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Finding the best home insurance can be easy - all you have to do is compare policies and see what benefits are best for you.
To make it even easier, we reveal which Finder partner is most popular with our readers and share tips on cutting the cost of your policy, without sacrificing on coverage.
Based on clicks to active policies from April 2020 - September 2020.
Our table lets you compare the benefits offered by Finder partners, side by side. Once you see a policy with the benefits you like, just request a quote. It's that easy.
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, compare prices.
The first step in finding the best home insurance is choosing which type of policy is best suited to you. Take a look at the types below to see which might be right for you.
✅ You own your home
✅ There is no strata
✅ You have filled your home with many belongings
✅ You own the property
✅ There is no strata
✅ You have few belongings at the property
✅ You rent your home
✅ You have furnished it yourself
✅ You keep many belongings in your home
If you're still unsure, take a look at the statements below. Decide which one best describes your situation to find out which home insurance policy might be best suited to you.
Hopefully by now you've figured out the best home insurance for you. Now see what offers are available to sweeten the deal.
Ready to compare policies side-by-side?
Remember, if you live in an area which 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 which 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 on 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 info.
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
Picture: GettyImages
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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