St.George Home Insurance review

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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 14 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

St.George Home Insurance complaints

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2022 and June 2023. The data breaks down different underwriters and compares their business size to the number of complaints processed.

When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.

Here's an overview of how St.George (Allianz) did:

• St.George (Allianz) had 1,275 complaints during this period, in between other very large insurers such as AAMI and Bendigo Bank.

• Only 34.27% of complaints were resolved directly with customers. This is very similar to other very large insurers like Bendigo Bank.

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Frequently asked questions

• How do I make a home insurance claim with St.George?

  It's quick and easy to lodge a claim under your St.George Home Insurance policy. You can do this by calling 1300 655 489, available 24 hours a day, 7 days a week, and providing the details of your claim. Alternatively, you can submit your claim online via the St.George website.

• Do I have to pay an excess when I make a claim with St.George?

  Yes. An excess is the amount you're required to pay when you make a claim. You can find the excesses that apply to your cover on your policy schedule.

  The minimum basic excess amount is $100, but you can choose to increase this by adding a voluntary excess in order to receive cheaper premiums. The total basic excess payable consists of your minimum basic excess plus any voluntary excess you choose to add.

  The following total basic excess options are available:

  • $100
  • $250
  • $500

  • $1,000
  • $2,000
  • $5,000

• Who is the underwriter for St.George Home Insurance?

  St.George Home Insurance is currently underwritten by Allianz Australia Insurance Limited. Up until recently, it was underwritten by Westpac.

• Who is eligible for a St.George home insurance policy?

  A St.George home building or contents insurance product is suitable for those who:

  • Own or have a legal interest in a residential property in Australia
  • Need building or contents insurance to cover the financial costs of repairing, rebuilding or replacing the insured building or items in the event that they are damaged,
    destroyed or lost as a result of an insured event
  • Need legal liability cover

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.

Written by

Gary Ross Hunter

Editor, Insurance & Innovations

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 725 Finder guides across topics including:

• Health, home, life, car, pet and travel insurance
• Managing the cost of living