Home and kitchen appliance insurance

Don't wait until something goes wrong. Get appliance insurance through these home and contents policies.

Home Insurance
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Product AUFHO Finder Score Fire, Storm & Theft Damage Flood Accidental damage Escape of Liquid
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Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover and gives you 15% off your first year's premium if you purchase online. You need to pay extra for flood cover and accidental damage.
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Our verdict: Earn up to 30,000 Qantas Points for joining by 2 April. Plus save 30% on your 1st year’s premium for purchasing a combined home and contents policy online. T&Cs apply.
Youi Contents Insurance
Best Rated Brand
Youi Home Insurance logo
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Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. It’s good if you want a tailored quote over the phone.
QBE Home Insurance logo
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Our verdict: It covers essentials such as fire and theft plus comes with some good perks such as security upgrades after a burglary and up to 10% off your first year.
Honey Home Insurance logo
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Our verdict: Honey gives you $250 smart sensors to reduce accidents and estimates the value of your contents. It was also a finalist for the comprehensive category in the Finder Awards.
Kogan Home Insurance logo
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Our verdict: Good comprehensive cover (issued by QBE). Also, get $5 Kogan.com credit when you purchase a new Kogan contents insurance policy online. T&Cs apply.
Huddle Home Insurance logo
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Huddle Home Insurance logo
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Finder Score - Home and Contents Insurance

Each month, we get crunching on most every home insurance product in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster.

Read full Finder Score methodology

What does home and kitchen appliance insurance cover?

Home insurance will give you broader protection than warranties, generally including cover for the following (among other things):

When you're researching policies, check out the upper limits the insurer pays out for appliances, individually and in total, and what the appliances will and won't be covered against.

Some general exclusions to home and kitchen appliance insurance

There can be exclusions to home and kitchen appliance insurance in the following circumstances:

  • An appliance is over a certain age (e.g. 10 years)
  • You use the appliance for business
  • The appliance isn't at the insured address. (If you want to insure a device you take out of the house a lot (e.g. a Nintendo Switch), think about portable contents insurance)

If you only want to insure a few high-value appliances (e.g. if you're renting), you could consider single item insurance.

Optional extras you can add-on to your home and kitchen appliance insurance

Based on what you find – and what you want to insure – you may want to add the following optional extras to your standard policy:

  • Accidental damage cover (e.g. for a cracked TV screen) – this will be included in some standard home and contents policies but not others
  • Motor burnout cover (e.g. for your fridge, TV, dishwasher and clothes washer and dryer)
  • Specified contents insurance (for appliances with values higher than the upper limits the standard policy pays out for them)
To help you calculate the value of your home and kitchen appliances, we'll walk you through an average home so you can see just how much money can actually surround you. It could be worth protecting.

The living room

To get an idea of the value of the appliances people use at home, let's take a room-by-room tour through a family's house (and assume they buy mid-range appliances).

The living room, where some of the highest-value gear is likely to be, is a good place to start. In the living room, you could find the following:

  • TV – $1,500
  • PlayStation or Xbox – $400
  • Sound system/speakers – $1,000
  • Google Nest – $150
  • Streaming media players/services (e.g. Google Chromecast or Apple TV) – $250
  • Smart lights – $300
  • Total – $3,600
living room

When you're insuring your living room appliances, think about whether you need the following extra cover:

  • Accidental damage insurance (because those brand-new Sonos speakers aren't immune to falls)
  • Motor burnout insurance, which can cover motors in various appliances that burn out because of a power surge, lightning or something else.
  • The kitchen

    Let's move into the kitchen, home of high-value whitegoods and cooking helpers:

    • Dishwasher – $1,200
    • Microwave – $350
    • Fridge – $2,000
    • Miscellaneous kitchen appliances (e.g. coffee machine, toaster, blender, juicer, slow cooker, food processor, rice cooker and pasta maker) – $1,500
    • Total – $5,050

    kitchen

    Given the expense of repairing kitchen appliances and the value of what's in their kitchen, this family would be relieved they'd insured it if anything went wrong. If it did, they could even be covered for any food that spoiled in a damaged fridge or freezer.

    Again, motor burnout coverage can give you extra protection in the kitchen in case of motor issues with your dishwasher, fridge or microwave.

    The bedrooms

    In the bedrooms, we could find the following:

    • Air conditioner – $700
    • Laptop – $2,000
    • Smart speakers – $150
    • Kindle – $350
    • Second TV – $850
    • Nintendo Switch × 2 (assuming both kids badgered the parents until they got one) – $900
    • Total – $4,950
    bedroom

    The home office

    We'll assume this office is only used for work, and it's only appliance is a $2,500 desktop computer.

    • Desktop computer - $2,500
    • Total – $2,500

    home office

    The bathroom

    Even the bathroom has its fair share of appliances:

    • Hair straightener – $250
    • Hair dryer – $80
    • Electric shaver – $150
    • Electric toothbrushes × 2 – $350
    • Bathroom heater – $300
    • Heated towel rail – $450
    • Total – $1,580
    bathroom

    The laundry

    In the laundry, you'll find a few high-value appliances:

    • Vacuum cleaner – $650
    • Washing machine (9 kg) – $1,500
    • Dryer – $1,800
    • Total – $3,950
    laundry

    For this family, the total value of their home and kitchen appliances comes to over $20,000 (!).

Frequently Asked Questions

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Travel Insurance Expert

Jessica Prasida brings a decade of experience in the travel industry, including over four years as a travel agent and branch manager at STA Travel. She holds a Bachelor of Business and a Master of Marketing from the University of Technology, Sydney, as well as a Tier 1 General Insurance qualification that complies with ASIC guidelines. An avid traveller herself, Jessica combines her professional expertise with a passion for ensuring safe and enjoyable journeys for all travellers. Jessica was a Travel Insurance Publisher at Finder from 2019 to 2024. See full bio

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