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What is home and contents insurance?
Your home is likely to be the most expensive thing you own, so it's worth protecting. If it gets damaged by fire, flood, burst pipes or a storm, you'll be patting yourself on the back for organising home insurance. Here's a little bit about what it can cover:
Fire, storm and theft damage
Flood - this is often an optional extra, it isn't included as standard in all policies
Accidental damage
Escape of liquid (like a burst pipe)
Malicious damage (like vandalism)
If any of these events occur (plus some others), then you can be compensated for both the expense to repair your home and the expenses you incur while having to live outside of your home.
What are the different types of home insurance?
There are four main types of home insurance:
Building insurance
This is straight up home insurance. It includes cover for the home, so the actual building, only.
Contents insurance
This insures the belongings inside your home. So if you've got an expensive TV, oven etc — these can be covered by contents insurance.
Home and contents insurance
As the name implies, this is a combination of the two. This means your home building and your contents are insured.
Landlord insurance
This can include building insurance and/or contents insurance, based on what you need as a landlord. It's designed to protect your investment home while others are renting it.
The best way to save money on your home insurance bill is to compare policies every time you go to renew. Sometimes, this doesn't even mean switching! It can be as simple as being informed about other prices so you can negotiate with your current insurer. I did this with my most recent home insurance bill and saved $200.
Every insurer prices its risk in really different ways, which means you could get two very different quotes on the exact same house and same policy holder. That's why you're almost always going to pay over the offs if you don't shop around regularly. Call your insurer and ask for a better deal and if they can't do anything, do a quick comparison – for 60 minutes of your time, you could save hundreds or even thousands of dollars.
Home insurance premiums are getting more and more expensive so it's critical to ensure you're not paying more than you need to. Here's a few tips to get your home insurance bill down a bit lower:
Compare your options. The best way to cut your bill down is to compare your options. Often, insurers will increase your premium every year because they're assuming you'll let it auto renew and won't question the increase. Loyalty does not pay and there's almost always money to save by switching.
Call your insurer. Often, your insurer is more interested in keeping you as a customer than watching you go elsewhere, so if you call and ask if they can reduce your premium, they'll likely do this. I called my insurer when my home insurance was up for renewal and said "Is there any flexibility on the price?" and they immediately dropped it by $200.
Use sign up discounts. Sign up discounts can save you hundreds simply for being a new customer and signing up online. It's a great way to save! Hot tip: look for percentage discounts rather than a dollar figure discount. 15% off is almost always going to be better for you than $50 off.
Increase your excess. The higher your excess, the lower your premium. However, your excess needs to remain affordable for you in the event that you have to make a claim, so do this responsibly.
Review your policy inclusions. If you're looking to save, it can be worthwhile looking at your policy and seeing if you've got any unnecessary inclusions that are driving your premium up. I once had an insurer tell me that I needed flood cover, but I live on a hill. A really big hill.
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 bills so we could spend time enjoying our retirement. When we received our home insurance renewal bill (from a company we'd been with for 5 years), I was blown away to learn that they were increasing my premium by a whopping 60%. I compared my options and ended up going with another provider. Even with added benefits, we still saved over $700 a year by switching!"
Donna and Kevin Field
NSW-based homeowners
FAQs
Some mortgage lenders will require you to have home insurance when you buy a home to ensure that they get paid, even in the event of a disaster. Outside of this though, there's no legal requirement to have home insurance, it's just wise. It's probably your biggest asset. If you can't afford to lose it, insure it.
Our latest research from November 2024 shows that the average home and contents insurance policy costs around $2,800. Of course, your own quote will differ as it's heavily dependent on the rebuild cost of your home and the value of your contents.
If you rent, you should consider contents insurance only, you won't need building insurance (that's your landlord's job). Contents insurance can protect your belongings so it's worth considering if you have anything of particular value.
You shouldn't need home (building) insurance because your strata fees will cover that but you may like to consider contents insurance to protect your belongings.
For building insurance, you'll need to know a rough estimate of what it'd cost to rebuild your home. This is not the value of your home as that's different and depends on the housing market. This is the cost of materials and labour to rebuild your home. Unfortunately, there's no real way to calculate this with certainty. It could help to look at home building costs for similar properties in your area.
Additionally, if you're getting contents insurance then you'll need to know the value of the items you're insuring so you can ensure your sum insured is enough.
It can be. For many policies, it's an optional extra - it's not always included as standard.
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To make sure you get accurate and helpful information, this guide has been edited by Angus Kidman as part of our fact-checking process.
Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio
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I am looking for an insurance company which has landlord building and content insurance for a residential property with business Tennant (NDIS provider)
Finder
PetaMarch 26, 2025Finder
Hi Andy, given it’s a residential property but has a business tenant, it’s hard to say if you’ll need residential landlord insurance or commercial landlord insurance. I’d suggest calling a residential landlord insurer first and asking them about how they insure residential properties with business tenants. If you’re told that you can’t get insurance from them, I’d suggest looking into a commercial landlord policy instead. You might also find it easier to go through a broker.
BrentonMarch 11, 2025
I’ve purchased and moved into an apartment in the city. There are three residential apartments and three businesses in the building, and we are part of a Strata title.
Strata covers the building insurance, and I have separate contents insurance (including legal liability).
The strata deed states that all units are to have a minimum of $10,000,000 of public liability cover. I understand PL for the businesses, however, can it be purchased to cover residential?
Finder
AngusMarch 12, 2025Finder
Hi Brenton, Most comprehensive home and contents insurance policies will also include a public liability component – but you’ll need to check the product disclosure statement (PDS) to see what the level of cover is.
JOHNJanuary 17, 2025
PLEASE ADVISE WHERE PERSONS HAVE BEEN ABLE TO GET HOME IBSURANCE TYPE COVER WHILST LIVING IN NURSING HOME OF BRICK CONSTRUCTION SPRINKLERED AND 24 HOUR STAFFING
Finder
SarahJanuary 17, 2025Finder
Hi John,
If you’re living in a nursing home, it’s likely the building insurance is arranged by the nursing home and covered as part of your fees. You may want to get contents insurance, as this covers things like carpet, curtains and cupboards, as well as your personal belongings. Hope this helps.
EduardoDecember 20, 2024
I am looking for my dual occupancy home insurance
Finder
AngusDecember 30, 2024Finder
Hi Eduardo, Dual occupancy covers a few different scenarios. In multi-unit dwellings like apartments, strata insurance covers the building structure, but this is organised by the body corporate. As a renter or owner-occupier, you might consider separate contents insurance for your own possessions to protect against theft or accidental damage. Hope this helps.
AndrewDecember 9, 2024
Original property subdivided into Lot A, B and C. Townhouse built on A, Townhouse built on B (mine) and Lot C is Common Property and used as a driveway for both A and B properties. There is no strata title or owners corp. I am concern3d about public liability and legal cost of personal injury on the common property. My home and content insurance won’t cover the common property. Other insurance companies I have tried will only offer strata insurance if there is a strata title or owners corp. I am looking for legal liability coverage for the common property. Thanks
Finder
SarahDecember 9, 2024Finder
Hi Andrew,
Given the bespoke nature of your requirements, it would be a good idea to engage an insurance broker. They often work with specialist insurers, so they can help you get the cover you need. Best of luck!
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I am looking for an insurance company which has landlord building and content insurance for a residential property with business Tennant (NDIS provider)
Hi Andy, given it’s a residential property but has a business tenant, it’s hard to say if you’ll need residential landlord insurance or commercial landlord insurance. I’d suggest calling a residential landlord insurer first and asking them about how they insure residential properties with business tenants. If you’re told that you can’t get insurance from them, I’d suggest looking into a commercial landlord policy instead. You might also find it easier to go through a broker.
I’ve purchased and moved into an apartment in the city. There are three residential apartments and three businesses in the building, and we are part of a Strata title.
Strata covers the building insurance, and I have separate contents insurance (including legal liability).
The strata deed states that all units are to have a minimum of $10,000,000 of public liability cover. I understand PL for the businesses, however, can it be purchased to cover residential?
Hi Brenton, Most comprehensive home and contents insurance policies will also include a public liability component – but you’ll need to check the product disclosure statement (PDS) to see what the level of cover is.
PLEASE ADVISE WHERE PERSONS HAVE BEEN ABLE TO GET HOME IBSURANCE TYPE COVER WHILST LIVING IN NURSING HOME OF BRICK CONSTRUCTION SPRINKLERED AND 24 HOUR STAFFING
Hi John,
If you’re living in a nursing home, it’s likely the building insurance is arranged by the nursing home and covered as part of your fees. You may want to get contents insurance, as this covers things like carpet, curtains and cupboards, as well as your personal belongings. Hope this helps.
I am looking for my dual occupancy home insurance
Hi Eduardo, Dual occupancy covers a few different scenarios. In multi-unit dwellings like apartments, strata insurance covers the building structure, but this is organised by the body corporate. As a renter or owner-occupier, you might consider separate contents insurance for your own possessions to protect against theft or accidental damage. Hope this helps.
Original property subdivided into Lot A, B and C. Townhouse built on A, Townhouse built on B (mine) and Lot C is Common Property and used as a driveway for both A and B properties. There is no strata title or owners corp. I am concern3d about public liability and legal cost of personal injury on the common property. My home and content insurance won’t cover the common property. Other insurance companies I have tried will only offer strata insurance if there is a strata title or owners corp. I am looking for legal liability coverage for the common property. Thanks
Hi Andrew,
Given the bespoke nature of your requirements, it would be a good idea to engage an insurance broker. They often work with specialist insurers, so they can help you get the cover you need. Best of luck!