Who has the most affordable home insurance in Western Australia?

Finder research shows that AAMI offers cheap home insurance in Western Australia. However, it's important to note that this research was conducted using a specific home profile and your own quote will differ based on your home, personal profile, suburb and more. This should be used as a guide only.

How much does the average household contents insurance cost?

The average cost of contents insurance in Australia is around $250 to $500 annually, depending on the coverage, location, and value of belongings.

Is it cheaper to combine home and contents insurance?

Combining home and contents insurance can be a savvy way to save, with discounts of up to 15% often available. However, these savings typically only apply to the base premium and not to additional charges like GST, stamp duty, or levies, meaning your overall reduction may be less than expected. Whether you decide to bundle or opt for separate policies, taking the time to compare at least three different quotes can help you avoid overpaying and find the coverage that fits your needs.

Home insurance in WA: Compare quotes online

Are you the:

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

7 of 195 results

Finder Score	Fire, Storm & Theft Damage	Accidental damage	Escape of Liquid
8.7 Great Youi Building and Contents Insurance	8.7 Great		Optional	Our verdict: With a a range of options available, Youi Building and Contents Insurance is a great pick for homeowners who are after a policy that allows them to find cover to suit their needs.	Get a quote View details Compare product selectionCompare	loading
9.4 Excellent QBE Home & Contents Insurance	9.4 Excellent		Optional	Discount: 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 View details Compare product selectionCompare	loading
9 Excellent Budget Direct Contents Insurance	9 Excellent	Optional	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 View details Compare product selectionCompare	loading
9.4 Excellent Coles Combined Home & Contents Insurance	9.4 Excellent	Optional	Optional	Discount: Save up to 30% (15% Online + Up to 15% Combined) off your first year's premium when you take out a new Combined Home & Contents Insurance policy online. T&Cs apply.	Our verdict: This covers what you'd expect in a home and contents policy; fire, storm and theft. There are plenty of optional extras available for those who'd like more thorough coverage.	Get a quote View details Compare product selectionCompare	loading
9.3 Excellent Budget Direct Home & Contents Insurance	9.3 Excellent	Optional	Optional	Discount: Up to 30% (15% Online + Up to 15% Combined) off your first year's premium for a new combined Home and Contents policy purchased online. T&Cs apply.	Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover.	Get a quote View details Compare product selectionCompare	loading
9.2 Excellent Qantas Home and Contents Insurance	9.2 Excellent	Optional	Optional	Bonus points offer: Earn up to 35,000 Qantas Points for joining by 25 November 2026. Plus save up to 30% on your 1st year’s premium - 15% when you take out a new policy online, and up to 15% when you combine home and contents. T&Cs apply.	Get a quote View details Compare product selectionCompare	loading
8.5 Great Kogan Home & Contents Insurance	8.5 Great		Optional	Discount: Get up to 10% off your first year's premium when you apply online and $10 monthly Kogan credit (valid on $100+ purchases) for active policyholders. T&Cs apply.	Get a quote View details Compare product selectionCompare	loading

Showing 7 of 27 results

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

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 4 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.

Provider	Annual cost
AAMI	$1,206
Budget Direct	$1,431
Suncorp	$1,432
Ozicare	$1,468

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

How to save on your home insurance premium

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

Our expert says

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

Compare at least 5 different home insurance policies. This will give you the knowledge and confidence to negotiate a better deal.
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.
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

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.

Category	Winner	Overall score	Runner up	Overall score
Most loved	Allianz home insurance	4.44/5	RAC home insurance	4.34/5
Top value	Allianz home insurance	4.26/5	RAC home insurance	4.16/5
Most trusted	Allianz home insurance	4.64/5	RAC home insurance	4.61/5
Legendary service	Allianz home insurance	4.41/5	RAC home insurance	4.39/5

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

FAQs

Combining home and contents insurance can be a savvy way to save, with discounts of up to 15% often available. However, these savings typically only apply to the base premium and not to additional charges like GST, stamp duty, or levies, meaning your overall reduction may be less than expected. Whether you decide to bundle or opt for separate policies, taking the time to compare at least three different quotes can help you avoid overpaying and find the coverage that fits your needs.

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

Written by

Peta Taylor

Publisher of Insurance

Add to Preferred Sources

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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4 Responses

HaydenDecember 24, 2025

I’m trying to find a more affordable home and contents insurance for my home on 20 acres in Mountain Helena.
I’m finding that most insurance companies don’t insure a house on 20 acres.

Finder

AngusDecember 26, 2025Finder

Hi Hayden, You might want to explore farm insurance options, which can be customised to deal with larger properties.

VanessaApril 12, 2018

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

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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Compare home insurance in WA

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