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Home insurance WA

Prices can vary by over $500 a year, so it pays to compare home insurance in WA.

If you live in Western Australia, you're used to preparing for extreme weather — but if you want to equip yourself financially, it's worth comparing WA home insurance as well. It can protect your home and all your belongings should a storm, bushfire or other insured event damage or destroy it.

Compare policies for home insurance in WA

1 - 6 of 18
Name Product Finder Rating
Finder AwardBonus
  • 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 best value home insurer of 2022 got a 4.5 rating because of its low-cost cover and you can get up to 30% off your first year for new combined policies purchased online. Some policies cover more though – you need to pay extra for flood cover and accidental damage.
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. It scored a 4.5 rating because it was the cheapest insurer out of 30, according to our research. It’s good for phone and online support – but mainly just covers the essentials.
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: A very good policy if you want maximum protection for your home – it covers more than most, including environmental upgrades, storm surges and floods. Its overall rating is pulled down because it tends to cost more than budget brands.
Honey Home & Contents Insurance
4.5/5★★★★★
Finder AwardBonus
  • 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 scores highly for both price (4.5) and features (4). It covers the essentials – flood, fire, storm – and more such as underinsurance cover. It also gives you $250 smart sensors to reduce accidents and it takes 3 minutes to get a quote by estimating rebuild costs for you.
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
3.5/5★★★★★
Our verdict: Covers common claims such as fire, storms, floods and rain. It’s also very helpful if you need to rebuild following a disaster. It offers a special safeguard of up to 30%.
Kogan Home & Contents Insurance
3/5★★★★★
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
3/5★★★★★
Our verdict: Scores very highly for features but less so for price. However, you get a 12% discount off your first year plus $100 Kogan.com credit T&Cs apply.
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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 2021/2022 winner and finalist in Western Australia.

Home insurance brand WA

Home insurance brand - WA: RAC Home Insurance

Finalists

Why do I need home and contents insurance in WA?

No matter where you live, it's worth having home insurance. But for anyone living in Western Australia, there are a few more reasons why home insurance is particularly important.

  • WA's wild weather. From May to October every year, tropical cyclones, storms, severe thunderstorms and huge hailstones are common across Perth and Western Australia, especially in the state's southern half.
  • Western Australia is the second most-burglarised state in Australia. 20% of all burglaries that took place in Australia occurred in WA, according to most recent statistics. Replacing goods and repairing damages can be costly.
  • Bushfire season. As global temperatures rise, bushfires are becoming increasingly common in areas of Western Australia that have never been affected before. Home and contents insurance can protect you if your home is destroyed or damaged by bushfires.
  • Homes are expensive, so it's important to protect them. Perth may be one of the more affordable cities for houses in Australia, but your home is still your most expensive asset. Unless you can afford to rebuild your home from scratch, it's worth getting home and contents insurance in WA.

Aside from issues that are unique to WA, home and contents insurance can help whenever accidents happen, from spilling paint on your new carpet to dropping your favourite antique vase. Plus, if your home is ever deemed unlivable, you won't have to rely on family or friends to give you a spare room. Home insurance provides emergency accommodation.

What's covered by home insurance in Western Australia?

Every home insurance policy is different, so it's important to read your product disclosure statement (PDS) carefully. However, some common inclusions are:

  • Damage due to fire
  • Theft or attempted theft
  • Storms and rainwater damage
  • Escape of liquid
  • Malicious damage or vandalism
  • Impact (such as a falling tree)
  • Broken glass, ceramics and sanitary fixtures
  • Lightning
  • Explosion
  • Earthquake or tsunami

Compare types of home insurance in WA


Home insurance

Building-only insurance
Also known as home insurance, covers damage to the physical structure of your home.


Contents insurance

Contents insurance
Protects your belongings from unexpected damage, theft, vandalism, storms, etc.


Home and contents insurance

Home and contents insurance
A policy that combines cover for the building of your home and your valuables.

How much does home insurance cost in Western Australia?

Home insurance costs in Western Australia vary depending on a number of factors like where you live, the value of your home and its contents, as well as how secure your home is. As an indication of how much it can cost though, check out the price comparison graph below.

In Western Australia, home and contents insurance policies attract stamp duty at a rate of 10% of the premium amount. Remember to include this cost in your calculations when deciding whether a policy is affordable.

What home insurers are available in Western Australia?

Most of Australia's home insurers offer cover in all Australian states and territories. These include:

What isn't covered by home insurance in WA?

You should read your PDS carefully, to make sure you're aware of any exclusions that apply. They'll be different for each insurer, but lots of companies won't offer you cover if:

  • Your home is left unoccupied for more than 60 days
  • You fail to properly secure your home
  • Your home is used for business purposes
  • You don't maintain your home in a reasonable state
  • You don't take reasonable steps to prevent loss or damage

Why you can trust Finder's home insurance experts

free

We're free

You pay the same as buying directly from the home insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

We've researched and rated dozens of policies as part of our Finder Awards. We provide unique insights and our in-house experts regularly appear on Sunrise, 7News and SBS News.
independent

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.
help

We're here to help

Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Picture: GettyImages

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