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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

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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.
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Compare home insurance policies below

1 - 8 of 33
Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Budget Direct Home & Contents Insurance
Save 30% on your first year's premium when you purchase a new combined Home & Contents insurance policy online. T&Cs apply.
Youi Building and Contents Insurance
Get a 20% discount on your contents insurance if you have a car insurance policy with Youi. Excludes NSW & SA CTP green slips. T&Cs apply.
Honey Home & Contents Insurance
Monthly or Annually
Sign up and get free smart sensors (worth $250) to install around the home for accident prevention. T&Cs apply.
Bendigo Bank Home & Contents Insurance
Buy a new home or landlord insurance policy by 30 June 2022 and you’ll go into a draw to win $10,000. T&Cs apply.
Seniors Top Home & Contents Insurance
Buy online and save up to 30% on a new home and contents insurance policy. T&Cs apply.
ANZ Home & Contents Insurance
Monthly or Annually
The only direct Australian home insurance provider to offer full building replacement cover as a standard feature.
Qantas Home and Contents Insurance
Earn up to 20,000 Qantas Points when you sign up. Plus, you could win a $2,000 bp gift card just by getting a quote. T&Cs apply.
Woolworths Comprehensive Building and Contents
Save up to 20% when you buy a Woolworths Home and Contents insurance policy online. Plus, Everyday Rewards Members will save 10% on their monthly shop. T&Cs apply.

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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

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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

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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

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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 2020 and June 2021. 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.

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.

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