St.George Home Insurance Review

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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.	Get a quote View details	Compare	loading Fetching your data...
QBE Home & Contents Insurance Green Company							Annually	Save up to 20% on your first years’ premium with a new combined QBE Home and Contents policy online. T&Cs apply.	Get a quote View details	Compare	loading Fetching your data...
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.	Get a quote View details	Compare	loading Fetching your data...
Huddle Comprehensive Home and Contents Insurance							Annually	Save up to 20% on your policy in the first year.	Get a quote View details	Compare	loading Fetching your data...
Domain Home Buildings & Contents Insurance							Monthly or Annually	Domain Insure uses property data to help build your quote faster.	Get a quote View details	Compare	loading Fetching your data...
Seniors Top Home & Contents Insurance							Annually	Buy online and save up to 30% on a new home and contents insurance policy. T&Cs apply.	Get a quote View details	Compare	loading Fetching your data...
Real Top Home and Contents Insurance							Annually	Save up to 20% when you purchase combined Home and Contents online.	Get a quote View details	Compare	loading Fetching your data...
Youi Building and Contents Insurance							Annually	Youi Home Insurance takes the time to tailor a premium for you.	Get a quote View details	Compare	loading Fetching your data...

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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

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.

FAQs about St.George Home Insurance

• 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 General Insurance Limited (AAGIL). 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 cover to cover the financial costs of repairing, rebuilding or replacing the insured building or items in the event that it is 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.