Home and Contents Insurance SA

Getting home insurance in South Australia is simple. All you have to do is compare policy benefits, find a brand that will cater to your needs and get a direct quote. Get many direct quotes if you like.

Home insurance will protect you from a scorching bushfire, a flash flood that came out of nowhere or a break-in that happened when you were out of town. So make sure you're prepared.

Get home insurance for South Australia here

7 of 178 results

Finder Score	Fire, Storm & Theft Damage	Flood	Accidental damage	Escape of Liquid
Promoted Finder score 9.2 Excellent Budget Direct Contents Insurance Most Loved	Finder score 9.2 Excellent		Optional - subject to eligibility	Optional		Get 15% off your first year's premium if you purchase online. T&Cs apply.	Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover. You need to pay extra for flood cover and accidental damage.	Get a quote More info Compare product selection Compare	loading
Promoted Finder score 8.6 Great Youi Building Insurance Most Loved	Finder score 8.6 Great			Optional		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.	Get a quote More info Compare product selection Compare	loading
Promoted Finder score 9.6 Excellent Honey Home & Contents Insurance	Finder score 9.6 Excellent			Optional		Get $250 worth of smart sensors with a combined policy. T&Cs apply.	Our verdict: This policy is ideal for customers looking for reasonably priced coverage across a range of categories.	Get a quote More info Compare product selection Compare	loading
Finder score 9.3 Excellent Budget Direct Home & Contents Insurance Most Loved	Finder score 9.3 Excellent		Optional add-on	Optional		30% off your first year's premium for new combined Home & Contents policies purchased online. T&Cs apply.	Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover.	Get a quote More info Compare product selection Compare	loading
Finder score 9.1 Excellent Qantas Home and Contents Insurance	Finder score 9.1 Excellent		Optional add-on	Optional		Earn up to 40,000 Qantas Points for joining by 28 Jan 2026. Plus save 30% on your 1st year’s premium for purchasing a combined home and contents policy online. T&Cs apply.	Get a quote More info Compare product selection Compare	loading
Finder score 9 Excellent ING Home and Contents Insurance	Finder score 9 Excellent		Optional add-on	Optional		Save up to 30% when you purchase cover online. T&Cs apply.	Get a quote More info Compare product selection Compare	loading
Finder score 9 Excellent QBE Home & Contents Insurance	Finder score 9 Excellent			Optional		Get 20% off your first year with a combined policy. T&Cs apply.	Our verdict: Finder's Top Pick for Floods plus cover for other common claims such as fire and theft.	Get a quote More info Compare product selection Compare	loading

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How we picked these

How we calculate Home insurance Finder Scores

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What different scores mean

9+

Excellent

These products offer a balance between low pricing and more features.

7+

Great

Competitive products within their group.

5+

Standard

Usually these products would either have fewer benefits or higher pricing.

0+

Basic

Offering basic cover with limited features or higher pricing.

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 the 2024 winner and finalist in South Australia.

Most Loved - SA

RAA Home Insurance came in first place in SA, scoring 4.55/5. 97% surveyed with RAA said that the SA-based insurer is a reliable brand.

Loved Brand

Budget Direct Home Insurance

Budget Direct was the second most popular insurer surveyed in SA, scoring 4.33/5. 97% of customers said that Budget Direct is trustworthy.

AAMI Home Insurance

AAMI home insurance ranked in third place in SA, gaining an overall score of 4.27/5. 91% of customers said that Budget Direct is trustworthy.

Why do I need home insurance?

The following are some of the main reasons South Australians need to think about buying home insurance:

• You've spent a lot of money. If you've spent money investing in a house, you don't want to fork out a lot more money if something goes wrong, whether that be a leaky roof or storm damage. Home insurance is an affordable alternative.
• Bad weather. South Australia's coastline has a history of being hit by severe weather. Whether you live near the coast or in regional areas where bushfires are a risk, home insurance can protect you financially from South Australia's weather.
• Protect your contents as well. Home insurance is not just about insuring your building, it's also about insuring your personal belongings and household items. With 15,800 incidents of attempted break-in reported to local authorities, according to the most recent figures, home insurance can protect your possessions from burglars and more.
• Enjoy peace of mind. Once you've found the right home insurance policy, you don't have to worry about unexpected disasters leaving you in financial ruin. Policies protect you against everything from fires and storms to vandalism and burglary, leaving you free to get on with your life without worrying about the future.

Consider this when buying home and contents insurance in South Australia

It can be hard to know what to look for when buying home insurance in SA. These are the things worth considering before you buy a policy.

• What kind of protection do you want? There are three main options: home insurance (sometimes referred to as building-only cover), contents insurance and home and contents insurance.
• Total replacement cover or sum-insured cover? Total replacement cover will restore your home to its original condition before the event that caused the damage, while sum-insured cover reimburses you up to a specified amount limit. The latter is cheaper because it's riskier — you might have to fork out if you undervalue your home.
• What are the main risks where you live? You'll need to decide on the important risks that you want your policy to cover. For example, bushfires can pose a significant threat to properties in rural areas of South Australia, while cover for impact damage caused by falling trees may be essential for other homeowners.

What type of home and contents insurance can I get in SA?

Home insurance
Also known as building-only insurance, this insurance protects the physical structure of your home.

Contents insurance
This insurance protects your valuables from things like damage, theft, floods and storms.

Home and contents insurance
This is a combination of both home insurance and contents insurance in one policy.

How much does home and contents insurance cost in SA?

For an idea of how much home and contents insurance costs for the year in South Australia, check out the price comparison in the graph below.

• Learn about how we got these prices

  • • Quotes were obtained for the same three-bedroom SA home in Goodwood.
    • Building replacement costs for all quotes was $1,000,000, with an excess of $500.
    • Contents were valued at $100,000.
    • Quotes were obtained in November 2021 and were for a combined home and contents insurance policy.
    • Occupied by the home owner who moved into their property in 2019.
    • Three-bedroom, one-story freestanding house on flat ground with brick veneer walls, terracotta tiled roof and built in 1980.

Keep in mind that home insurance costs in South Australia vary depending on a number of factors such as location. For instance, if you live in a flood-prone area or where theft is high, your premiums are likely to be higher.

Similarly, the construction of your home and its value will affect the cost of home insurance since specific building materials are more likely to resist damage and be cheaper to repair. Other factors include the security measures you've taken to protect it and the value of the belongings in your home.

It's also important to be aware that stamp duty applies to South Australian home insurance premiums at a rate of 11%. Make sure you factor this cost into your calculations when working out how much cover you can afford.

What insurers are available in South Australia?

The vast majority of Australian home insurers offer their policies to homeowners Australia-wide. This means South Australian residents can access cover from any of the leading insurers found in the finder.com.au home insurance panel, including the following:

Compare and get a quote

Are there any exclusions and additional costs I should be aware of in South Australia?

Before deciding whether a policy is right for you, make sure you take a close look at the PDS and its list of general exclusions. For example, no cover will be available in the following situations:

• • If your claim is for damage from a bushfire within the first 72 hours of cover
  • If you fail to keep your home in good condition
  • If your home is being extensively renovated
  • If you leave your home unoccupied for a period of 60 days or more
  • If you fail to properly secure your home

_{* The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.}

Frequently Asked Questions

• How much is the average household contents insurance in SA?

  According to Finder research, the average cost of contents insurance in Australia is around $44 per month, though this varies depending on the size, type, age and location of your home.

• Is it worth claiming on home contents insurance?

  Claiming on home contents insurance is worth it if the value of the claim well exceeds your excess and would result in significant financial loss if not covered. For instance, if the claim is worth $2,000 and the excess if $750, then you may consider it worthwhile. If the claim is $1,100 and the excess is $1,000, you may not consider it worthwhile making a claim. This is because every claim you make, no matter how small, increases your 'risk' with the insurer, which leads to increased premiums.

• What is the average value of the contents of a 3 bedroom house?

  The average value of contents in a 3-bedroom house in Australia is typically estimated between $60,000 to $80,000, depending on the quality and quantity of items. You can use online calculators to estimate the value of your home's contents.

• Why is home and contents insurance so expensive?

  Home and contents insurance can be more expensive depending on factors like the location of your property, risk of natural disasters, crime rates, and the value of your home and belongings. Higher coverage limits and additional features also increase premiums. While you can't do much about those factors, you might be able to reduce your premiums by increasing your excess and installing additional safety features.

• Is it cheaper to get home and contents insurance together?

  Yes, bundling home and contents insurance together is often cheaper than purchasing separate policies. Many insurers offer discounts when you combine these two coverages, making it a cost-effective option for comprehensive protection. You can explore cheap home insurance options to find policies that fit your needs.

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 589 Finder guides across topics including:

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