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Huddle Home Insurance Review
Huddle Black is one of the most comprehensive home insurance policies we've found but if you want a cheaper option, Huddle has other options available.
Huddle Black is one of the most comprehensive policies on the market
Cons
Its 10% discount isn't market-leading – insurers including Budget Direct offer more.
Compare the benefits of Huddle home insurance and get a quote
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.
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.
Huddle Black comes with features you're unlikely to find elsewhere including emergency pet accommodation, environmental upgrades if your home needs to be rebuilt and up to $2,000 for electrical motor burnout.
The data explores different underwriters and compares their business size to the number of complaints processed.
Hollard, which underwrites Huddle home insurance, received 1,113 home building insurance complaints. This may seem like a lot but it's better than 3 other very large insurers AAI Limited, Insurance Australia Limited and Allianz.
When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.
Huddle reviews and customer satisfaction ratings
Huddle doesn't have many reviews left by customers online. However, those that have left reviews are generally positive.
Huddle receive enough votes to be eligible. These are the national scores of the top 10 home insurers surveyed as part of our Home Insurance Customer Satisfaction awards. To get these ratings, we asked a total of 6,116 customers how they felt about their current home insurer.
Brand
Overall satisfaction rating
★★★★★ 4.39/5
★★★★★ 4.30/5
★★★★★ 4.30/5
★★★★★ 4.25/5
★★★★★ 4.23/5
★★★★★ 4.20/5
★★★★★ 4.17/5
★★★★★ 4.12/5
★★★★★ 4.12/5
★★★★★ 4.05/5
Finder's verdict
Our expert says
"Huddle home insurance is good if you want a very comprehensive insurer. Huddle Black provides more extensive cover than most of the insurers on the market. If you're simply looking for the biggest available sign-up discount, you might want to look elsewhere."
Huddle Insurance is underwritten by The Hollard Insurance Company Pty Ltd.
Huddle home insurance is suited to people who own their home and live in it as their primary residence, whether as an owner or a renter. It's designed to cover loss or damage to the home building you own and live in. It isn't suitable if your home is a strata property or isn't kept in good repair. It also isn't likely to be suitable if it doesn't comply with local government and statutory building requirements, is currently under construction or is likely to be unoccupied for more than 100 consecutive days.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 670 Finder guides across topics including:
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