Compare home insurance in WA

Home insurance details for Western Australians, including example quotes and customer satisfaction information.

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Key takeaways

  • Finder research shows the average cost of home insurance in WA is $2,176 annually.
  • Prices vary hugely between insurers so it really pays to compare.
  • While premiums are hiking, there are still ways to save.

Compare home insurance in WA

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Finder Score Fire, Storm & Theft Damage Flood Accidental damage Escape of Liquid
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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.
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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.
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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.
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Budget Direct Home Insurance logo
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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.
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Qantas Home Insurance logo
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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.
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ING Home Insurance logo
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Save up to 30% when you purchase cover online. T&Cs apply.
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QBE Home Insurance logo
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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.
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Finder Score - Home Insurance

We 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.

Read the full methodology

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 Western Australia.

Most Loved - WA

Most Loved - WA badge
Allianz Home Insurance logo

Allianz Home Insurance is the winner in Western Australia. It scored 4.44/5 overall. 94% of people surveyed said they trust Allianz.

Loved Brand badge Loved Brand

RAC Home Insurance

RAC home insurance came in second place in Western Australia, scoring 4.34/5. 94% of people surveyed said RAC is reliable.

CommBank Home Insurance

CommBank came in third place in Western Australia, scoring 4.25/5. 91% of people surveyed said they trust this provider.

Cheap home insurance in WA

Our home insurance experts gathered a heap of home and contents insurance quotes for our 2025 Finder Awards. Here's the top 5 cheapest quotes we found using a WA home address.

Keep in mind, this quote is based on a specific home profile and your own quote will differ based on your home and your needs. This should be used as a guide only.

ProviderAnnual cost
AAMI$1,206
Budget Direct$1,431
Suncorp$1,432
Virgin$1,445
Ozicare$1,468

To learn more about the profiles used to collect these quotes, read our home insurance methodology.

How to save our your home insurance premium

Home insurance premiums are on the rise and Western Australia is not immune to these price hikes. Thankfully, there’s still a few levers left to pull.

Peta Taylor's headshot
Our expert says

"These are my top 3 practical tips to finding a cheaper home insurance policy:

  1. Compare at least 5 different home insurance policies. This will give you the knowledge and confidence to negotiate a better deal.
  2. Get on the phone.. Talk to your existing insurer and tell them your renewal notice is outside of your budget. Often, they'll drop the price immediately if they think they're going to lose you.
  3. Look for sign up deals and discounts. I've seen insurers offer as much as 30% off for new customers — that could mean hundreds of dollars in savings."
Peta Taylor's headshot
Publisher of Insurance

Award winning home insurance in WA

Every year, Finder surveys hundreds of Australians to find out how they feel about their current home insurer. We ask them to score their insurer out of 5 for the following areas:

  • Trustworthiness and reliability
  • Customer service
  • Features and benefits
  • Ease of application
  • Value for money

Here’s what the people of Western Australia had to say about their home insurance providers.

CategoryWinnerOverall scoreRunner upOverall score
Most lovedAllianz home insurance4.44/5RAC home insurance4.34/5
Top valueAllianz home insurance4.26/5RAC home insurance4.16/5
Most trustedAllianz home insurance4.64/5RAC home insurance4.61/5
Legendary serviceAllianz home insurance4.41/5RAC home insurance4.39/5

View all the winners and runners up for our Finder Home Insurance Customer Satisfaction Awards.

FAQs

Sources

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Written by

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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2 Responses

    Default Gravatar
    VanessaApril 12, 2018

    I want to change all my insurances over. Who can get quotes for me. I can email all old policies.

      Default Gravatar
      NikkiApril 12, 2018

      Hi Vanessa,

      Thanks for your message and for visiting Finder.

      You may have to contact your insurance provider to change/cancel all your insurances.

      As a guide you may use the following pages:

      Cancel your car insurance
      Cancel your life insurance
      Cancel your health insurance

      If you are looking to switch providers, you can request quotation from different brands on the following guides:

      Switching life insurance policies
      Switching car insurance
      Switching your health insurance

      You can also seek assistance from an insurance broker that can help you navigate the complex world of insurance and give you a range of options.

      Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      Hope this helps! Feel free to message us anytime should you have further questions.

      Cheers,
      Nikki

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