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Home insurance WA

Prices can vary by over $500 a year, so it pays to compare home insurance in WA.

If you live in Western Australia, you're used to preparing for extreme weather — but if you want to equip yourself financially, it's worth comparing WA home insurance as well. It can protect your home and all your belongings should a storm, bushfire or other insured event damage or destroy it.

Compare policies for home insurance in WA

1 - 7 of 24
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.
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.
Qantas Home and Contents Insurance
4.5/5★★★★★
BonusFinder Award Finalist
  • 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: Earn up to 30,000 Qantas Points with every Qantas Home Insurance policy you take out by 7 February. T&Cs and exclusions apply.
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The Finder Customer Satisfaction Awards recognise Australia's favourite brands across a huge number of categories. We survey thousands of real Australians to understand how they feel about their recent product purchases, and use that information to reward the most popular brands.

Here is the 2021/2022 winner and finalist in Western Australia.

Home insurance brand WA

Home insurance brand - WA: RAC Home Insurance

Finalists

Why do I need home and contents insurance in WA?

No matter where you live, it's worth having home insurance. But for anyone living in Western Australia, there are a few more reasons why home insurance is particularly important.

  • WA's wild weather. From May to October every year, tropical cyclones, storms, severe thunderstorms and huge hailstones are common across Perth and Western Australia, especially in the state's southern half.
  • Western Australia is the second most-burglarised state in Australia. 20% of all burglaries that took place in Australia occurred in WA, according to most recent statistics. Replacing goods and repairing damages can be costly.
  • Bushfire season. As global temperatures rise, bushfires are becoming increasingly common in areas of Western Australia that have never been affected before. Home and contents insurance can protect you if your home is destroyed or damaged by bushfires.
  • Homes are expensive, so it's important to protect them. Perth may be one of the more affordable cities for houses in Australia, but your home is still your most expensive asset. Unless you can afford to rebuild your home from scratch, it's worth getting home and contents insurance in WA.

Aside from issues that are unique to WA, home and contents insurance can help whenever accidents happen, from spilling paint on your new carpet to dropping your favourite antique vase. Plus, if your home is ever deemed unlivable, you won't have to rely on family or friends to give you a spare room. Home insurance provides emergency accommodation.

What's covered by home insurance in Western Australia?

Every home insurance policy is different, so it's important to read your product disclosure statement (PDS) carefully. However, some common inclusions are:

  • Damage due to fire
  • Theft or attempted theft
  • Storms and rainwater damage
  • Escape of liquid
  • Malicious damage or vandalism
  • Impact (such as a falling tree)
  • Broken glass, ceramics and sanitary fixtures
  • Lightning
  • Explosion
  • Earthquake or tsunami

Compare types of home insurance in WA


Home insurance

Building-only insurance
Also known as home insurance, covers damage to the physical structure of your home.


Contents insurance

Contents insurance
Protects your belongings from unexpected damage, theft, vandalism, storms, etc.


Home and contents insurance

Home and contents insurance
A policy that combines cover for the building of your home and your valuables.

How much does home insurance cost in Western Australia?

Home insurance costs in Western Australia vary depending on a number of factors like where you live, the value of your home and its contents, as well as how secure your home is. As an indication of how much it can cost though, check out the price comparison graph below.

In Western Australia, home and contents insurance policies attract stamp duty at a rate of 10% of the premium amount. Remember to include this cost in your calculations when deciding whether a policy is affordable.

What home insurers are available in Western Australia?

Most of Australia's home insurers offer cover in all Australian states and territories. These include:

What isn't covered by home insurance in WA?

You should read your PDS carefully, to make sure you're aware of any exclusions that apply. They'll be different for each insurer, but lots of companies won't offer you cover if:

  • Your home is left unoccupied for more than 60 days
  • You fail to properly secure your home
  • Your home is used for business purposes
  • You don't maintain your home in a reasonable state
  • You don't take reasonable steps to prevent loss or damage

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.

Picture: GettyImages

More guides on Finder

  • Bushfire Statistics Australia

    Every bushfire season is different, but there has been a general movement upwards in the severity of the bushfire seasons that Australia experiences.

  • Home insurance WA

    Learn about the unique risks that Western Australia faces and how to get home insurance that is right for your circumstances.

  • Flood insurance

    Most home insurers automatically cover floods but make sure you take out cover at least 72 hours before an event.

  • Honey home insurance review

    Honey home insurance is a startup that's doing things a little differently.

  • Laptop insurance

    Here are several contents insurance options that will protect your laptop anywhere you take it.

  • Home fire insurance

    Fire insurance will help you replace your home and everything in it if you lose it all to fire.

  • How much does home insurance cost in Australia?

    Discover what impacts the cost of home insurance and how to get the right protection with this handy guide.

  • Bushfire insurance

    Compare policies that cover bushfires, including smoke damage and accommodation due to evacuation.

  • Storm damage insurance

    Protect your home against storm, flood and rainwater damage with the help of this comprehensive guide.

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2 Responses

    Default Gravatar
    VanessaApril 12, 2018

    I want to change all my insurances over. Who can get quotes for me. I can email all old policies.

      Default Gravatar
      NikkiApril 12, 2018

      Hi Vanessa,

      Thanks for your message and for visiting Finder.

      You may have to contact your insurance provider to change/cancel all your insurances.

      As a guide you may use the following pages:

      If you are looking to switch providers, you can request quotation from different brands on the following guides:

      You can also seek assistance from an insurance broker that can help you navigate the complex world of insurance and give you a range of options.

      Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

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

      Cheers,
      Nikki

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