Home insurance in Western Australia – Compare and get a quote

Home insurance WA

Getting home insurance in Western Australia (WA) can be easy, whether you live in Perth city or the rural outskirts.

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Western Australians are used to preparing for extreme weather, but if you want to equip yourself financially, you need to think about 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. It ensures you can get things back to normal without breaking the bank.

Compare policies for home insurance in WA

Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Budget Direct Home & Contents Insurance
Optional
Annually
Save 30% on your first year's premium when you purchase a new combined Home & Contents insurance policy online. T&Cs apply.
Australia Post Home & Contents Insurance
Annually
Save 10% when you buy a combined home and contents insurance policy from Australia Post.
Domain Home Buildings & Contents Insurance
Monthly or Annually
Get 15% off your first year's premium when you purchase a new combined Home & Contents Insurance policy online. T&Cs apply.
St. George Home and Contents
Monthly or Annually
Save up to 25% when you purchase cover online. Promo code: COVER
Qantas Home and Contents Insurance
Optional
Annually
Earn up to 20,000 Qantas Points when you apply by 2 May. Points awarded will be based on your premium. T&Cs & exclusions apply.
Westpac Home and Contents Insurance
Monthly or Annually
Save up to 25% when you purchase cover online. Promo code: COVER
Youi Building and Contents Insurance
Annually
Youi Home Insurance takes the time to tailor a premium for you.
Virgin Home and Contents Insurance
Optional
Annually
Purchase a new eligible Virgin Home and Contents Insurance policy online and you'll also save up to 30% on your first year’s premium. T&Cs Apply.
Real Top Home and Contents Insurance
Annually
Save up to 20% when you purchase combined Home and Contents online.
Seniors Top Home & Contents Insurance
Annually
Buy online and save up to 30% on a new home and contents insurance policy. T&Cs apply.
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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



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


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


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.

Home insurance cost wa

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

Picture: GettyImages

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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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