St.George Home Insurance Review

St.George is one of the cheapest home insurance providers around and, unlike most, lets you pay monthly at no extra cost.

4.2 ★★★★★ (9 reviews) Write a review

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Our Verdict

  • St.George offers competitively priced home insurance policies, according to our research.
  • St.George's 25% saving when you buy online is one of the best sign-up discounts available on Finder, compared to 8 other policies.
  • St.George's $20,000,000 legal liability limit is probably more than enough for most but some, like QBE, offer more.
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Compare home insurance policies below

Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Budget Direct Home & Contents Insurance
Optional
Annually
Save 30% on your first year's premium when you purchase a new combined Home & Contents insurance policy online. T&Cs apply.
Green Company
QBE Home & Contents Insurance
Annually
Save up to 20% on your first years’ premium with a new combined QBE Home and Contents policy online. T&Cs apply.
Virgin Home and Contents Insurance
Optional
Annually
Purchase a new eligible Virgin Home and Contents Insurance policy online and you'll also save 30% on your first year’s premium. T&Cs Apply.
Huddle Comprehensive Home and Contents Insurance
Annually
Save up to 20% on your policy in the first year.
Domain Home Buildings & Contents Insurance
Monthly or Annually
Domain Insure uses property data to help build your quote faster.
Seniors Top Home & Contents Insurance
Annually
Buy online and save up to 30% on a new home and contents insurance policy. T&Cs apply.
Real Top Home and Contents Insurance
Annually
Save up to 20% when you purchase combined Home and Contents online.
Youi Building and Contents Insurance
Annually
Youi Home Insurance takes the time to tailor a premium for you.
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What does St.George Home Insurance cover?

St.George has 3 home insurance policy options: Home and Contents Insurance, Building Insurance and Contents Insurance. You can also choose from 3 levels of comprehensiveness: Essential Care, Quality Care and Premier Care.

Here are some of the main insured events you'll be covered for by a St.George Home Insurance policy.

All policies come with a basic excess of at least $100, which you need to pay whenever you make a home insurance claim, and a cooling off period of 21 days. If you cancel your policy within this timeframe, you can receive a full refund.

Here's a breakdown of St.George Home Insurance features

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Standard features

Here are some of the standard inclusions you'll get with a St.George Premier Care Home Insurance policy:

  • Sum insured safety net
  • Malicious acts and unrest
  • Electrical motor burnout
  • Accidental loss or damage
  • Storm, flood, fire, lightning, earthquake, impact, explosion
  • Accidental glass breakage
  • Emergency accommodation
  • Theft
  • Escape of liquid
  • Legal liability cover

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Optional add-on

St.George Home Insurance has loads of inclusions, so this is the only optional add-on available:

  • Personal valuables cover

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Exclusions

St.George will not pay your claim for any of the following reasons:

  • Events covered by a warranty, guarantee or service contract
  • Defects
  • Wear and tear
  • Landslide
  • Damage by vermin or insects
  • Unlawful acts
  • Tree roots
  • Loss or damage if your home is unoccupied for more than 60 days
Read St.George's PDS for a more detailed breakdown of exclusions and head to general exclusions for more information.

St.George Home Insurance complaints

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July to December 2020.

When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints. The data explores different underwriters and compares their business size to the number of complaints processed.

At this time, St.George policies were underwritten by Westpac. Here's an overview of how it did:

  • St.George (Westpac) had 135 complaints during this period, lower than other large insurers such as Hollard.
  • 42.96% of complaints were resolved directly with customers. This is very similar to other large insurers like Auto & General and Hollard.

Here's the bottom line about St.George Home Insurance

St.George seems to be competitively priced and offers one of the best sign-up discounts in the market. Just make sure the policy is right for your home and your lifestyle.

If you're still not sure, you can compare St.George Home Insurance against other home insurance companies.

FAQs about St.George Home Insurance

Leave a St.George Home Insurance review

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

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