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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.
Our Top Pick for Best Home Insurance Overall – Westpac
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.
"We analysed 17 different home insurance policies, across more than 30 different factors, and gave each one a score."
Our Top Pick for Flexibility – Budget Direct
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.
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.
We looked at 17 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.
Stuck on who to choose? The 3 most popular home insurers on Finder are:
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.
Buy online and save up to 30% on a home & contents policy with Australian Seniors.
Offer applies to new policies bought online. Discount is made up of a 10% online discount for the first year, 10% for buying a combined policy and a further 10% if you hold a Seniors Card or 5% for non-card holders over the age of 50. T&Cs apply.
Earn up to 20,000 Qantas Points with Qantas Home Insurance
Plus save 15% on your premium when you combine your Home & Contents insurance. Points awarded will be based on your premium. Not available on homes or for contents we already insure for you. T&Cs & exclusions apply.
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.
What do I need to look for in the best home insurance for Queensland?
Far North Queenslanders often face higher home insurance premiums because the area is prone to cyclones and flooding. That's why it's particularly important to compare prices from different insurers to find the best policy in Queensland.
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.
How do I get the best home insurance for Perth?
As with any area, finding the best home insurance is all about knowing what you want, getting quotes online and then comparing prices from different companies.
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.
Does the best home insurer change based on where I live?
It certainly can. As an example, you might find that some brands have more cover for storms and floods, so if you live in a flood-prone area, these brands may be better suited for you.
Here's a list of our state guides that can help you decide what kind of policy is best for you.
There are a few different ways to get engagement ring insurance. You might want to get it through your home insurance, through a specialist, or through single-item insurance.
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.
What is a home insurance key facts sheet and why should I read it before choosing a policy?
Every home insurance policy should come with a key facts sheet. This is a simple document that outlines exactly what you are covered for and other policy specifics you need to know. It is written in clear, non-technical language. Always read through the key facts sheet (and the PDS) before buying a home insurance policy.
Nicola Middlemiss is a senior writer at Finder, focusing on all things insurance. She's been a journalist for over five years and has contributed to a wide range of industry publications including Insurance Business, MoneyMag, the Educator, Your Investment Property, Mortgage Professional Australia, and Wealth Professional. She has written over a thousand articles covering the insurance industry and now uses that insight to help Australian consumers understand their own insurance policies, and make smarter decisions. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds.
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