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One of Australia’s largest insurance brands, Budget Direct offers a suite of home insurance policies to its customers. Having insured more than 1.5 million Australians since 2000, Budget Direct Home Insurance offers policies underwritten by Auto & General Insurance Company Limited. Customers can choose from Home Insurance, Contents Insurance, Home & Contents Insurance, and Landlord Home & Contents Insurance and Renters Insurance. Keep reading to find out more about Budget Direct Home Insurance.
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Budget Direct Home Insurance Deals
30% online discount on new home & contents insurance
Receive 30% off combined smart home and contents insurance when you purchase cover online.
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Budget Direct Home Insurance is designed to protect your most important and valuable asset. This policy protects your building against fire, explosion, theft, malicious damage and many more risks. The sum insured amount is adjusted at every renewal and Budget Direct Home Insurance offers a 24-hour online claims notification system.
Budget Direct Home Insurance protects your building against loss or damage caused by:
If you want to protect your treasured possessions and valuables, Budget Direct Contents Insurance can help. It covers your belongings against loss or damage caused by fire, explosion, theft, storm, impact and many more. The sum insured is automatically updated each time you renew your policy.
This policy option covers your possessions against:
If you combine Budget Direct Home Insurance with Contents Insurance and purchase a policy online, you can enjoy a discount of 30%. This means you can protect your home and your most valued belongings against everything from fire and theft to storm and explosion damage, while available options include flood, accidental damage cover, personal effects cover and motor burnout cover.
Budget Direct Home & Contents Insurance protects your building and your belongings against all the events mentioned above, plus it also provides legal liability cover.
If fire, theft or storm damage a property your Budget Direct Landlord Covers can offer the financial protection you need. It also covers loss of rent if your home is not fit to live in following an insured event, plus optional extras include tenant default cover and protection against theft and malicious damage by tenants.
This policy is designed to protect a rental property owned by a landlord. It protects the property against:
| Benefit | Home & Contents | Home Insurance | Contents Insurance |
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| Accidental breakage of glass, ceramic & sanitary fixtures |
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| Contents while moving address |
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| Credit card cover up to $1,000 |
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| Debris removal and extra costs of rebuilding |
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| Earthquake cover |
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| Escape Of liquid |
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| Explosion cover |
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| Fire cover |
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| Funeral expenses up to $7,000 |
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| Impact cover |
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| Lightning cover |
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| Lump sum or instalment payments |
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| Malicious damage, vandalism, riot or civil commotion |
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| Mortgage discharge costs |
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| Open air contents cover - contents in the open at the insured address |
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| Replacement of locks up to $500 |
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| Storm & rainwater damage |
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| Temporary accommodation costs |
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| Theft or attempted theft |
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| Unattached equipment cover up to $500 |
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| Uninsured guests' contents cover up to $500 |
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| Up to $20 million legal liability cover |
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Optional Benefit | |||
| Accidental damage cover |
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| Choice of excess options |
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| Landlord - tenant default cover |
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| Landlord - theft and malicious damage by tenant cover |
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| Motor burnout cover |
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| Personal effects cover |
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| Sum insured safeguard |
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| Flood cover |
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Your Budget Direct Home Insurance claim will not be paid if:
A number of factors can influence the cost of your Budget Direct Home Insurance premium, including:
In the insurance world, an excess is the amount you have to pay to contribute towards the cost of a claim. Depending on the cover you have in place, one or more excesses may apply to your Budget Direct Home Insurance policy. For example, you may have selected a higher excess in order to reduce your premium. In any case, the excesses that apply to your individual policy will be listed on your certificate of insurance.
If your home or contents suffer loss or damage, or if an incident occurs which may lead to a claim, there are certain steps you will need to follow. First, take all reasonable steps to prevent any further loss or damage occurring. Any incidents involving theft or malicious damage should also be reported to the police.
Next, contact the underwriter as soon as possible to provide the full details of your claim. If asked, you’ll need to provide evidence of the value or your ownership of the items or property that have been lost, stolen or damaged. You’ll need to give the underwriter the opportunity to inspect the damaged goods or property and will have to supply any other information or documentation they request in order to process your claim.
Do you offer renters insurance for a situation where I share my house with tenants?
Hi Louise,
Thank you for getting in touch with finder.
Insurers like Budget Direct offer renter’s insurance for shared accommodation. You may see other brands that offer this type of home insurance on this page.
I hope this helps.
Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni
Dear sir/madam,
I am looking to insure a family home that was built in 2000, in Sunshine West, Vic, 3020. I have been insured with API Insurance for the last 10 years and have not claimed for anything for over 10 years. Recently APIA increased the premium to $55 a month, I decided to look for a home insurance at a cheaper rate with any suitable insurance agent.
Your help in recommending a cheaper and reasonable home insurer is appreciated.
With kind regards,
G. Seifu
Hi G!
Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?
Ideally, it’s good to continue with the insurance company you’re with at the moment since you’ve been with them since 2000.
Please note that we’re a product comparison website and we hold no affiliation with any company we feature on our site. We provide general information on products to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.
Just the same, here is the page to look for cheap home insurance.
Hope this helps! Feel free to message us anytime should you have further questions.
Regards,
Nikki
I looking a home insurance
Hi Faiyaz,
Thanks for getting in touch with finder. As I read, you mentioned that you are looking for a home insurance. Would you mind letting us know exactly how we can help you further?
Thank you.
Cheers,
Jeni
i simply want to buy landlord insurance with content $30,000. The insurance must strongly protect if lost rent payment by tenant. Because i have already have insurance with RACV building and content. The property will be renting out on 23/9/2017
Hey Joyce,
Thank you for reaching out to us.
You may find useful information on this page on Landlord Insurance.
Once you’ve chosen an insurer, you may click on “Go to site” to be directed to their page where you can start your request for a quote.
As finder is an online comparison service and is not an insurer, we do not represent any of the companies featured on our pages. It would be best to get in touch with the insurer directly to clarify the details provided in their quote.
I hope this helps.
Best,
Maria
Can I have your contact number I would like to speak to a consultant
Hi Barbara,
Thanks for getting in touch. If you would like to reach Budget Direct you can call them on 1800 182 310.
All the best,
Richard
does a claim on optional extras count on your having made a claim in the last 5 years
Hi Colin,
Thanks for your question. finder.com.au is a comparison service and not an insurer. According to the Budget Direct website:
“You will not lose your No Claims Discount on renewal if:
For other claims, Budget Direct will reduce your NCD on renewal by 2 years for each claim, and your insurance cost may increase accordingly.”
I hope this was helpful,
Richard