Finder makes money from featured partners, but editorial opinions are our own.

Australia Post home insurance review

Australia Post home insurance is good if you want higher benefit limits and it’s one of the few to offer a sum insured safeguard.

3.7 ★★★★★ (25 reviews) Write a review

Our verdict

Pros

  • Australia Post home insurance is about 12% cheaper than the national average.
  • Save 10% when you buy a combined home and contents insurance policy from Australia Post. T&Cs apply.
  • We couldn't find a brand that offered higher cover for legal liability, lock replacement, or temporary accommodation.

Cons

  • There's no cover for guest contents, while some brands offer up to $7,000.
  • There's no option to remove flood cover to lower your premium.
  • Australia Post's PDS includes some vague wording, including cover to a 'reasonable cost'.

How does Australia Post compare with other popular providers?

Australia Post offers cheaper home insurance than many other providers and offers a good range of benefits with some generous limits. For example, we couldn't find a brand which offered higher cover for legal liability, lock replacement, or temporary accommodation.

Features

Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Finder AwardBonus
Australia Post Home & Contents Insurance
Annually
Our verdict: Covers common claims such as fire, storms, floods and rain. It’s also very helpful if you need to rebuild following a disaster. It offers a special safeguard of up to 30%.
BonusFinder Award Finalist
Budget Direct Home & Contents Insurance
Optional
Annually
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.
NRMA Home & Contents Insurance
Annually
AAMI Home and Contents Insurance
Optional
Annually
Allianz Home and Contents Insurance
Monthly or Annually
Our verdict: Strong customer service record and pay monthly at no extra cost. You also get up to $5k for environmentally friendly upgrades if your home is destroyed.
loading

Price

As part of our 2024 awards, our insurance experts researched 45 home insurance brands and got over 400 quotes. Australia Post is cheaper than most brands - in fact, it's 12% cheaper than the national average. There are cheaper home insurance policies available but keep in mind that the best home insurance for you may depend on more than just price.

Remember, your quote may look different as pricing is highly dependent on specific situations.

ProviderAverage costApply
Australia Post$1,811.97Get quote
Budget Direct Logo$1,241.44Get quote
AAMI Logo$1,125.97More info
NRMA logo$831.86More info
Allianz Logo$1,856.405More info

Methodology

Compare Australia Post's home insurance policies

Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Finder AwardBonus
Australia Post Home & Contents Insurance
Annually
Our verdict: Covers common claims such as fire, storms, floods and rain. It’s also very helpful if you need to rebuild following a disaster. It offers a special safeguard of up to 30%.
Australia Post Home Insurance
Annually
Our verdict: Covers common claims such as fire, storms, floods and rain. It’s also very helpful if you need to rebuild following a disaster. It offers a special safeguard of up to 30%.
Australia Post Contents Insurance
Annually
Our verdict: Covers common claims such as fire, storms and water damage. Like most contents policies, you need to pay extra for accidental damage cover.
loading
Deal

Get 10% off when buying Home and Contents Insurance from Australia Post

Save 10% when you buy a combined home and contents insurance policy online from Australia Post. T&Cs apply.

Congratulations, Australia Post!

Australia Post received the following awards in the 2024 Product Awards and the 2023 Customer Satisfaction Awards:

  • 'Home Insurance - Comprehensive' - Winner
  • 'Home Insurance - NSW' - Winner
  • 'Home Insurance - WA' - Winner
  • 'Home Insurance - VIC' - Highly Commended

What additional cover options are available?

Australia Post offers some customisations so you can tailor your policy, including:

  • Accidental damage - Protect your home or contents from accidental damage. For example, accidentally breaking an expensive vase.
  • Item limit increase - Increase the claimable amount for specific items, such as jewellery artwork or collectables.

Australia Post home insurance claims process

Australia Post home insurance is provided by QBE. You can lodge a claim online, via the QBE website. You'll need your policy number, details of what happened, and information on who was involved. You can also call QBE on 13 70 11.

Australia Post home insurance complaints information

Australia Post home insurance is provided by QBE. In the last financial year, The Australian Financial Complaints Authority (AFCA) received 927 complaints in relation to Australia Post's home and contents insurance, 291 of which were resolved at registration and referral, 629 progressed to case management and 540 of those were closed at case management.

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.

FAQs

More guides on Finder

Ask a Question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

6 Responses

    Default Gravatar
    KleoApril 8, 2017

    Does the 30% off get applied automatically or do I have to enter the code at checkout (no option).
    I have contacted Auspost they claim it might be an offer that Finder.com.au has on.

      AvatarFinder
      ZubairApril 11, 2017Finder

      Hi Kleo,

      Thank you for your question.

      Australia Post has a discount offer of 30% on their gold home and contents insurance policy if you purchased online. This offer is still active on the Australia Post’s website.

      All the best,
      Zubair

    Default Gravatar
    DeborahJanuary 17, 2017

    Does the building & contents insurance cover tsunamis ?

      AvatarFinder
      RichardJanuary 23, 2017Finder

      Hi Deborah,

      Thanks for getting in touch. Australia Post Home Insurance will not pay a claim if it arises due to high tide, tsunami or storm surge.

      All the best,
      Richard

    Default Gravatar
    LeanneDecember 14, 2016

    My house has asbestos fibro cladding on the exterior. Is this covered by your insurance product?

      AvatarFinder
      JasonDecember 15, 2016Finder

      Hi Leanne,

      Thank you for your enquiry.

      Australia Post Home Insurance will not pay claims due to the presence of asbestos in your property or house.

      Please note that finder.com.au is a financial information service and general information website that helps consumers make better decisions. We are not an insurer or an insurance company.

      Kind regards,
      Jason

Go to site