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Victoria has the highest number of break-ins anywhere in the country, but it's also no stranger to natural disasters like bushfire, flood and storms.
Home insurance will cover you if the local hooligans send a footy through your window, a flood takes out your whole basement or an opportunistic thief visits your house while you're gone.
The right type and level of cover for you may vary substantially depending on where you live in Victoria.
One of the biggest risks facing rural properties in Victoria is bushfire, while some towns on the banks of the mighty Murray River face an increased risk of a flood. If you’re the owner of an apartment in the CBD, you might be more likely to face theft and break-ins or water damage if your upstairs neighbour has plumbing problems and your apartment is flooded.
You’ll need to consider a wide range of factors when deciding on the best home insurance policy for your needs. First, you’ll need to consider whether you want standalone home or contents cover, or whether you want to combine the two and enjoy the benefits of comprehensive cover.
Next, think about your specific cover requirements. How much cover do you need? What risks do you need to protect your property and possessions against? How much would it cost to replace everything you own if it were completely destroyed?
By taking your unique risks into account, you’ll be able to find a policy that matches your needs.
There are three home insurance options available to Victorian homeowners:
The cost of home insurance in Victoria varies depending on a number of factors:
Most home insurance providers are not state specific and provide cover for homes all around Australia. finder.com.au’s panel of home insurers features some of Australia’s leading home insurance providers that offer cover in Victoria:
Before you choose a home insurance policy, make sure you’re aware of any general exclusions that apply. The following are some common home insurance exclusions:
Finally, when you do take out home and contents insurance in Victoria, make sure you’re aware that a 10% duty charge will be included in your premium. An additional Fire Services Levy used to apply to all policies, but this was scrapped in July 2013.
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