An affordable home insurance option available to current and former members of the Australian Defence Force (ADF), as well as reservists, peacekeepers, widows and widowers.
These products offer a balance between low pricing and more features.
7+
Great
Competitive products within their group.
5+
Standard
Usually these products would either have fewer benefits or higher pricing.
0+
Basic
Offering basic cover with limited features or higher pricing.
Finder Score - Home insurance
We crunch eligible home insurance products 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. We assess home and contents, building only and contents only products individually.
Defence Services offers comprehensive cover but unfortunately it isn't very customisable and there are no additional cover options available.
How to make a claim
You can lodge a claim with Defence Services Home Insurance online via its website. Alternatively, you can call 1300 552 662 or email dsh@dva.gov.au.
DSH insurance complaints information
In the 2024-2025 financial year, AFCA received a total of 738 complaints related to DSH's home insurance and home contents insurance. 233 of those were resolved at the registration and referral stage.
FAQs
Defence Services home insurance is home insurance offered only to current and former members of the Australian Defence Force (ADF), as well as reservists, peacekeepers, widows and widowers. It is considered comprehensive and well-priced home insurance.
Defence Services underwrites its own home insurance but its contents insurance is underwritten by QBE.
You can contact SDH insurance online via its website, by calling 1300 552 662, or by writing to GPO Box 9998, Brisbane QLD 4001.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards.
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Coles Home Insurance is convenient and generous with its rewards. Just don’t forget to read the fine print.
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