These products offer a balance between low pricing and more features.
7+
Great
Competitive products within their group.
5+
Standard
Usually these products would either have fewer benefits or higher pricing.
0+
Basic
Offering basic cover with limited features or higher pricing.
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.
How does People's Choice compare with other popular providers?
Price
While People's Choice offers more comprehensive cover compared to many brands, its pricing is also significantly higher than average. Finder cost research showed the average People's Choice policy cost $3,353 a year, compared to the national average of $2,780.
However, your own premium may be significantly different to these figures, as quotes are highly dependent on the unique features of your home, it's location, and contents.
While many benefits are standard as part of People's Choice's cover, there are some optional extras you can add, including:
Accidental damage: Cover for damage to your items from unintentional mishaps in your home.
Valuable contents: Increase your cover for some high-value items in your home like art, jewellery and collectables.
Motor burnout: Cover for electric motor burnout in appliances (like washing machines).
Portable contents: Cover items like glasses, laptops and phones when you take them away from your home.
How to make a claim
To make a claim on your People's Choice home insurance, which is underwritten by CGU, you can claim using your CGU Online Account or by calling the CGU claims team on 13 24 80 available 24/7. You will need your policy details and information about the incident and damage.
People's Choice home insurance complaints information
People's Choice home insurance is provided by CGU, which is part of IAG. In the 2023-2024 financial year, the Australian Financial Complaints Authority (AFCA) received 1,191 complaints in relation to IAG's home building insurance and 230 in relation to its home contents insurance. However, the insurer is one of the largest in the country and its complaints numbers are similar to that of other very large insurers, including QBE, which received a combined 813 complaints for its home and contents cover.
FAQs
People's Choice home insurance is underwritten by CGU, a member of IAG.
Yes, People's Choice home insurance is available nationwide.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards.
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