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St.George Home Insurance Review

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

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St.George Home Insurance
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Gary Hunter
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Owned by Westpac, St.George is one of Australia's most recognisable bank brands. The company has three home and contents insurance policies: Essential Care, Quality Care and Premier Care.

Our Verdict

  1. St.George offers competitively priced home insurance policies, according to our research.
  2. You can pay monthly at no extra cost — only 2 other providers from 11 offer this.
  3. 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.

Review by our insurance writer Gary Hunter

St.George Home Insurance cover options

Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
St. George Home and Contents
Monthly or Annually
Save up to 25% when you purchase cover online. Promo code: COVER
Get a quote
View details
St. George Building Insurance
Monthly or Annually
15% off for your first year. Promo code: COVER
Get a quote
View details
St. George Contents Insurance
Monthly or Annually
Save 15% on the first year of your policy when you buy online. Use promocode: COVER. T&Cs apply.
Get a quote
View details
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Compare up to 4 providers

Name Product Fire, Storm & Theft Damage Tenant Default and Damage Loss of Rent Accidental Damage to Home or Belongings Flood
St George Landlord Insurance
St George Landlord Insurance
Yes
Save up to 25% when you purchase cover online. Promo code: COVER
Get a quote
View details
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Compare up to 4 providers

Home insurance policy options with St.George

St.George Essential Care home insurance offers a basic level of cover so that you can protect your home and contents against loss and damage. It covers fires, floods, storms, theft and much more. It also includes sum insured safety nets to ensure that all costs are covered to help you get back on your feet.

  • Covers loss or damage caused by theft, storms, floods, fires, lightning, earthquakes, impacts, explosions, escape of liquid, malicious acts, riot and civil commotions
  • 10% sum insured safety net for buildings
  • 5% sum insured safety net for contents
  • Emergency accommodation costs
  • Cover for jewellery, artwork and collections
  • $20 million legal liability cover
  • Optional personal valuables cover
  • Pay by the month at no extra cost

Quality Care insurance from St.George covers your home and contents against loss or damage caused by a wider range of events than an Essential Care policy, including floods, storms, theft, malicious acts, impacts and escape of liquid. It also adds sum insured safety nets if the cost of rebuilding is more than expected. Other benefits include cover for jewellery, artwork, cash and more.

  • Covers loss or damage caused by theft, storms, floods, fires, lightning, earthquakes, impacts, explosions, escape of liquid, malicious acts, riot and civil commotions
  • Accidental glass breakage
  • Electrical motor burnout cover
  • Emergency accommodation costs
  • 20% sum insured safety net for buildings
  • 10% sum insured safety net for contents
  • $20 million legal liability cover
  • Optional personal valuables cover
  • Pay by the month at no extra cost

St.George Premier Care provides all the same benefits as the Quality Care policy, but with the added security of cover for accidental loss or damage anywhere in Australia. It includes a 30% safety net for your buildings and 20% for your contents. You’re also covered for emergency accommodation costs, jewellery, artwork and a lot more.

  • Covers loss or damage caused by theft, storms, floods, fires, lightning, earthquakes, impacts, explosions, escape of liquid, malicious acts, riot and civil commotions
  • Also covers accidental loss or damage
  • 30% sum insured safety net for buildings
  • 20% sum insured safety net for contents
  • Accidental glass breakage
  • Electrical motor burnout cover
  • $20 million legal liability cover
  • Optional personal valuables cover
  • Pay by the month at no extra cost

General policy exclusions

There are certain circumstances and situations when your St.George home insurance policy will not provide any cover. St.George will not pay your claim if it arises from the following situations:

  • It is for events or circumstances that are covered by a warranty, guarantee or service contract.
  • It arises due to any defects in design, structure, materials, workmanship or construction.
  • You failed to properly maintain or secure your property.
  • You failed to undertake building work required by a relevant authority before the loss or damage occurred.
  • It is for wear and tear, gradual deterioration, or fading.
  • It is caused by rust, corrosion, mould, mildew or atmospheric conditions.
  • It is caused by a landslide, subsidence or erosion.
  • It is caused by settling, expansion, shrinkage or vibration.
  • It is caused by tree roots.
  • It is caused by vermin, insects or pests.
  • It arises due to malicious or unlawful acts or use by you, or by someone acting with your consent.
  • It arises due to your property being used for any business, trade, profession, occupation or commercial purposes.
  • Your property is unoccupied for more than 60 consecutive days.
  • It is for work to demolish or relocate your building.
  • It is for loss or damage to common property where the home is part of a strata, group or community title plan.

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

St.George home and contents insurance policies are only available for residential properties located in Australia. You will only be covered if the insurer accepts your application and if you make the required premium payments on time.

Home insurance excess options with St.George

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

Making a claim on your policy

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.

You should also follow a few simple steps following any incident:

  • Make sure everyone is safe and contact emergency services if necessary.
  • Do whatever you can to prevent further loss or damage.
  • Call the police immediately following theft, malicious damage or break-ins.
  • Do not accept or admit liability.
  • Notify the insurer of your claim as soon as possible.
  • Provide any information, documentation or access the insurer needs to process your claim.

FAQs

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