ING Home Insurance review

ING Home Insurance offers decent coverage at a competitive price point.

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By

Peta Taylor

Updated

Fact checked

Key takeaways

  • ING was among the top 10 cheapest home insurers out of 42 surveyed for similar benefits.
  • You can customise your ING policy with optional extras like flood or accidental damage cover.
  • Be aware sum insured safeguard is an add-on and monthly payments incur an extra fee.

Our verdict

Pros

  • ING includes similar benefits to other more expensive insurers, yet remains comparatively cheap.
  • Of the 42 home insurers we got prices for, ING was in the top 10 cheapest.
  • There are plenty of optional extras available if you'd like to extend your coverage.

Cons

  • The sum insured safeguard is an optional extra only, other providers like QBE include this as standard. Although QBE is typically more expensive.
  • If you want to pay monthly, you'll be charged an additional fee for this.
  • It includes up to $20,000,000 in legal liability cover, but other brands can cover you for up to $30million.

Compare ING home insurance policies

Finder Score Fire, Storm & Theft Damage Flood Escape of Liquid Accidental damage
ING Home Insurance logo
9.2 Excellent
ING Home and Contents Insurance
9.2 Excellent
Optional
Optional
Discount: Get 30% off your first year's premium when you purchase online. T&Cs apply.
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ING Home Insurance logo
9 Excellent
ING Contents Insurance
9 Excellent
Optional
Optional
Get 15% off your first year's premium when you purchase online. T&Cs apply.
View details
Compare product selection
ING Home Insurance logo
8.6 Great
ING Home Insurance
8.6 Great
Optional
Optional
Get 15% off your first year's premium when you purchase online. T&Cs apply.
View details
Compare product selection
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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

What additional cover options are available?

  • Sum insurance safeguard: This increases your sum covered by up to 25% (e.g. from $400,000 to $500,000) if the cost to replace, repair or rebuild your home exceeds your nominated sum insured. This avoids underinsurance in the event of a claim.
  • Accidental damage to home or belongings: This allows you to claim for things like accidentally putting a hole through the wall or spilling coffee on your expensive rug.
  • Electrical motor burnout: This covers you for appliances which are less than 10 years old, where the motor becomes burnt out or damaged as a result of changes to the electric current powering it, like a surge.
  • Flood: This covers you if your home is damaged as the result of a flood.
  • Landlord options: This gives extra cover to landlords when a tenant damages or steals from the property or defaults on rent.

How to make a claim

You can make a claim at any time by lodging your claim online or calling 1800 619 495. To make your claiming process as smooth as possible, you should have the following prepared:

  • A detailed record of exactly what happened; date, time, location
  • Any photos or videos
  • A police report if you have one (you'll need this in the event of theft or malicious damage claims)

FAQs

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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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