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Moving home insurance

Want moving insurance included in your home insurance? These policies can protect your stuff while it’s in transit.

Home & Contents Insurance
1 - 8 of 13
Name Product AUFHO Finder score
Youi Building and Contents Insurance
4.5/5★★★★★
Best Rated Brand
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
4.5/5★★★★★
Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. It’s good if you want a tailored quote over the phone.
Budget Direct Home & Contents Insurance
4.5/5★★★★★
Best Rated BrandBonusFinder Award Finalist
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
4.5/5★★★★★
Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover and gives you up to 30% off your first year's premium for new combined Home & Contents policies purchased online.
Bendigo Bank Gold Home & Contents Insurance
2.5/5★★★★★
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
2.5/5★★★★★
Our verdict: A good option if you want a well regarded brand. All come with automatic flood cover and let you pay monthly or fortnightly at no extra cost.
QBE Home & Contents Insurance
3.5/5★★★★★
Green CompanyBonus
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
3.5/5★★★★★
Our verdict: Finder's Top Pick for Floods plus cover for other common claims such as fire and theft). Its discount is better than most – 20% off your first year with a combined policy.
Qantas Home and Contents Insurance
4.5/5★★★★★
BonusFinder Award Finalist
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
4.5/5★★★★★
Our verdict: Earn up to 40K Qantas Points for joining by 29 January. Plus save 30% on your 1st year’s premium for purchasing a combined home and contents policy online. T&Cs apply.
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
N/A
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
N/A
Our verdict: Save up to 10% on your policy in the first year.
Honey Home & Contents Insurance
4.5/5★★★★★
Bonus
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
Storm
Fire
Theft
Flood
Accidental Damage (e.g TV falls)
Impact to home (e.g falling trees)
Escaped water (e.g burst pipe)
Portable contents (e.g dropped laptop outside of home)
+ more insured events and other features
4.5/5★★★★★
Our verdict: Honey gives you $250 smart sensors to reduce accidents and estimates your rebuild costs for you. Honey was a finalist for the comprehensive category in this year’s Finder Awards.
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How does home insurance for moving houses work?

If you're moving to a new home, you'll be glad to know you can protect your belongings as you take them from one place to the next.

These are the three main types of cover available:

  • Contents in transit. Transit insurance will cover your personal belongings while you're moving them from your old home to the new one, protecting you if your contents are destroyed by fire or traffic collision on their way to your new home.
  • Accidental damage to contents in transit. This extends contents in transit cover to include protection against accidental damage while you're taking them to the new home (for example, accidentally dropping your TV out of the truck).
  • Cover while you move. If you already have contents insurance, it may offer this type of cover that's perfect for your move. It protects your personal belongings in both of the homes until you're finished moving.

When it comes time to move houses, it's worth checking if your policy already covers any of the above. If it doesn't, you can likely call your insurer and get this cover temporarily added to your policy for a small fee.

Ed Burton's headshot
Expert insight: Why moving insurance really matters

"Moving home is both an exciting and stressful experience, and with so much to manage, it’s easy to overlook insurance. Many people mistakenly believe that all removalists have insurance to cover their belongings during a move. However, this isn’t always the case and can lead to a false sense of security. We strongly advise that anyone moving enquires about specific Goods in Transit Insurance (also known as Moving Insurance) so they’re covered for all eventualities."

CEO, UpMove

Moving house? Here's how different insurers cover this

This cover is available in a few different ways. It's important to understand what each of them means and what limits apply. For details on exactly how your insurer covers these benefits, you should always read the product disclosure statement (PDS).

BrandContents in transit Cover while you move Cover for professional removalistsApply
Budget direct home insurance
Included
Up to 14 days
Not offered
Youi logo
Included
Up to 14 days
Included
A
Included
  • Not stated
  • Not stated
virgin money home insurance
Included
Up to 14 days
Not offered
real home insurance
Top Cover only
Up to 14 days
  • Not stated
Westpac home insurance
Included
Up to 14 days
  • Not stated
St. George home insurance
Included
Up to 14 days
  • Not stated
Kogan home insurance
Included
Up to 14 days
  • Not stated
Coles insurance
Included
Up to 14 days
  • Not stated

Do you have to change your home insurance if you move into a new home?

Most insurers will naturally operate in many places around Australia, so you usually won't need to switch if you don't want to. However, you will need to notify your insurer that you're moving and it will need to agree to insure your new place.

Some insurers can help make your transition smoother by covering both of the homes and your contents while you're moving. If your existing policy offers this, it might be worth it to stick with that until the move is over. It gives you one less thing to think about and there's not much downside since you can cancel your home insurance policy at any time if you find a better deal after the move.

After all, the cover with the most value for money at your old address might not be ideal for your new address.

What if I'm moving overseas?

Most Australian home insurance policies only cover your move if it's to another Australian address. If you need to insure your belongings while they're being shipped overseas, you'll need to get your insurance through your overseas removalist or an insurer that specialises in overseas moving insurance.

Brad Buzzard's headshot
Written by

Writer

Brad Buzzard was a content writer at Finder working across insurance including travel, life, health, business, car, pet and home. Brad brought with him a wealth of experience as a journalist, content writer, social media manager and researcher, being in the industry for almost 2 decades by the time he joined. Before working for Finder, Brad’s expertise could be seen across TLC Marketing, Reborn, DDB Group, We Are Social, Nielsen and Wheeling News- Register, varying across Australia and the United States. See full bio

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