Youi home and content insurance
Budget Direct home and contents
Our home insurance experts sourced a heap of quotes to help you find the cheapest home insurance. It's important to keep in mind though, what's cheapest will vary from person to person. The cost of home insurance depends on many factors including your location, the value of your home and the value of its contents. The below should be used as a guide only.
| Brand | Annual price | |
|---|---|---|
 | $1,126 | More info |
 | $1,242 | Get a quote |
 | $1,254 | |
 | $1,277 | More info |
 | $1,304 | Get a quote |
 | $1,410 | Get a quote |
 | $1,734 | More info |
 | $1,734 | More info |
 | $1,734 | More info |
| $1,741 | Get a quote |
 | $1,858 | Get a quote |
 | $2,516 | More info |
 | $1,953 | Get a quote |
 | $1,705 | More info |
 | $1,614 | Get a quote |
 | $1,863 | More info |
 | $1,899 | More info |
 | $2,138 | More info |
 | $2,550 | |
 | $1,635 | More info |
"Last September, I received my home insurance renewal and I was shocked – my premium shot up from $280/month to $435! I called my insurer, and they said perhaps my risk rating had changed, as I hadn't made any claims or made other changes. The best they could do was to reduce my cover – no thanks?! – to wipe $40 a month off. I compared on Finder and found the same level of cover elsewhere for $240 a month. After the cyclones earlier this year, I suspect I'll be comparing and switching again this year!"
We currently don't have that product, but here are others to consider:
How we picked these
Decide what kind of policy you want: building, contents or both. In most cases, you'll also be asked to calculate your sum insured. This is how much it would cost to rebuild your home from scratch if it was destroyed. Home insurance calculators can help you work this out.
Don't simply accept the first home and contents insurance quote you get. Compare quotes from at least 3 or 4 different insurers – this is quick and easy to do online.
If you can afford to pay your home insurance for the entire year in one go, it's often cheaper.
Plenty of insurers have discounts available. Our tip is to go for insurers who offer a percentage discount over a dollar figure. This is because 15% off your $2,000 bill ($300 discount) is going to be better than just $50 off.
It's very common for insurers to significantly increase prices once you've been with them for a year. Shop around every year and you could save a lot.
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Compare home and contents insurance - our research shows you can save up to $1,653 by switching.