire, storm, theft or a range of other insured events.

It's a home loan requirement. If you take out a mortgage to buy a home, most home loan lenders require you to purchase home insurance before they will approve your application.

Quite simply, it gives you the ultimate peace of mind. The biggest benefit of getting cover is the peace of mind and confidence it provides. With the right policy in place, you can rest assured that you will have the financial support you need should loss, damage or some other unexpected misfortune affect your home or contents.

New to home insurance? Here's what you need to know.

Not sure what you're getting yourself into? That's totally fine! Sometimes it seems that insurance companies try to overcomplicate and confuse their users on purpose. But it's okay. Our guides can help you actually understand home and contents insurance, how it works, and why you shouldn't go without it.

If you want to cover your house and your possessions in it, you're looking at a combined home and contents insurance policy. It covers the cost of repairing your home if it's damaged from natural events. It also covers your possessions - such as furniture, electronics, carpets, curtains, and clothing - from loss, damage, and theft. You can also take out over for items that you take outside of the house (like electronics or jewellery) at an extra cost.

Contents insurance is stand-alone cover for your possessions in the home. This includes jewellery, electronics, carpets, curtains, furniture, appliances, and furnishings. This is a great option for renters or those homeowners who live in an apartment.

This is stand-alone cover for only your home. It also covers other fixtures on your property, such as garages, fences, and sheds. It protects you against a bunch of natural events, such as fire, storm damage, and floods.

Landlord insurance protects your home against theft, malicious damage, loss of rent, as well as natural events like storms, flood, and fire. It's a smart idea if you're renting your home out to strangers.

What does it cover?

The situations covered by your insurance will vary depending on the insurer you choose and the level of cover you select. However, the best policies generally provide cover against the following:

FireFire. If your home and possessions are lost or damaged due to fire, home insurance can provide financial protection.

Storm. You're covered for loss or damage caused by a storm, including violent winds, hail, snow, rain, thunderstorms, cyclones and tornadoes.

LightningLightning. Loss or damage caused by lightning, or by a power surge caused by lightning.

Flood. Protects you against loss or damage caused by water that has escaped the normal confines of a lake, river, creek or dam, or a number of other bodies of water. Many policies only offer flood cover as an option, not as an automatic inclusion.

EarthquakeEarthquake and tsunami. This benefit ensures that you are covered against loss or damage caused by an earthquake or tsunami.

Water and oil leaks. When water or oil escapes from gutters, pipes, baths, toilets, appliances or a range of other household items, you're covered for the resulting loss or damage.

Theft or burglary. Covers you against loss or damage caused by theft, attempted theft or burglary.

VandalismMalicious acts and vandalism. If your home or contents are damaged due to vandalism or a malicious act, your policy can offer financial protection.

Riots or civil commotion. Financial protection in the event that a riot, civil commotion, or industrial or political disturbance results in loss or damage to your home.

Window-balconyAccidental glass breakage. This covers accidental breakage of items such as window glass, skylights, fixed mirrors and light fittings, sinks, basins, baths, toilets and glass cooktops.

Explosion. Loss or damage caused by an explosion, as well as a landslide or subsidence that occurs as an immediate result of an explosion.

MeteoriteImpact damage. This benefit covers you against impact from objects such as falling trees, power poles, TV antennas, motor vehicles and meteorites.

How to make sure your policy fits you like a glove

What should I look for in a policy?

Comparing home insurance policies can be confusing and overwhelming. A product disclosure statement (PDS) is a complicated document full of technical jargon and terms and conditions. Making sense of the information it contains can be a difficult task.

To make things a little easier, following are some key features to look for when researching the pros and cons of a home insurance policy:

  • Cover that meets your needs. This is an obvious place to start, but does the policy include cover for all the common risks you face? For example, if flooding is a risk where you live, does the policy provide adequate flood cover?
  • The ability to tailor cover. How flexible is the insurer if you want to create a policy to suit your needs? Are there optional extras available so you can tailor cover for your home?
  • Total replacement cover. There are two main types of protection: total replacement cover and sum insured cover. Sum insured policies are more common and allow you to select the level of cover you need to repair or rebuild your home. However, total replacement policies provide the necessary cover to rebuild your home to the same condition it was in prior to an insured event. While much rarer than sum insured policies, total replacement policies greatly reduce the risk of underinsurance.
  • New-for-old contents replacement cover. If you add contents insurance to your policy, it’s worth looking for a policy that provides new-for-old replacement. This means that if any of your personal belongings are stolen, or damaged beyond repair, the policy will cover the cost of replacing them with new equivalent items. Policies that don’t offer this feature only provide cover for the replacement value of the stolen or damaged items.
  • Accidental loss or damage cover. Spilt some red wine on your white carpet? Kids got a little creative with permanent markers on the wall? Accidental damage cover can help cover these mishaps. It’s included as standard with some high-level policies, and is available as an extra-cost option on others. It is well worth considering if you want comprehensive protection.
  • Fast and easy claims service. Check whether there is an easy 24/7 claims service if you ever need to make a claim on your policy. Also check how long the insurer takes to process and pay successful claims. The best home insurance policies are backed by a simple and efficient claims process.

How to find the best policy

How do you go about finding the best home insurance policy? Keep four simple tips in mind:

  • Know your cover needs. Before you start shopping for a policy, think about the risks you want to cover and the level of protection you need. Once you're clear on the type of cover you're after, you can start looking for the right policy.
  • Read the PDS. Don’t wait until it’s time to make a claim to peruse your policy's PDS; take the time to read it closely before making a purchase. This will allow you to determine exactly what the policy includes, how much protection it offers, and under what circumstances cover would not be provided.
  • Ask for recommendations. Check out online reviews and ask friends and family for their recommendations. Hearing from people who have actually had to make a claim on their policy is a great way to sort the strong policies and insurers from the weaker ones.
  • Compare your options. Last but definitely not least, don’t settle for the first policy you find. Instead you should compare the benefits, features and exclusions of a wide range of policies. Consider the following factors, alongside the cost of cover, to work out which option provides the best value for money.

How much cover do I need?

Unfortunately, there’s no "one size fits all" answer that explains exactly how much cover is enough for your home and contents. You need to carefully consider your insurance needs to work out what will be adequate protection. According to research from the Insurance Council of Australia, 83% of Australian homeowners and renters don’t have enough insurance to cover their home and contents. That’s an alarmingly high figure, so it’s essential that you take the time to think about your requirements before choosing a policy. Ask yourself:

  • How much would it cost to completely rebuild my home?
  • What about replacing my contents and all of my worldly possessions?

Unless you have sufficient protection to cover the cost of replacing everything following an unexpected disaster, you will be under-insured, and the financial consequences can be disastrous. Many insurers offer handy online calculators to help you work out how much home and contents insurance cover you need. These useful tools are a great place to start, but an independent valuation will be much more accurate.

You should also remember to consider the benefits of a particular policy: does it provide cover for all the risks you need protection against? Do you need to add extra-cost options so you have a suitable level of cover? If you take time to crunch the numbers and carefully examine your needs, you’ll be able to select the right amount of cover for your home and possessions.

What isn't covered?

As well as checking what a policy covers, it’s also essential to check the PDS for a list of general exclusions. These are situations in which an insurer will refuse to pay your claim. Common circumstances under which you will not be covered include the following:

Our guide to common home insurance exclusions also outlines a range of situations when your insurer will not offer any cover. You should also read the PDS closely as well to ensure you don’t get any nasty surprises.

Search for home insurance by state

How much does home insurance cost?

How much does home insurance cost?

Price is obviously a crucial factor when comparing and choosing policies. However, the cost of home insurance depends on a wide range of factors. When calculating your premiums, the insurer will take the following factors into account:

  • The sum insured. It doesn’t take a genius to work out that the higher the level of cover you select, the more your premium will be. For example, if you want to cover your home to the tune of $1 million, don’t be surprised if your premiums are much higher than they are for someone who selects a sum insured of $400,000.
  • The options you select. If you choose to tailor your policy to suit your needs by adding extra-cost options, your premiums will increase. For example, you may wish add optional flood cover, or cover for electric motor burnout. While these do offer essential protection for your home, they also drive up premiums.
  • The excess you choose. Many insurers offer a flexible excess on their policies, allowing you to choose a higher excess in return for lower premiums.
  • Your home. Insurers will consider the age and construction of your home when calculating your premiums. This will help them determine how likely it is to withstand damage and how much it will cost to repair or rebuild.
  • Where your home is located. If you live in an area prone to bushfires or severe storms, the increased risk of damage will push up your premiums. Insurers will also assess the crime rate in your area; if you live somewhere with a high rate of theft and break-ins, expect this to be reflected in higher premiums.
  • Security features. Insurance underwriters also consider how well your home is protected against theft and burglary. Installing a back-to-base security alarm is one way to reduce the cost of your premiums.
  • Your claims history. If you’ve previously made multiple claims on a policy, you can expect higher premiums when you take out a new policy.
  • When you pay your premiums. Paying your premium as an annual lump sum is typically cheaper than if you pay in monthly instalments.
  • Any discounts that apply. You may be able to lower your premium by taking advantage of a discount offered by your insurer. For example, you may be able to save money if you buy online, combine home and contents cover into one policy, or if you hold another type of cover, such as car insurance, with the same insurer.

How to reduce your insurance premiums

If you’re looking for the cheapest insurance cover for your home, the single most important thing you can do is compare a wide range of policies and shop around for the best deal. This will help you find the most affordable cover for your needs and choose a policy that matches your budget. However, remember that the cheapest home insurance isn’t necessarily the best policy.

Like so many other things in life, when buying home insurance you really do get what you pay for; if you choose a cheap policy with an insufficient level of cover, the results could be disastrous. Remember to look past the price of a policy to the features and benefits it offers to determine whether you are getting true value for money. There are also several other things you can do to lower the cost of your policy, such as the following:

  • Choose a higher excess. Most insurers allow you to vary the excess payable when you make a claim; if you choose a higher excess, you’ll be rewarded with lower premiums.
  • Choose a lower level of cover. Carefully calculate the sum you need to insure your home and contents for. Are you paying extra for a high level of cover that you don’t actually need? You may decide that it’s in your best interests to downgrade from a "platinum" policy to basic protection.
  • Don’t add options you don’t need. Adding optional extras to your policy allows you to tailor home insurance protection to your requirements. Unfortunately, it also increases the premium, so make sure anything you add is absolutely essential.
  • Don’t make any claims. Sometimes making a claim is unavoidable, but if your insurer offers a no-claim bonus, the cost of cover will be greatly reduced if you don’t submit any claims.
  • Take advantage of discounts. Home insurers offer a variety of discounts to customers. These include discounts for loyalty, for seniors, for having multiple policies with the insurer, and for purchasing online.
  • Review cover regularly. Just because a particular insurance policy was right for you a few years ago doesn’t necessarily mean it’s the best fit now. Cover needs change all the time; maybe you’ve just invested in a top-of-the-line home entertainment system and want to upgrade your contents cover. In addition, insurers are constantly updating their policies and premiums. Don’t be afraid to compare your options and see if you can find a better deal.

What else do I need to know?

When should I get home insurance?

So you've just bought your new home. Before you pop the champagne, make sure you're insured in case that cork decides to go straight through your wall.

It's a good idea to have building insurance in place when you exchange contracts. People used to get cover notes for the period between exchange and settlement, however, these are no longer offered. What you can do, however, is take out insurance and request a start date up to 40 days in the future.

If you require insurance in place in order to get a home loan, all you need to do is send a copy of your insurance contract to your lender in order for them to release the funds.

It's also a good idea to get your contents insurance organised before you move, as this will include damage or loss of your possessions while in transit.

Is home insurance worth it?

For most people, the answer to this question is a resounding "yes". Take a moment to think about how you would cope financially if your home and everything you own was completely destroyed. Sure, it’s a worst-case scenario and one that you’ll hopefully never have to deal with, but would you have the financial means to start again from scratch following an unexpected disaster? If you answered "no", then home insurance is something you must consider.

With the right level of protection in place, you can be sure that you won’t end up out of pocket if your home or contents are damaged or totally lost. Home insurance gives you peace of mind. There’s always a chance you will spend years paying premiums for a policy on which you never have to make a claim. However, knowing that it will offer crucial financial protection when you need it most, makes home insurance worth every cent.

4 common traps to avoid

Keep an eye out for these common traps when choosing cover:

What cover do I need if I'm a renter?

If you’re renting, you won’t need any of the protection offered by home insurance; you don’t own the home, so insuring it is something for your landlord to worry about. However, you should consider taking out a contents-only insurance policy. This type of cover can protect the possessions and personal items within your home against loss or damage due to fire, storm, theft vandalism and a huge range of other risks. Just make sure you compare a range of policies to find one that best suits your needs.

How do I make a claim?

You can find information on how to make a home insurance claim in the PDS and policy documents. Most insurers allow you to lodge a claim in three ways:

  • Over the phone
  • Online
  • Via a mobile claims app

Once you’ve contacted an insurer to provide notification of an insured event, you may be required to fill out a claim form, either online or in hard copy. Alternatively, your insurer may only have to ask you questions over the phone in order to complete the necessary paperwork. The insurer will also advise you of any information or documentation you need to submit in support of your claim, such as the following:

  • A copy of the police report following theft, attempted theft or burglary
  • Proof of ownership of stolen or damaged items, such as receipts
  • Evidence of any damage, such as photos

Co-operating with all requests from the insurer throughout the claims process is the best way to ensure that your claim is paid as quickly as possible.

4 claims slip-ups to watch out for

Water damage, fire damage, storm damage and household accidents are four of the biggest and most costly hazards you might face. Depending on how they occurred, you might not be protected even if you have comprehensive cover. Fortunately, there are a lot of ways to minimise these risks.

Water damage

A lot of things around the house can cause water damage, from plumbing to humidity to blocked gutters. Make sure you take the following steps:

  • Regularly check under sinks, washing machine connections and anywhere else you have pipes. Avoid flushing foreign objects down the toilet, and address any signs of a leak as soon as possible; even a small leak can cause an increasing amount of damage over time.
  • Keep an eye out for mildew and mould and try to scrub it away as soon as you can. It’s a common effect of Australia’s warm climate, but can also be a sign of internal water damage as in the case of rising damp. If mould keeps appearing in a well-ventilated room, it could be a leak that you're unaware of. Ignoring such issues can count as a failure to adequately maintain the home, and can be used to reject an insurance claim.
  • When handling mould and water damage, go all out. Sponge or mop away as much as possible and open windows to speed drying. Remove rugs and let them dry. Doing everything you can to handle these issues reduces claims and keeps down insurance costs.

Water damage is not the same as flooding, and policies will often cover flooding differently.

Fire damage

When you take into account bushfires, gas, electricity, smoking, and flammable materials around the home, it’s worth being prepared for fire damage. Fire causes relatively few injuries and deaths, but it does result in a lot of property damage. Keep the following points in mind:

  • Don’t overload power points, and switch off appliances when not in use.
  • Have at least one fire extinguisher in the home and learn how to use it.
  • Install the required amount of smoke alarms in your home and test them regularly. Some insurance companies offer reduced premiums if you maintain functional smoke alarms. However, if there is a fire and the alarms are not functioning, it's unlikely you'd be able to claim on insurance.
  • If you have an old gas or oil heater, consider upgrading. The safety benefits are typically recognised by home insurance providers in the form of reduced costs.
  • Do not cover heaters. Neglecting the warning signs on appliances can leave you unable to claim insurance, or only able to claim greatly reduced amounts if you are found to be at fault.

Storm damage

This is an increasingly common cause of damage and source of insurance claims, so it makes sense to ensure your home is protected from storm damage.

  • Protect your windows. Broken windows as the result of a storm is an extremely common occurrence, and shards of glass in a carpet can cause serious injuries. If you live in an area that’s prone to storms it can be worth investing in shutters to protect the windows.
  • Australia has experienced a lot of hailstorms in recent years. They can cover an enormous area and do staggering amounts of property damage. Most homes easily cope with milder hailstorms, but those that are particularly severe can shatter roof tiles, break windows and cause other types of serious damage. If you have reinforced roofing or storm shutters, you may be able to get some insurance discount.

Household accidents

An important part of protecting yourself from personal injury claims is demonstrating that you’ve taken all the right precautions.

  • Make sure outdoor stairs are well lit. You may be held responsible if visitors injure themselves where there’s no lighting available.
  • Do you have a dog? Having your dog complete a certified behaviour training course can reduce your liability in the event that it bites someone. If it injures someone without passing a training course you’re more likely to be held liable, even if it was provoked.
  • Trampolines, swimming pools and backyard playgrounds can be the cause of countless scrapes and bruises, but also more serious injuries. Installing a swimming pool fence and signage is a legal requirement, as is adult supervision in a play area. Even ensuring your trampoline has good padding, will prove to an insurer that you’ve taken all the right steps to prevent accidents.

Check the definition of storms and flooding

When it comes to covering damage caused by storms and flooding, many home insurance policies are vague. It’s important to ascertain what natural disasters you are covered for. As a general rule, storm cover is included in most home and contents insurance policies.

From an insurer’s perspective, storm damage usually includes damage caused by storms, lightning, hail, rainwater, run-off and land gales. However, each insurer may define storm damage differently, so it’s crucial to check the fine print.

Flood cover is where things get tricky. It’s not always included, so if you live in a flood-prone area it’s important to check your policy’s PDS carefully to determine whether or not you are covered. If you live in a coastal area you may not be covered for some storm and flood-related damage.

If you need to make a claim, you will have to be able to prove that a storm, as defined by your insurer, has occurred. Ensure you have proof such as photographs, video footage and weather reports.

Got any other questions?

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27 Responses

  1. Default Gravatar
    andrewApril 11, 2018

    I been trying to look for a home insurance for me rental property but it was declined due to the following reasons:

    1. it is a rental property and we don’t know when we can have a tenant to occupy the property
    2. Its still under renovation/construction but water tight now.

    can you please help me find a cover for my property?

    • finder Customer Care
      NikkiApril 11, 2018Staff

      Hi Andrew!

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      Sorry to hear that you’ve been declined for home insurance. Perhaps you may want to look at Landlord Insurance. You can compare and choose insurers as well as information on coverage, benefits and the difference between home insurance and landlord insurance.

      However, many insurers won’t cover you if your property will be unoccupied for over 30 days. It will be considered unoccupied and you may void your home insurance. Each provider imposes its own time limit on the maximum period you can leave your home unoccupied and still expect full coverage under your policy. Some insurers have a maximum unoccupied limit of 60 days, others extend this limit out to 90 days, but some companies require notification if you’ll be away for more than 30 days.

      Check the product disclosure statement (PDS) for the limit imposed by your insurer. If you exceed this limit, one of two things will happen:

      The insurer may impose an additional excess on any claims that arise while your home is unoccupied.
      Your policy may be cancelled.
      However, it may be possible to contact your insurer and arrange for home insurance cover to remain in place for the entire time your home is unoccupied.

      For more information, you may view this page.

      Please note that we’re a product comparison website and we hold no affiliation with any company we feature on our site. We provide general information on products to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.

      Hope this helps! Feel free to message us anytime should you have further questions.


  2. Default Gravatar
    PeterJanuary 7, 2018

    If I purchase a property, do I need any form of insurance prior to settlement? Deposit insurance??

    • finder Customer Care
      JoanneJanuary 9, 2018Staff

      Hi Peter,

      Thanks for reaching out.

      That would be the Lenders Mortgage Insurance and it will depend on how much deposit you are able to make.

      LMI is an upfront charge you will pay if you borrow over 80% of your property’s purchase price or value when buying a home or investment property.

      Because LMI allows many borrowers to purchase a home with as little as a 5% deposit, it’s not just a fee but also a tool. You may view this page to find out what LMI is, how it works, ways to avoid LMI, and answers to commonly asked questions.


  3. Default Gravatar
    ETApril 24, 2017

    Need insurance that will cover our home year round, we live in the home 6 months a year and overseas 6 months a year, during which time we will Air BNB which we also need to be covered for. Would prefer complete replacement cover. Getting so many varying quotes and getting a bit lost!

    • finder Customer Care
      ZubairApril 26, 2017Staff

      Hi ET,

      Thank you for your question.

      finder.com.au is a comparison and information service and we are not permitted to provide our users with personalised financial advice or product recommendations.

      You may find ShareCover page helpful.

      All the best,

  4. Default Gravatar
    MickApril 3, 2017

    Who supplies Insurance to new incomplete dwellings, without a final certificate being lived in prior to completion.

    • finder Customer Care
      ZubairApril 4, 2017Staff

      Hi Mick,

      Thank you for your question.

      finder.com.au is a comparison and information service and we are not permitted to provide our users with personalised financial advice or product recommendations.

      You will need to contact home insurers directly about this matter.

      All the best,

  5. Default Gravatar
    SarahFebruary 11, 2017

    If your part of a body corporate, why is it so hard to get home and contents insurance?

    • finder Customer Care
      ZubairFebruary 14, 2017Staff

      Hi Sarah,

      Thanks for getting in touch. finder.com.au is a comparison service and we are not permitted to give personalised financial advice. You may find our strata insurance article helpful. On this page, you’ll also find an inquiry for our brokers, who may be able to help you with your question.

      All the best,

  6. Default Gravatar
    JackFebruary 9, 2017

    I have cracks inside my home high in the walls near where the walls meet the roof, also cracks on corners,and some in the cyprock ceiling, and
    walls are brick and render walls, building inspector told me it was from the plats the roof sits on from high winds shifting it, been insured for over 30 years with the some insurer, they have rejected to pay my claim, what should I do?

    • finder Customer Care
      RichardFebruary 9, 2017Staff

      Hi Jack,

      Thanks for getting in touch. If you feel that you’ve been unfairly assessed, you can go through your insurers internal dispute resolution process. If after that you’re still unsatisfied, you can contact the ombudsman.


  7. Default Gravatar
    November 19, 2016

    Why do you only show Hollard underwritten policies, plus you, under house and contents?
    Do you have a financial connection to Hollard?

    • finder Customer Care
      RichardNovember 21, 2016Staff

      HI Bruce,

      Thanks for your question. While Hollard is the underwriter of Woolworths insurance products, finder.com.au does not have a financial connection with Hollard. Out of our panel of home insurers, only Woolworths is underwritten by Hollard.

      I hope this was helpful,

  8. Default Gravatar
    CHERYLMay 26, 2016

    If I’m renting out my property do I need both home insurance and landlord insurance?

    • finder Customer Care
      RichardMay 30, 2016Staff

      Hi Cheryl,

      Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice. Landlord insurance covers many aspects your home (building) insurance wouldn’t cover a may include cover for home contents (your personal contents and not that of the tenant), storm damage, loss of rent and malicious damage. Every policy is different so you should review the policy document carefully before getting any cover.

      I hope this was helpful,

  9. Default Gravatar
    JackMarch 16, 2016

    Hi, buying a holiday home on the coast where I intend to reside 2-3 days a week. Also expect to rent out occasionally for short term holidays (Easter , XMAS, etc). Is normal Home & Contents policy OK in this situation?

    • finder Customer Care
      RichardMarch 18, 2016Staff

      Hi Jack,

      Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice. If you are looking to rent your policy using a holiday letting service such as Stayz or Airbnb, you may find ShareCover interesting.

      I hope this was helpful,

  10. Default Gravatar
    ChristineFebruary 19, 2016

    What is the BEST landlord Insurance to have

    • finder Customer Care
      MauriceFebruary 22, 2016Staff

      Hi Christine,

      While we can’t recommend a specific product for you, you can compare from our panel of home insurance providers in the table on the page: https://www.finder.com.au/home-insurance

      You can also read from our provider reviews on the panel to the left as they may assist you in understanding what the policy offers.

      I hope this helps,


    • finder Customer Care
      RichardFebruary 22, 2016Staff

      Hi Christine,

      Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice. You may find our Landlord Insurance page useful.

      I hope this was helpful,

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