Guild Home Insurance review

Although Guild does have some market-leading benefits, it was also one of the most expensive policies we compared.

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Guild Home Insurance

Our verdict

Pros

  • Choose from two levels - essentials and elite - for a policy that best suits your needs.
  • Guild's Elite level is one of the most comprehensive policies on the market.
  • Guild has a strong complaints record, better than many other brands of its size.

Cons

  • Of the 47 policies we compared, Guild Elite Home Insurance was the second most expensive.
  • Guild doesn't offer any discount for buying online or bundling policies.
  • There's no cover for storm surges, which leaves some coastal homeowners at risk.

Price

Guild was one of the most expensive home insurance providers we compared in our analysis, with an average quote price of just under $3,674. In comparison, the average quote price across all 47 policies compared was $2,780.

ProviderAverage costApply
Guild logo$3,673.91
Budget Direct Logo$1,784.72
QBE Logo$2,194.16
AAMI Logo$1,538.56
Youi logo$3,017.43

Methodology

Compare Guild home insurance policies

Name Product AUFHO Building Cover Contents Cover Accidental damage Sum Insured Safeguard Online Discount Cheapest way to pay
Guild Elite Home & Contents Insurance
Guild Home Insurance logo
Monthly or Annually
Guild Essential Home & Contents Insurance
Guild Home Insurance logo
Monthly or Annually
Guild Elite Building Insurance
Guild Home Insurance logo
Monthly or Annually
Guild Essential Building Insurance
Guild Home Insurance logo
Monthly or Annually
Guild Elite Contents Insurance
Guild Home Insurance logo
Monthly or Annually
Guild Essential Contents Insurance
Guild Home Insurance logo
Monthly or Annually
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What additional cover options are available?

Guild only offers one optional cover - specified personal property, under the home contents policy. This cover is intended for any items worth more than $2,500 per individual item, pair or set, or more than $15,000 in total.

How to make a claim

To make a claim on your Guild home insurance policy, head to the Guild website and follow the steps provided. If you need help with your online claim, you can call 1800 810 213.

Guild home insurance complaints information

The Australian Financial Complaints Authority (AFCA) received 13 home building insurance complaints and fewer than 4 home contents insurance complaints about Guild in the 2023/24 financial year. In comparison, RAA Insurance - another medium sized insurer - was the subject of a combined 145 complaints for home and contents insurance.

FAQs

Nicola Middlemiss's headshot
Journalist

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. See full bio

Nicola's expertise
Nicola has written 242 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance

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