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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.

3.7 ★★★★★ (11 reviews) Write a review
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By

Gary Ross Hunter

Updated

Fact checked

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Key takeaways

  • St George has 3 different home insurance policies to choose from.
  • It's underwritten by Allianz which is good for those who prefer well-known insurance providers.
  • You should compare quotes from multiple insurance providers to help find the right fit for your home.
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Compare home insurance policies below

1 - 7 of 32
Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Best Rated Brand
Youi Building and Contents Insurance
Annually
Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. It’s good if you want a tailored quote over the phone.
Get a quoteView details
Best Rated BrandBonusFinder Award Finalist
Budget Direct Home & Contents Insurance
Optional
Annually
Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover and gives you up to 30% off your first year for new combined policies purchased online.
Get a quoteView details
Green CompanyBonus
QBE Home & Contents Insurance
Annually
Our verdict: Finder's Top Pick for Floods plus cover for other common claims such as fire and theft). Its discount is better than most – 20% off your first year with a combined policy.
Get a quoteView details
ALDI Home & Contents Insurance
Monthly or Annually
Get a quoteView details
Huddle Comprehensive Home and Contents Insurance
Annually
Our verdict: Save up to 10% on your policy in the first year.
Get a quoteView details
Bonus
Honey Home & Contents Insurance
Monthly or Annually
Our verdict: Honey gives you $250 smart sensors to reduce accidents and estimates your rebuild costs for you. Honey was a finalist for the comprehensive category in this year’s Finder Awards.
Get a quoteView details
Finder AwardBonus
Australia Post Home & Contents Insurance
Annually
Our verdict: Covers common claims such as fire, storms, floods and rain. It’s also very helpful if you need to rebuild following a disaster. It offers a special safeguard of up to 30%.
Get a quoteView details
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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

Standard features
Optional add-on
Exclusions

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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.

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 7 other policies.
  • St.George's $20,000,000 legal liability limit is probably more than enough for most but some, like QBE, offer more.

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.

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.

Frequently asked questions

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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.

Gary Ross Hunter's headshot
Editor, Insurance

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 695 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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2 Responses

    Default Gravatar
    VAMarch 13, 2024

    Which insurers cover termite damage

      AvatarFinder
      SarahMay 17, 2024Finder

      Hi VA,

      Termite damage is not typically covered by home insurance. Learn more here.

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