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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.
Must read: Looking for the best home insurance?
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.
Here are our Top Picks in April 2021
Our Top Pick for Best Home Insurance Overall – Westpac or St George
We analysed 13 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 came out with the lowest average policy price, plus they offer a wide range of benefits. You'll get an automatic safety net in case you're accidentally underinsured, flood cover as standard and you can pay monthly at no extra cost.
|Premier Care||Get quote|
|Premier Care||Get quote|
"We analysed 13 different home insurance policies, across more than 30 different factors, and gave each one a score."
Our Top Pick for Flexibility – Budget Direct or Virgin Money
Want the flexibility to create a policy that works perfectly for you? After looking at 13 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.
Optional benefits include sum insured protection, flood cover, accidental damage and motor burnout. You can also specify individual high value items and adjust your excess.
|Home and Contents Insurance||Get quote|
|Home and Contents Insurance||Get quote|
Our Top Pick for Customer Service – Huddle
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|
So how did we choose our Top Picks?
- We looked at 13 home insurance brands like Budget Direct, Huddle and Westpac.
- We analysed over 30 different benefits and gave them each a weighting based on the importance of that benefit. E.g. We scored standard inclusions like fire and theft a score of 1, while less common (but still important) benefits like underinsurance protection were given a score of 3.
- After all the scores were applied, each brand had a total score and was ranked from highest to lowest in 3 separate categories; top pick for best home insurance overall, top pick for flexibility and top pick for customer service.
Want to compare for yourself? Find the best home insurance for you
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.
Trying to choose the best policy type?
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.
|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.|
|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.|
|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.|
Find some of the best home insurance deals in April 2021
Hopefully by now you've figured out the best policy for you. Now see what offers are available to sweeten the deal.
What are the best home insurance companies?
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.
Frequently asked questions
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