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Home insurance deals

Choose from loads of home insurance deals and spend the savings on something fun.

Home insurance is a significant investment, but you can save a tonne of cash by looking for discounts before settling on a policy. You could use these savings to take out a higher level of cover and get additional protection, or end up with more money in your pocket.

Compare home insurance special offers for July 2024

Deal

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.
Deal

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.
Deal

16% off on your premium for the first year + $10 credit

Expires 4 Aug 2024
Sign up online and get 16% off your policy for the first year plus $10 ongoing monthly credit. T&Cs apply.
Deal

Earn up to 30,000 Qantas Points with Qantas Home

Expires 30 Sep 2024
Earn up to 30K Qantas Points for joining by 30 September. Plus save 30% on your 1st year’s premium for purchasing a combined home and contents policy online. T&Cs apply.
Deal

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.
Deal

Get 10% off when buying Home and Contents Insurance from Australia Post

Save 10% when you buy a combined home and contents insurance policy online from Australia Post. T&Cs apply.

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. By holding multiple insurance policies with an insurer, you can often get additional discounts on secondary policies, including combined or separate home and contents cover.
  • Cheaper policies online. You can get a discount of up to 15% just for buying home insurance online.
  • Security system discounts. If your home is well secured, you don’t need to pay as much for cover.
  • No-claims discounts. As with other types of insurance, you can sometimes receive a discount if you haven’t made a claim for a certain amount of time.
  • 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.
  • Avoid unnecessary claims. By avoiding small, non-essential claims, your premiums won't go up.
  • 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.
  • Good maintenance and weatherproofing. Many home insurance claims are the result of poor maintenance or not having an appropriately weatherproofed home. Reduce your chances of needing to make a claim and keep total costs down by making sure your home has suitable weatherproofing for your area and by fixing small problems before they become big ones.
  • Choose the right sum insured. Your total sum insured is the amount you could claim if you lost everything. If it’s too low then you’re underinsured and if it’s too high then you’re paying too much. Choose the right amount for your needs and consider discounts as a way of either reducing costs or getting additional cover at the same price.

What types of home insurance policies can I get discounted?

The discounts available depend on the insurer and on any limited offers that are present at the time. Based on these factors, you can get deals on the following:

By looking for deals and discounts, you don’t leave yourself unprotected. Almost everyone, no matter what their living situation or insurance needs, can find discounts for their home insurance. If you’re paying full price for your cover, it might be time for a change.

Compare the latest home insurance deals and discounts

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Editor, Insurance & Innovations

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

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Gary Ross has written 730 Finder guides across topics including:
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One Response

    AvatarFinder
    SarahMay 14, 2024Finder

    Hi Amy,

    Your best bet is to contact the Housing Authority and ask for assistance. Their contact details are here.

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