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Home insurance Tasmania

Floods, sum insured safeguard, accidental damage: compare house insurance in Tasmania and get cover for the things that matter.

With climate change impacting more and more Tassies each year, home and contents insurance in Tasmania can provide financial security and peace of mind now and long into the future.

But finding a good policy can be tricky, so we've made the process simpler. The table below lets you compare all the top providers available on Finder side-by-side so that you can pick a policy that includes cover things that matter to you.

Get home and contents insurance in Tasmania

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.
  • 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.
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.
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Why do I need home insurance?

There are many reasons why home insurance in Tasmania is so important, including:

  • Tasmania's climate is changing. From catastrophic bushfires destroying ancient forests to the warming of oceans around Tasmania and Southern Australia, global warming is having a huge impact on Tasmania. Home insurance can't stop climate change, but it can protect you financially if your home is impacted by bushfires, floods or other weather events.
  • Home loan requirement. Some lenders will not approve your home loan application unless you have already purchased an adequate level of home insurance cover.
  • Financial protection. You'll probably never buy anything anywhere near as expensive as your home, so it makes sense to protect the largest investment you'll ever make. With the right home insurance cover in place, you can enjoy the peace of mind of knowing you will be looked after financially even if your home and everything you own is destroyed.
  • Stuff happens. From lightning strikes and hailstorms to burst pipes and freak accidents, disaster can strike at any time. There's no way of predicting what the future holds, but home insurance can offer critical protection against the unexpected.

Consider this when buying house insurance in Tasmania

Just like buying a home, there are certain things worth considering when you purchase home insurance in Tasmania. Here are some questions worth asking yourself before you take out a policy:

  • What kind of financial protection matters to you? The building, your belongings or both? When you choose an insurer, you'll usually be given three options:
    • Home insurance (sometimes called building-only cover), which covers the building and any built-in features such as your swimming pool.
    • Contents insurance, which covers your belongings.
    • Home and contents insurance, which does both.
  • Do you want sum insured or total replacement cover? A sum insured policy covers you up to a specified amount and is generally cheaper because you risk undervaluing your home and being underinsured. Total replacement cover will cover the rebuilding of your home to its original condition.
  • What are the main risks to your home? Depending on where you live, you may be more prone to certain risks than others. For example, bushfires can pose a big threat in rural areas of the state.

What type of home insurance can I get in Tasmania?


Home insurance

Building only

This covers the physical structure of your home, including the walls, ceilings and built-in appliances.


Contents insurance

Contents only

This protects your belongings, from jewellery to carpets and electrical appliances such as your laptop.

How much does home and contents insurance cost in Tasmania?

For a clearer idea of the cost of home and contents insurance in Tasmania, take a look at the price comparison graph below:

What insurers can I access in Tasmania?

Finder's panel of insurers includes some of Australia's leading home insurance providers, all of which offer cover to Tasmanian homeowners:

Are there any exclusions or additional costs I should be aware of?

Before choosing a policy, take a close look at any general exclusions that apply. Some common exclusions are:

  • No cover if you fail to keep your home in good condition, for example, if you fail to repair a leaky roof.
  • No cover if your home is left vacant for more than 60 days, such as if you're overseas on an extended holiday.
  • No cover for any part of your home that is used as a business.
  • No cover for damage that occurs as a direct result of renovations or extensions.
  • No cover if you fail to properly secure your home.

In addition, make sure you're aware that duty is payable on Tasmanian home insurance premiums at a rate of 10%.

Why you can trust Finder's home insurance experts

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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.
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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.
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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.
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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.
* The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

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2 Responses

    Default Gravatar
    FrancesOctober 2, 2018

    Hi, I would like to purchase contents only insurance. Do you have comparisons for these types of policies?

    Thanks

      Default Gravatar
      NikkiOctober 2, 2018

      Hi Frances,

      Thanks for your message and for contacting Finder.

      Yes, here’s our comparison table for contents insurance. You can compare quotes from different insurers by pressing the “Get a quote” button.

      Hope this helps! Feel free to message us again if you have further questions.

      Regards,

      Nikki

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