We currently don't have that product, but here are others to consider:
How we picked theseWe crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.
The Finder Customer Satisfaction Awards recognise Australia's favourite brands across a huge number of categories. We survey thousands of real Australians to understand how they feel about their recent product purchases, and use that information to reward the most popular brands.
Here is our 2024 winner and finalists for home insurance in QLD.
Youi Home Insurance came in first place in QLD, scoring 4.42/5. 94% of Australians surveyed said that Youi is a reliable brand. It also scored 4.3/5 for features & benefits and 4.5/5 for both customer service and ease of application.
Loved Brand 
Suncorp home insurance came in second place in QLD, scoring 4.28/5, marginally behind Youi overall. 94% of people surveyed said that they trust Suncorp. It also scored 4.3/5 for customer service, 4.2/5 for features & benefits and 4.3/5 for ease of application.
Suncorp home insurance came in second place in QLD, scoring 4.28/5, marginally behind Youi overall. 94% of people surveyed said that they trust Suncorp. It also scored 4.3/5 for customer service, 4.2/5 for features & benefits and 4.3/5 for ease of application.
Allianz came in third place in QLD. It scored 4.26/5. 94% of people surveyed said said that they trust Allianz.
Allianz came in third place in QLD. It scored 4.26/5. 94% of people surveyed said said that they trust Allianz.
Depending on where you live in QLD, you may find it difficult to find affordable home insurance. Largely, this is due to recent weather events (looking at you, Cyclone Alfred) and historic weather events that have wreaked havoc before. It's also due to the rising cost of building materials and the cost of labour.
When this happens, insurers look at certain postcodes and determine them to be riskier than others. As such, they increase the premium to cover the risk of insuring people in that area.
First up, switch providers.
Recently, there have been reports of people getting a renewal notice that is more than double what they paid for the year prior. Sometimes this happens for good reason — maybe they made an expensive claim —, sometimes this happens because the insurer thinks you'll just autorenew or pay it without questioning the cost.
We call this the loyalty tax. It's when you pay much more than you should be because you stayed loyal when you shouldn't have. Despite what some insurers will tell you, there is no reward for loyalty.
So compare your home insurance options and be prepared to switch providers.
Secondly, if you feel that your home insurance premium is unfairly high and could be a form of price gouging, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA).
For those in Queensland who have experienced a recent climate disaster, like a flood or cyclone, it can be particularly difficult to find house insurance. Not just because it's expensive, but because some insurers are refusing to even give you a quote.
While you can't force an insurer to give you a quote, you can broaden your research.
It's worth noting who the underwriter is for each quote that you get. This is important because all underwriters have a different criteria when it comes to measuring risk. For some underwriters, your postcode might be too risky and they'll refuse cover. For others, it may still be seen as risky but they'll at least offer you a quote, rather than rejecting you from the outset.
So, if you're getting quotes from 5 different insurers but they all share the same underwriter, all 5 will probably reject you.
If you get quotes from 5 different insurers with 5 different underwriters, your chances of finding someone who will at least offer a quote is much higher.
"Last September, I received my home insurance renewal and I was shocked – my premium shot up from $280/month to $435! I called my insurer, and they said perhaps my risk rating had changed, as I hadn't made any claims or made other changes. The best they could do was to reduce my cover – no thanks?! – to wipe $40 a month off. I compared on Finder and found the same level of cover elsewhere for $240 a month. After the cyclones earlier this year, I suspect I'll be comparing and switching again this year!"
| Underwriter | Provider |
|---|---|
| AAI Limited | AAMI |
| AAI Limited | Apia |
| AAI Limited | GIO |
| AAI Limited | Suncorp |
| Allianz Australia Insurance Ltd | Kogan |
| Allianz Australia Insurance Ltd | Allianz |
| Allianz Australia Insurance Ltd | Ansvar |
| Allianz Australia Insurance Ltd | Aussie |
| Allianz Australia Insurance Ltd | Australian Unity |
| Allianz Australia Insurance Ltd | Beyond Bank |
| Allianz Australia Insurance Ltd | COTA |
| Allianz Australia Insurance Ltd | GMCU |
| Allianz Australia Insurance Ltd | Great Southern Bank |
| Allianz Australia Insurance Ltd | HSBC |
| Allianz Australia Insurance Ltd | Hume Bank |
| Allianz Australia Insurance Ltd | IMB |
| Allianz Australia Insurance Ltd | NAB |
| Allianz Australia Insurance Ltd | National Seniors |
| Allianz Australia Insurance Ltd | Over Fifty |
| Allianz Australia Insurance Ltd | St. George |
| Allianz Australia Insurance Ltd | TIO |
| Allianz Australia Insurance Ltd | Westpac |
| Auto & General Insurance Company Ltd | Budget Direct |
| Auto & General Insurance Company Ltd | Qantas |
| Auto & General Insurance Company Ltd | Coles |
| Auto & General Insurance Company Ltd | ING |
| Auto & General Insurance Company Ltd | Ozicare |
| Virgin | |
| Chubb Insurance Australia Limited | Chubb |
| Guild Insurance Ltd | Guild |
| Insurance Australia Limited | Bendigo Bank |
| Insurance Australia Limited | NRMA |
| Insurance Australia Limited | People's Choice Credit Union |
| Insurance Australia Limited | WFI |
| QBE Insurance (Australia) Ltd | QBE |
| Australia Post | |
| QBE Insurance (Australia) Ltd | Defence Service |
| RACQ Insurance Limited | Honey |
| RACQ Insurance Limited | Aldi |
| Bank Australia | |
| RACQ Insurance Limited | Bank of Queensland |
| RACQ Insurance Limited | RACQ |
| The Hollard Insurance Company Pty Ltd | Huddle |
| The Hollard Insurance Company Pty Ltd | Real |
| The Hollard Insurance Company Pty Ltd | ahm |
| Bankwest | |
| The Hollard Insurance Company Pty Ltd | Bupa |
| The Hollard Insurance Company Pty Ltd | CommBank |
| The Hollard Insurance Company Pty Ltd | Everyday |
| The Hollard Insurance Company Pty Ltd | Seniors |
| The Hollard Insurance Company Pty Ltd | Shannons |
| The Hollard Insurance Company Pty Ltd | Seniors |
| The Hollard Insurance Company Pty Ltd | Shannons |
| Youi Pty Ltd | Youi |
If you live north of Rockhampton, you would be familiar with crazy weather conditions that can cause significant damage to your area. Whether it is a tropical cyclone, flooding or heavy storms, these sorts of events could cause you some strife, so finding the right home and insurance for you will help you on your feet again
Many insurers will cover North Queenslanders, but the cost will probably be higher than other parts of Australia, due to the area being high risk for weather damage. It's good to be prepared well ahead of time, as most insurers have a 72 hour period without cover immediately after purchasing. Asking for quotes from a number of insurers will help you compare prices, and some insurers may even match or beat the cost of other companies, which is great for your hip pocket.
You may find an insurance broker helpful to discover a home insurance policy that covers all the intricate details you need for your property in North Queensland. Insurance brokers are the experts in this area, and it's their job to provide insurance advice that's in your best interest, allowing you to make an informed decision and find the policy that's right for you.
As a high-risk zone, there are several severe weather events that you should be covered for if you're living in North Queensland, including loss or damage from cyclones, floods and storms.
Ensure you're covered for these extreme weather events with your home and contents policy, including flood cover. Some policies do not automatically cover this scenario and it may raise your premiums further, but it's one of the most important weather events to protect yourself from in flood-prone North Queensland. Again, this may be where an insurance broker comes in handy, as they will be able to pinpoint items or scenarios that need cover that you haven't thought of. Double check the policy exclusions, and if there's something your excluded that you feel you need, see if you can add it on as an extra before purchasing.
Your policy will most likely cover you for financially for other situations too, including theft, fire, vandalism, explosions and accidental damage.
Due to the frequency of natural disasters, you may find you have to pay more for your premiums. North Queenslanders pay one of the highest premiums for home and contents insurance in Australia because of cyclone risk. As insurers pay out large sums of money for previous events, annual premiums go up.
The below is a rough guide on pricing, based on quotes we got in March 2025. Of course, your own premium will differ based on your own home and personal circumstances. This should be used as a guide only.
| Suburb | Budget Direct | AAMI | QBE |
|---|---|---|---|
| Cairns | N/A | $4,026.39 | $2,892.43 |
| Townsville | N/A | $8,060.56 | $9,857.38 |
| Mackay/Whitsundays | N/A | $6,612.87 | $13,302.24 |
| Rockhampton | N/A | $3,529.54 | $2,111.34 |
| Gladstone | $2,624.79 | $3,675.80 | $3,714.96 |
| Bundaberg | $4,160.67 | $3,751.00 | $8,560.45 |
| Fraser Coast | $5,476.42 | $1,965.24 | $3,119.99 |
Confused about home insurance excess in Australia works? We’ll share how it works and how you can use it to lower the cost of your premium.
Find out how home insurance can cover water damage and how to avoid some of the pitfalls.
How does Kogan home insurance compare? See how it works, and some of the fine print to look out for.
Review of Bank of Melbourne Home Insurance.
Get cover for things like storms, lightning, theft and malicious acts. Choose from 3 levels of cover: essential, quality and premier care.
Access the latest home insurance deals and special offers to save further on your policy.
Find out what renter's insurance is, what it covers and how to find the right policy for your needs.
Follow these steps to find affordable home insurance that won't leave you stranded.
What you need to know about finding the best home insurance for you. Compare policies and learn what questions to ask when researching insurance policies.
Building insurance covers your home structure only, not the contents inside. Learn more about what is covered, what isn’t covered and compare your options today.