Home insurance deals

Home insurance deals for February 2026

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Get up to 10% off your first year’s premium Get up to 10% off your first year’s premium, and $10 monthly Kogan.com credit (valid on $100+ purchases) with new online Home & Contents Insurance. T&Cs apply. Get deal Get deal		loading Fetching your data...
30% online discount on new home and contents insurance Receive 30% off your first year's premium when you purchase a new combined home and contents insurance policy online. T&Cs apply. Get deal Get deal		loading Fetching your data...
Earn up to 35,000 Qantas Points with Qantas Home Insurance Ends 01 April 2026 Earn up to 35,000 Qantas Points for joining by 1 April 2026. Plus save 30% on your 1st year’s premium for purchasing a combined home and contents policy online. T&Cs apply. Get deal Get deal		loading Fetching your data...
Get 10% off your first years’ premium with QBE Contents only Insurance Discount is for new customers who sign up online. Terms and conditions apply. Get deal Get deal		loading Fetching your data...
Receive $250 worth of smart sensors with Honey Home Insurance Get free smart sensors (valued at $250) to install around your home when you sign up for a combined home and contents policy. T&Cs apply. Get deal Get deal		loading Fetching your data...
Save up to 10% on a new combined home and contents insurance policy Get 10% off your first year's premium when you purchase a new combined home and contents insurance policy online. T&Cs apply. Get deal Get deal		loading Fetching your data...
Get up to 20% off your first year's premium with QBE Building and Contents Insurance Discount is made up of a 10% online discount, and a further 10% for buying a combined policy. T&Cs apply. Get deal Get deal		loading Fetching your data...
15% online discount on home insurance Save 15% on your first year's premium when you purchase cover online. T&Cs apply. Get deal Get deal		loading Fetching your data...
Save 10% when you buy a combined Home & Contents policy Receive 10% discount when you purchase a new combined home and contents insurance policy online. T&Cs apply. Get deal Get deal		loading Fetching your data...
15% online discount on contents insurance Save 15% on your first year's premium when you purchase cover online. T&Cs apply. Get deal Get deal		loading Fetching your data...
30% online discount on new home and contents insurance Receive 30% off your first year's premium when you purchase a new combined home and contents insurance policy online. T&Cs apply. Get deal Get deal		loading Fetching your data...
Get 10% off your first years’ premium with QBE Building only Insurance Discount is for new customers who sign up online. Terms and conditions apply. Get deal Get deal		loading Fetching your data...
15% online discount on contents insurance Save 15% on your first year's premium when you purchase cover online. T&Cs apply. Get deal Get deal		loading Fetching your data...
15% online discount on home insurance Save 15% on your first year's premium when you purchase cover online. T&Cs apply. Get deal Get deal		loading Fetching your data...

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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

• What is the cheapest home insurance?

  According to 2025 Finder research, AAMI offers some of the cheapest home and contents insurance. However, this should be used as a guide only - your own quote will depend on your suburb, home and other personal details.

• Who has the best home insurance?

  2025 Finder research found that AAMI has some of the best value home insurance, while Australia Post has some of the best coverage home insurance. Basically, that means AAMI offers a lot for a competitive price while Australia Post is better for those who want a really comprehensive policy and are happy to pay a bit more for it.

• What types of home insurance deals are commonly available in Australia?

  In Australia, common home insurance deals include percentage discounts (e.g., 10% off your first year's premium), multi-policy discounts when bundling home and car insurance, online application discounts and sometimes limited-time cashback offers or gift cards. Some insurers also offer loyalty discounts for renewing customers, although new customer offers are often more prominent.

• How often do Australian home insurance providers offer new deals?

  Home insurance providers in Australia frequently update their deals, with new offers often emerging seasonally, around major holidays or at the start of a new financial year. It's common for insurers to have ongoing promotional offers, but specific, time-limited deals can appear throughout the year, making it worthwhile to compare regularly.

• Can existing home insurance customers get a deal, or are offers typically only for new customers?

  While many of the most attractive deals are designed to entice new customers, existing customers in Australia can sometimes secure better rates or loyalty discounts by contacting their current insurer directly, especially at renewal time. Comparing your existing policy with current market offers from other providers can also give you leverage to negotiate or find a better deal elsewhere.

• What factors should I consider when comparing home insurance deals beyond just the price?

  When comparing home insurance deals in Australia, it's crucial to look beyond just the discounted price. Consider the level of coverage offered (e.g., accidental damage, flood, earthquake), the excess amount you'd pay in a claim, specific exclusions, policy limits for valuable items and the insurer's claims service reputation. A cheaper deal might mean less comprehensive cover or a higher excess, which could cost more in the long run.

• Are there specific exclusions or limitations commonly associated with cheaper home insurance deals?

  Yes, cheaper home insurance deals in Australia can sometimes come with specific exclusions or limitations. These might include higher excesses on certain claims (e.g., flood or bushfire), lower limits for valuable contents, fewer optional extras included as standard (like pet damage or motor burnout), or stricter requirements regarding home security. Always review the Product Disclosure Statement (PDS) carefully to understand the full terms and conditions.

• How can I ensure I'm eligible for the best home insurance deals?

  To improve your eligibility for the best home insurance deals in Australia, consider factors like improving home security (e.g., installing alarms or deadlocks), increasing your excess (which lowers premiums but increases out-of-pocket costs at claim time), bundling multiple insurance policies with the same provider and maintaining a good claims history. Always provide accurate information to get a precise quote tailored to your circumstances.

• Is it always beneficial to switch home insurance providers for a new deal?

  Switching home insurance providers for a new deal can often save you money, but it's not always beneficial for everyone. You should weigh the potential savings against factors like losing any loyalty benefits or no-claims bonuses with your current insurer, the administrative hassle of switching and ensuring the new policy offers comparable or better coverage. Always ensure there are no gaps in your cover during the transition.

Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 577 Finder guides across topics including:

• Health, home, life, car, pet and travel insurance
• Managing the cost of living

Co-written by

Peta Taylor

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio