Mortgage Choice Home Insurance

Mortgage Choice Home Insurance is convenient and competitively priced. Just don’t forget to read the fine print.

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By

Cristal Dyer

Edited by

Joelle Grubb

Updated

Fact checked

Key takeaways

  • Mortgage Choice will pay the boarding costs for your pets if an event means you have to leave your home.
  • It's highly competitive in both benefits and pricing.
  • There are plenty of add-ons for higher coverage.
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What does Mortgage Choice Home Insurance cover?

Mortgage Choice, though better known for its home loan services, also offers a range of home building and contents insurance policies to meet the needs of homeowners. Mortgage Choice Home Insurance offers 3 options to customers: building, contents, and a combined home and contents policy. To add to that, Mortgage Choice also offers landlord insurance.

Some main events covered by Mortgage Choice Home Insurance include:

Mortgage Choice Home Insurance policies are issued by respected insurance provider, . It offers customers a wide choice of basic excess amounts (from $500 to $10,000) and has a cooling-off period of .

Here's a rundown of a Mortgage Choice Home Insurance policy

Standard features
Optional add-ons
Exclusions

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Standard features

Here are some of the standard inclusions you'll get with a Mortgage Choice home insurance policy:

  • Alternative accommodation for you and your pets
  • Cover when you're moving house
  • Debris removal
  • Environmentally friendly rebuild
  • Food or medicine spoilage
  • Legal liability
  • Replacement locks
  • Vet costs

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Optional add-ons

To get more protection, you can add these benefits to your policy for an additional cost:

  • Domestic workers' compensation cover
  • Flood cover
  • Motor burnout
  • Portable contents

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Exclusions

All home insurance policies will have general exclusions. Here are a few scenarios which Mortgage Choice considers an exclusion and will not pay a claim:

  • Actions of the sea
  • Deliberate, intentional, malicious or criminal acts
  • Inherent defect
  • Insects, birds and vermin including native animals
  • Rust, damp or chemical damage
  • Soil movement including erosion and landslides
  • War, hostilities or warlike operations
  • Wear and tear

Make sure you read Mortgage Choice's Product Disclosure Statement for a full breakdown of exclusions. You can also head to general exclusions for more information.

Our Verdict

  • It's good for pet owners. Mortgage Choice can provide alternative accommodation for your pets if you claim for an insured event, and covers $500 in vet costs if they're injured in a road accident.
  • It's competitively priced and comes with flexible payment options. You can pay monthly or yearly at no extra cost – not all insurers do this.
  • Mortgage Choice doesn't offer discounts for signing up online, unlike other brands.
  • Flood cover is only available as an optional add-on so you'll need to factor in the additional cost if you need it.

Here's some information on Mortgage Choice Home Insurance complaints

Allianz Australia, the brand that underwrites Mortgage Choice home insurance, was the subject of 765 home insurance complaints and 138 contents insurance complaints in the 2024/25 financial year. However, Allianz Australia is categorised as a "very large" insurer. AAI, another "very large" insurer, received 1,584 home insurance complaints and 384 contents insurance complaints in the same time period.

The bottom line about Mortgage Choice

If you're looking for competitive insurance protection for your buildings and contents, Mortgage Choice Home Insurance is a solid option. Just make sure to compare the policies it offers with others on the market to make sure you find cover that offers you enough features and value for money.

Not sure yet? Compare other home insurance brands side-by-side using our insurance comparison so that you end up with a policy you're happy with.

Frequently asked questions

Compare other products from Mortgage Choice

Sources

Leave a Mortgage Choice Home Insurance review

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

To make sure you get accurate and helpful information, this guide has been edited by Joelle Grubb as part of our fact-checking process.
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Written by

Writer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio

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