Best home insurance

Looking for the best home insurance? Use our Top Picks and see some of our most popular home insurers.

Top pick:
Overall
  • Included safety net
  • Included flood cover
  • Pay monthly at no extra cost
Top pick:
Most Popular
  • Fire, storm & theft cover
  • Lodge a claim online 24/7
  • Optional sum insured safeguard
Top pick:
Customer Service
  • Online claims via phone, online and the app
  • Request quotes online
  • Live chat feature
  • Home Assist feature
Top pick:
Green Company
Green Company
  • Winner of Finder Green Award in 2020 - 2021
  • Environmental upgrades for contents
  • Environmental upgrades for buildings
Top pick:
Seniors
  • Discounts for Seniors Card Holders
  • Discounts for seniors over 50yrs
  • Contact over the phone or online

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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 December 2021

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.

BrandPolicyOptional featuresApply
Westpac home insurancePremier Care
  • Included safety net
  • Included flood cover
  • Pay monthly at no extra cost
More info

"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.

BrandPolicyOptional featuresApply
Budget Direct home insuranceHome and Contents Insurance
  • Sum insured protection
  • Flood cover
  • Accidental damage
  • Motor burnout
  • Specified items
  • Flexible excess
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.

BrandCustomer service featuresApply
Huddle home insurance
  • Online claims via phone, online and the app
  • Request quotes online
  • Live chat feature
  • Home Assist feature
Get quote

Our Top Pick for Green Company - QBE

QBE was chosen as Green Insurer of the Year for it's green initiatives like Premiums4Good. On top of that, if your house or belongings are damaged in an insured event, QBE will cover the extra cost of replacing your stuff with more eco-friendly materials. This could be a new energy saving fridge, or even solar panels.

BrandGreen featuresApply
QBE logo
  • Green Insurer of the Year 2020 & 2021
  • Environmental upgrades for contents
  • Environmental upgrades for buildings

Get quote

Our Top Pick for Customers Choice - Australian Seniors

Australian Seniors had the highest star rating from all of our partnered brands, 4.7 out of 5. These reviews are based on customers' individual experiences with the company and are reviewed every month.

BrandFeaturesApply
Picture not describedaustralian seniors car insurance
  • 4.7 star rating out of 5
  • Save up to 30% off your policy
  • Underwritten by The Hollard Insurance Company Pty Ltd

Get quote

So how did we choose our Top Picks?

  • 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.
  • The Green Company Top Pick was chosen from the Finder Green Awards.
  • The Customers Choice Top Pick was chosen by the highest rated partnered brand from a survey commissioned by Finder. We review this rating every month.

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.

Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
4.1★★★★★(136)
Budget Direct Home & Contents Insurance
Optional
Annually
Save 30% on your first year's premium when you purchase a new combined Home & Contents insurance policy online. T&Cs apply.
4.0★★★★★(37)
Green Company
QBE Home & Contents Insurance
Annually
Save up to 20% on your first years’ premium with a new combined QBE Home and Contents policy online. T&Cs apply.
3.5★★★★★(6)
Virgin Home and Contents Insurance
Optional
Annually
Purchase a new eligible Virgin Home and Contents Insurance policy online and you'll also save 30% on your first year’s premium. T&Cs Apply.
3.3★★★★★(3)
Qantas Home and Contents Insurance
Optional
Annually
Earn up to 20,000 Qantas Points when you apply. Points awarded will be based on your premium. T&Cs & exclusions apply.
5.0★★★★★(1)
Huddle Comprehensive Home and Contents Insurance
Annually
Save up to 20% on your policy in the first year.
4.3★★★★★(64)
ANZ Home & Contents Insurance
Monthly or Annually
Domain Home Buildings & Contents Insurance
Monthly or Annually
Domain Insure uses property data to help build your quote faster.
4.4★★★★★(16)
Seniors Top Home & Contents Insurance
Annually
Buy online and save up to 30% on a new home and contents insurance policy. T&Cs apply.
3.8★★★★★(4)
Real Top Home and Contents Insurance
Annually
Save up to 20% when you purchase combined Home and Contents online.
4.4★★★★★(58)
Youi Building and Contents Insurance
Annually
Youi Home Insurance takes the time to tailor a premium for you.
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Compare up to 4 providers

living room graphic
Stuck on who to choose? The 3 most popular home insurers on Finder are:
1. Budget Direct
2. Seniors
3. QBE

Based on clicks to active policies from June 2021 - November 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.

SituationBest policyWhy?
home and contents insuranceI own my own home and have filled it with my belongings. There is no strata title for my home.Home and contentsYou'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.

contents insuranceI own my own home but it was sold with a strata title. I have filled it with my belongings.ContentsYour 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.

home building insuranceI own the property but don't keep many belongings there.Home/buildingIf 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.

landlord insuranceI 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.

home insuranceI rent my home and have few belongings and they would be inexpensive to replace.No home insuranceNot 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 December 2021

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

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.
Deal

Get 30% off new policies

Save 30% on your first year’s premium when you purchase home and contents insurance online. T&Cs apply.
Deal

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.
Deal

Earn up to 20,000 Qantas Points with Qantas home insurance

Plus save 15% on your premium when you combine your home and 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.
Deal

Get up to 20% off your first years’ premium with QBE Building and Contents Insurance

Discount is made up of a 10% online discount, and a further 10% for buying a combined policy. T/Cs apply.
Deal

Save up to 20% on a new combined home and contents insurance policy

Discount is made up from a 10% new policy discount (only for the first year), and a further 10% when you opt for a combined policy.
Deal

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.

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

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