Home insurance deals

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Home insurance deals for July 2025

Name Product

Earn up to 30,000 Qantas Points with Qantas Home Insurance

Ends 27 August 2025

Earn up to 30,000 Qantas Points for joining by 27 August. Plus save 30% on your 1st year’s premium for purchasing a combined home and contents policy online. T&Cs apply.


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.


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.


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 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.


15% online discount on home insurance

Save 15% on your first year's premium when you purchase cover online. T&Cs apply.


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.


15% online discount on contents insurance

Save 15% on your first year's premium when you purchase cover online. T&Cs apply.


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 10% off your first years’ premium with QBE Building only Insurance

Discount is for new customers who sign up online. Terms and conditions apply.

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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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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 590 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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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

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7 Responses

    Default Gravatar
    ColleenJune 21, 2025

    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

      AvatarFinder
      TimJune 23, 2025Finder

      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!

    Default Gravatar
    MyraJuly 27, 2024

    Where can I find insurance for a heritage house under repair?

      AvatarFinder
      SarahJuly 29, 2024Finder

      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!

    Default Gravatar
    JohnMay 27, 2024

    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

      AvatarFinder
      AngusSeptember 23, 2024Finder

      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.

    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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