Huddle Home Insurance

Huddle uses smart AI to handle your claims quickly and donates part of its revenue to environmental causes.

5.0 ★★★★★ (1 review) Write a review

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Our Verdict

  • Huddle uses smart AI to handle your claims.
  • It's good if you want to do your bit for the environment. Huddle donates part of the revenue from its 35,000 subscribers to environmental causes.
  • Its 20% discount isn't market-leading – insurers including Budget Direct, St.George and Westpac all offer more.
Deal

Save up to 20% on a new combined home and contents insurance policy

Discount is made up from a 10% new policy discount (only for the first year), and a further 10% when you opt for a combined policy.

Huddle home insurance cover options

Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Huddle Comprehensive Home and Contents Insurance
Annually
Save up to 20% on your policy in the first year.
Huddle Comprehensive Home Insurance
Annually
Save up to 10% on your policy in the first year.
Huddle Comprehensive Contents Insurance
Annually
Save up to 10% on your policy in the first year.
Huddle Basic Home and Contents Insurance
Annually
Save up to 20% on your policy in the first year.
Huddle Basic Home Insurance
Annually
Save up to 10% on your policy in the first year.
Huddle Basic Contents Insurance
Annually
Save up to 10% on your policy in the first year.
loading

Compare up to 4 providers

What does Huddle home insurance include?

Huddle home insurance offers 3 different policies: combined home and contents insurance, home only insurance and contents only insurance.

Here's a short overview of the main insured events it covers:

All policies come with a basic excess and additional earthquake or flood excess, plus a cooling off period of 14 days, which is slightly shorter than the standard (21 days). You can cancel your policy within this timeframe for a full refund, so long as you haven't made any claims.

An overview of Huddle home insurance features

Check icon

Standard features

A Huddle home insurance policy comes with many standard inclusions you can claim for if an insured event occurs. These include:
  • Removal of debris
  • Fire brigade charges
  • Emergency storage of your contents
  • Emergency accommodation
  • Replacement locks
  • Damage to landscaping
  • Paraplegia or quadriplegia assistance
  • Funeral expenses

plus icon

Optional add-ons

Unlike many other insurers like Budget Direct, Huddle doesn't offer many add-ons. Here's what it has:
  • Portable valuables cover

cross icon

Exclusions

All insurers have exclusions, and Huddle is no different. You won't generally be covered for the following:

  • Bushfire, storm, rainwater or flood which occurs within the
    first 72 hours of the date and time you first purchase this policy
  • Your home being unoccupied for longer than 100 consecutive days
  • Actions of the sea
  • Gradual deterioration, including wear and tear
  • Mould or mildew, wet or dry rot, rising damp or dampness
  • Insects (including termites), birds, wildlife or vermin

Make sure you read Huddle's PDS for a full list of general exclusions. You can also find out more about events home insurance won't cover here.

Huddle home insurance complaints

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July to December 2020. The data explores different underwriters and compares their business size to the number of complaints processed.

When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.

Huddle home insurance is underwritten by The Hollard Insurance Company Pty Ltd. The information also includes data from other insurers The Hollard Insurance Company Pty Ltd underwrites. Here's a quick look at how it did:

  • The Hollard Insurance Company Pty Ltd has a relatively high number of complaints when compared to other insurers.
  • Larger sized competitors like Youi performed better despite having a larger market share.

Bottom line about Huddle home insurance

Huddle home insurance is ideal if you want an environmentally conscious insurer that uses new technology to make claiming easier. If you're simply looking for the biggest available sign-up discount, you might want to look elsewhere.

If you're not yet ready to take out a home insurance policy, you can compare Huddle's policies side-by-side with other providers here.

I want Huddle Home Insurance

FAQs about Huddle home insurance

A note about Huddle home insurance reviews

If you've held or currently hold a Huddle home insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Huddle is right for them. Some reviews are from a survey commissioned by Finder.

More guides on Finder

Go to site