The best home insurance for you will depend on your budget and personal circumstances. Our experts have chosen a bunch of picks that will suit a range of people, but these should only be used as a guide. You should always read the PDS to know if a product is a good fit for you.
Budget Direct Home & Contents Insurance is a well-rounded policy that delivers on all fronts. You can add as many features as you’d like, it’s typically pretty cheap and it has great customer service. In fact, Budget Direct recently won our Finder Customer Satisfaction Award for home insurance. It’s also been given a generous Finder Score of 9.2/10.
Budget Direct won the 2024 Finder Award for Customer Satisfaction and it was highly commended in the 2025 Finder Home Insurance Product Awards. According to our research, it’s one of the cheapest providers, yet it provides similar cover to more expensive insurers.
Honey Home & Contents Insurance has thorough coverage with generous benefit limits. That’s why it’s been given a Finder Score of 8.3/10..
Honey Home & Contents Insurance offers a good product at a reasonable price — it’s that simple. Oftentimes, it outdoes competitors by offering higher benefit limits, while remaining competitively priced. It’s not the cheapest, but it’s far from the most expensive. For those who like to spend a little more to know they’ve got a really comprehensive product, this is a good option.
QBE Home & Contents Insurance automatically covers flood damage. It's included in the 'insured event' storm, storm surge, rain, hail or flood. This makes claiming a little simpler. With most insurers, storms and floods are considered 2 separate insured events. This means if there is storm and flood damage to your home, you may need to pay 2 excesses – but not with QBE. That’s why it’s been given a Finder score of 9.6/10.
We looked at the features of over 50 policies and got over 500 quotes. QBE was one of few providers who include flood as standard plus it was cheaper than some providers who don’t include flood cover.
You get a lot for your money. Australia Post’s ​​policies are issued by QBE, one of the world’s biggest insurers. Our research shows it’s much cheaper though - a bit like getting a Michelin star meal for the price of a Big Mac. That’s why it’s been given a Finder score of 9.9/10.
Australia Post won the 2025 Finder Home Insurance Award for best comprehensive policy.
To determine our winners, we got 430 quotes for 44 home and contents insurance policies. We got quotes in every major state of Australia. We then scored each insurer based on 16 commonly covered features.
The final score was based on a combination of features and price. The comprehensive weighting was a 70/30 split of features and price.
Top 3 policies in Home insurance - Comprehensive
You've probably noticed that your home insurance has increased a lot in the last 12 months. (Our research shows it's gone up by 19% thanks to climate disasters and the cost of living crisis).
We do a lot at Finder, but we can't single-handedly fix the climate. We can help you keep prices down though.
That’s why our insurance team has hand-picked 4 home and contents insurance policies. They’re based on 2025 Finder Awards data, AFCA complaints, customer reviews and a bunch of other important factors, such as flood and bushfire cover.
All the policies can pay to repair your home and its contents if damaged by an insured event such as a fire, bushfire or storm. Not all cover floods though – we've highlighted which ones in each of our reviews.
Why you can trust our research
51 home and contents insurance policies analysed
6,100+ customers surveyed
500+ prices gathered
80+ hours of research
"We've had a leak in our home before, and even though repairs were covered by insurance, fixing the actual issue fell to us – which cost over $16,000. So, the home sensor pack Honey sent us gave us extra peace of mind that we don't have any sneaky leaks or hidden issues."
Want to know how people actually feel about their insurer? So do we! That's why we surveyed a bunch of Australians about their home insurance provider. We asked them to rate them based on: customer service, features & benefits, ease of application, value for money and reliability. Here's who came out on top.
| Brand | Overall satisfaction rating |
|---|---|
 | ★★★★★ 4.25/5 |
 | ★★★★★ 4.20/5 |
 | ★★★★★ 4.11/5 |
 | ★★★★★ 3.40/5 |
 | ★★★★★ 3.36/5 |
We've also researched and reviewed a bunch of home insurance companies to help you decide.
If the brand you're looking for isn't here, check out our directory.
Shed insurance can cover sheds of all shapes and sizes, as well as their often-valuable contents.
Find out how home insurance can cover water damage and how to avoid some of the pitfalls.
Cancelling your home insurance is actually quite simple and you can do it at any time.
It’s possible to get home insurance for an unoccupied home, you just have to let your insurer know.
Motor burnout covers those big appliances in your home in the event that they let you down. This article will show you what it is, why it's important and how much it can cost you.
With a variety of insurance options to protect your mobile phone, here's what you need to know.
Find out what renter's insurance is, what it covers and how to find the right policy for your needs.
Follow these steps to find affordable home insurance that won't leave you stranded.
Compare home and contents insurance - our research shows you can save up to $1,653 by switching.