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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
We chose top picks for each of these categories:
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.
| Brand | Policy | Optional features | Apply |
|---|---|---|---|
 | 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.
| Brand | Policy | Optional features | Apply |
|---|---|---|---|
 | 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 |
|---|---|---|
 |
| More info |
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.
Stuck on who to choose? The 3 most popular home insurers on Finder are:
Based on clicks to active policies from August 2020 - January 2021.
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.
| 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. |
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.
30% online discount on new home & contents insurance Receive 30% off your first year's premium when you purchase a new combined Home & Contents Insurance policy online. T&Cs apply. Last verified
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. Last verified
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. Last verified
Get up to 30% off new policies Save up to 30% on your first year’s premium when you purchase home and contents insurance online. T&Cs apply. Last verified
Deal ends
Save up to 25% when you buy online Buy a St George Home and Contents insurance policy online and you could save up to 25%. Last verified
Get up to 25% off when you sign up for a new home and contents policy Save up to 25% when you combine Home and Contents Insurance online. Last verified
Up to 20% off with a new home and contents insurance policy online Save up to 20% when you purchase combined Home and Contents cover online. Last verified
15% online discount on new home & contents insurance Receive 15% off your first year's premium when you purchase a new combined Home & Contents Insurance policy online. T&Cs apply. Last verified
Deal ends
Get 10% off when buying Home and Contents Insurance from Australia Post Save 10% when you buy a combined home and contents insurance policy from Australia Post. T&Cs apply. Last verified
Budget Direct Home Insurance Deals
Australian Seniors Home Insurance Deals
Qantas Home Insurance Deals
Virgin Home Insurance Deals
St.George Home Insurance Deals
Westpac Home Insurance Deal
Real Home Insurance Deal
Domain Insure Home Insurance Deals
Australia Post Home Insurance Deals
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.
Compare some of the best home insurance policies in a few clicks
Frequently asked questions
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.
What is the best engagement ring insurance?
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.
You can read our guide on finding engagement ring insurance for more information.
How do I find the best laptop insurance in Australia?
You can add cover for your laptop to your contents insurance, or you can take out single item insurance.
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.
How do I find the best policy if I'm a first-home buyer?
The only way to get the best policy is by understanding the product and what options are available to you. Luckily, we have a jargon-free guide to help first time home buyers find the right home insurance.
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.
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Ask an Expert
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