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Finding the best home insurance can be easy – all you have to do is see what benefits are best for you, and compare policies.
We've also put together some top picks and reveal which Finder partners are most popular with our readers. We're hoping this sets you up to find the best home policy place.
There's no single "best" home insurance policy that suits everyone, because we each have different budgets and priorities for the things we want to protect. To compare home insurance, think about what matters most in your home. Do you live in a flood-prone zone? Do you own expensive things? Or do you want just basic cover? It's completely up to you.
We analysed 17 different home insurance policies, across more than 30 different factors, and gave each one a score. Westpac and St George, which both offer the same Premier Care package, came out on top.
Both brands offer very similar benefits. So to help you make a choice, we combined this research with our own data that tells us who's the most popular home insurance brand from Finder partners. Westpac was the winner.
| Brand | Policy | Optional features | Apply |
|---|---|---|---|
 | Premier Care |
| Get quote |
"We analysed 17 different home insurance policies, across more than 30 different factors, and gave each one a score."
Want the flexibility to create a policy that works perfectly for you? After looking at 17 different brands, we found that Virgin Money and Budget Direct offer the most optional add-ons so you can pick and choose which benefits you want. That also means not paying for the benefits you don't need.
Both Budget Direct and Virgin Money offer very similar policies. To help you make a decision, our analysis takes into consideration the popularity of the brand amongst Finder customers. With that in mind, Budget Direct took the cake.
| Brand | Policy | Optional features | Apply |
|---|---|---|---|
 | Home and Contents Insurance |
| Get quote |
Huddle was the only home insurance brand we could find that lets customers claim over the phone, online and via an app. In some cases, claims can be handled in a matter of minutes.
You can also request quotes online and the brand has a helpful live chat feature on its website. Plus, Huddle has an optional Home Assist feature, which customers can use to access expert help during home emergencies such as a broken pipe, blocked toilet or being locked out.
Importantly, Huddle is well-received by Australian customers. As of February 2020, the brand is earmarked as excellent by Trustpilot thanks to its average customer rating of 4.5 out of 5.
| Brand | Customer service features | Apply |
|---|---|---|
 |
| More info |
Tip: You can request a quote from more than one insurer. In fact, that's the best way to save money. Review benefits, request quotes and compare prices.
Based on clicks to active policies from January 2021 - June 2021.
The first step to finding the best insurance is choosing which type of policy is best suited to you. There are three main types you can choose from:
If you need help deciding which policy type is best for you, check out the statements below. See which statement best describes your situation, and hopefully you'll be able to figure out which policy suits.
| Situation | Best policy | Why? |
|---|---|---|
 I own my own home and have filled it with my belongings. There is no strata title for my home. | Home and contents | You'll be protected against damage to the actual structure of your home as well as the items inside. You'll be covered for storm damage, burst pipes, theft and more. |
 I own my own home but it was sold with a strata title. I have filled it with my belongings. | Contents | Your strata insurance will cover the structure of your home and communal areas. Contents insurance will protect your belongings against fire damage, water damage, theft and more. |
 I own the property but don't keep many belongings there. | Home/building | If there isn't much inside your home that can be damaged, you might not need contents insurance. Building insurance will cover the structure of your house as well as its permanent fittings. |
 I rent my home but have furnished it myself and filled it with my belongings. | Contents | Your landlord should have buildings insurance and will have to cover the cost of damages to the structure of your home. However, contents insurance can protect you if your items are damaged, stolen or destroyed. |
 I rent my home and have few belongings and they would be inexpensive to replace. | No home insurance | Not everyone needs home insurance. If you could replace all of the belongings inside your home at a low cost, you might not need any insurance. |
Hopefully by now you've figured out the best policy for you. Now see what offers are available to sweeten the deal.
30% online discount on new home & contents insurance
Get 30% off new policies
Buy online and save up to 30% on a home & contents policy with Australian Seniors.
Earn up to 20,000 Qantas Points with Qantas Home Insurance
Save up to 25% when you buy online
Get up to 25% off when you sign up for a new home and contents policy
15% online discount on new home & contents insurance
It's really hard to say which is the best home insurance company without knowing a bit about you. So here's a bunch of home insurance companies that we've researched and reviewed. Hopefully this can help you.
If the brand you're looking for isn't here, check out our directory.
Compare some of the best home insurance policies in a few clicks
Remember, if you live in an area that is prone to flooding, make sure you get a policy with flood cover added on (or included). Storm damage should be included as standard in your policy.
The price of houses in Perth are on the rise so it makes sense to protect something that you spent so much money on. Try reading our guide on finding home insurance in Western Australia to get started.
Flood insurance will pay to repair your home if a body of water – such as a lake, river or reservoir – overflows and spills into your home. However, not all flood insurance covers coastal flooding or tidal waves.
If you live close to the ocean, it may be worth finding a policy that covers this type of flooding.
When looking for flood insurance, don't forget to get cover for both the physical building and damage to your belongings.
Here's a list of our state guides that can help you decide what kind of policy is best for you.
When looking for the best cover, make sure to get your ring valued and that your policy will cover that amount. Remember, to take depreciation into consideration. If you're getting cover as part of your home insurance, make sure to add portable contents onto your policy so you're covered if you lose your ring outside of your home.
You can read our guide on finding engagement ring insurance for more information.
Some of the best policies will also let you add portable contents cover so that your laptop is covered in and outside of your home.
You can find more information in our guide to laptop insurance.
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Does the cost of land included in home value to be insured?
Hi Mahendra,
Thank you for your comment.
Only the cost of the property’s structure and its associated systems, fixtures, and finishes will be included in the estimate. The land value is included in a home’s market value but it’s not be included in the amount of insurance you buy.
Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
Regards,
Jhezelyn