Best home insurance

Not sure how to find the best home insurance? Don't worry, we can help. This guide will give you heaps of expert knowledge, so you can lock in great cover that works for you.

We'll also reveal which Finder partner is most popular with our readers and share tips on cutting the cost of your policy, without sacrificing on coverage.

Stuck on who to choose? The 3 most popular home insurers on Finder are:

1. Budget Direct

2. Westpac

3. St. George

_{Based on clicks to active policies from April 2020 - September 2020.}

Promoted

Budget Direct Home & Contents Insurance

Budget Direct Home & Contents Insurance

Promoted

30 % off

on your first year's premium

• Fire, storm & theft cover
• Rebuilding cover
• Underinsurance protection optional
• Lodge a claim online 24/7

Get a quote More info

Get a quote More info

Save 30% on your first year's premium when you purchase a new combined Home & Contents insurance policy online. T&Cs apply.

Your search for the best home insurance starts here

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.

Sort by:

Name	Product	Online Discount	Pay Monthly at No Extra Cost	Fire, storm, & theft damage	Flood	Accidental Damage	Sum Insured Safeguard
Budget Direct Home & Contents Insurance					Optional	Optional	Optional	Save 30% on your first year's premium when you purchase a new combined Home & Contents insurance policy online. T&Cs apply.	Get a quote View details	Compare	loading Fetching your data...
Youi Building and Contents Insurance						Optional		Youi Home Insurance takes the time to tailor a premium for you.	Get a quote View details	Compare	loading Fetching your data...
Virgin Home and Contents Insurance					Optional	Optional	Optional	Grab a $100 e-Gift card when you purchase a new eligible Virgin Home and Contents Insurance policy by 30 November 2020. Purchase online and you'll save 30% on your first year’s premium. T&Cs Apply.	Get a quote View details	Compare	loading Fetching your data...
Woolworths Comprehensive Building and Contents								Save up to 20% when you purchase a combined Woolworths Home and Contents policy online.	Get a quote View details	Compare	loading Fetching your data...
Westpac Home and Contents Insurance								Save up to 25% when you purchase cover online.	Get a quote View details	Compare	loading Fetching your data...
St. George Home and Contents								Save up to 25% when you purchase cover online.	Get a quote View details	Compare	loading Fetching your data...
Domain Home Buildings & Contents Insurance						No		Get 12% off your first year's premium when you purchase a new combined Home & Contents Insurance policy online. T&Cs apply.	Get a quote View details	Compare	loading Fetching your data...
ANZ Home & Contents Insurance						Optional		Get a quote View details	Compare	loading Fetching your data...

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What type of home insurance is best for me?

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.

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.

Here are our best home insurance deals October 2020

Hopefully by now you've figured out the best home insurance for you. Now see what offers are available to sweeten the deal.

Budget Direct Home Insurance Deals

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 1 Oct 2020

Get deal

Virgin Home Insurance Deals

$100 e-Gift card + 30% off new policies

Grab a $100 e-Gift card when you purchase a new eligible Virgin Home and Contents Insurance policy by 30 November 2020. Purchase online and you'll also save up to 30% on your first year’s premium. T&Cs Apply.

Last verified 1 Oct 2020

Get deal

Deal ends 1 Dec 2020

Woolworths Home Insurance Deals

Save up to 20% on combined home & contents insurance

Receive up to 20% off your Woolworths home and contents policy when you purchase online.

Last verified 22 Oct 2020

Get deal

Domain Insure Home Insurance Deals

12% online discount on new home & contents insurance

Receive 12% off your first year's premium when you purchase a new combined Home & Contents Insurance policy online. T&Cs apply.

Last verified 1 Oct 2020

Get deal

Deal ends 1 Mar 2021

St.George Home Insurance Deals

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 1 Oct 2020

Show code

Westpac Home Insurance Deal

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 1 Oct 2020

Show code

Ready to compare policies side-by-side?

More questions about the best home insurance

• What do I need to look for in the best home insurance for Qld?

  Far north Queenslanders often face bigger 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 home insurance policy in Queensland.

  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.

• 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.

• What is the best flood insurance?

  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.

• Does the best home insurance 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.

  • New South Wales
  • Victoria
  • South Australia
  • Queensland
  • Western Australia
  • Tasmania

• 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 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.

• 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.

• 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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