Home insurance deals
Choose from loads of home insurance deals and spend the savings on something fun.
Key takeaways
- Many insurers offer 10-30% off your first year for new online home insurance policies.
- Bundle policies, increase your excess or pay annually to further reduce premiums.
- Compare coverage and terms, not just price and consider negotiating with your current insurer.
Home insurance deals for October 2026
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How we picked these
What other types of discounts can I get on home insurance?
Before choosing an insurer, check which of the following discounts you may be eligible for:
- Multi-policy discounts. Often, insurers will offer a discount if you hold more than one policy with them. This can be great if you're also in need of car insurance.
- Cheaper policies online. You can get a discount just for buying home insurance online.
- Seniors’ discounts. Over 55s and pensioners can sometimes get a seniors’ discount.
How else can I save on cover?
Discounts aren't the only way you save on your home insurance. You can:
- Opt for a higher excess. Most insurers will lower premiums in exchange for a higher excess.
- Pay annually. This is often cheaper than paying monthly. If you can’t pay your premium all at once, it’s worth looking for an insurer that offers monthly, fortnightly or other payment schedules at no extra cost.
- Call your insurer to negotiate on price. Most insurers are more interested in keeping you as a customer, particularly if you have no claims history, so they'll often lower your premium if you just ask.
FAQs
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Bought and have lived in a Duplex now 15 years was told it was Strata title now GIO tell me they don’t cover these it is a 3 bedroom Duplex it is completely separat to one that is next door we have dividing fences and separate driveways no common areas and no Body corporate. So do you insure these for building if an accident or fire happens?
Hi Judith, You can compare home insurance policies in our main guide. Many brands will cover duplexes, but if you do have a particularly complex title setup, you might prefer to work with an insurance broker.
I received my home insurance policy & I would like to find out if my discount has been taken into account as I cannot see it on my policy.
Also I was wondering what the difference in price would be if I paid ins policy each month as I am a pensioner instead of a lump yearly sum.
Thank you Colleen
Hey Colleen, thanks for your question.
Without seeing your bill in front of my I won’t be able to give you a definitive answer – that said, I know my home insurance policy lists any discounts as a line item on my bill. However, every insurance company does things a little differently, so it’s possible your discount is still being applied. As for monthly versus yearly discounts, many insurers will give you a discount for paying a year in advance, but it’s not a given.
In both cases, your best bet is to give you insurance company a call directly and see what the best course is. It’s also a good idea to ask them if there are any other discounts they can offer, especially if you come to them with cheaper quotes from other insurance companies. Even if you have no plans to switch insurers, telling them that there are cheaper quotes out there sometimes is all the nudge they need to give you a better price.
Best of luck!
Where can I find insurance for a heritage house under repair?
Hi Myra,
If the home is registered as a local heritage listing and the repairs are minor, that might be quite straightforward to arrange insurance. If the home is registered as heritage at a state level, the expectations and rules around upkeep of the home can be more stringent. Because this is a specialist home and situation, you might be best off approaching an insurance broker to find you suitable insurance.
Hope this helps!
What will it cost to insure my house with a granny flat.
They are both two stories.
I have only made a claim for the ceiling that broke up in the garage
Hi John, The cost will depend on your location, the size and age of the house, and other factors. You can compare what’s on offer from home insurers and then seek a quote to get a more precise figure.
Hi Amy,
Your best bet is to contact the Housing Authority and ask for assistance. Their contact details are here.