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 Ltd. 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

St.George Home Insurance Review

3.7 (11 reviews) Write a review

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.

Finder Score	Fire, Storm & Theft Damage
Finder score 8.9 Great St. George Contents Insurance	Finder score 8.9 Great	Optional	View details Compare product selectionCompare	loading
Finder score 8.7 Great St. George Building Insurance	Finder score 8.7 Great	Optional	View details Compare product selectionCompare	loading
Finder score 9 Excellent St. George Home and Contents	Finder score 9 Excellent	Optional	View details Compare product selectionCompare	loading

Finder Score - Home insurance

We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.

Read the full methodology

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.

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Fires

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Theft

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Escape of liquid

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Storms

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Malicious damage

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

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

Allianz Australia, the brand that underwrites St.George home insurance, was the subject of 765 home insurance complaints and 138 contents insurance complaints in the 2024/25 financial year. However, Allianz Australia is categorised as a "very large" insurer. AAI, another "very large" insurer, received 1,584 home insurance complaints and 384 contents insurance complaints in the same time period.

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

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
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

Compare other products from St.George

Sources

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.

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 571 Finder guides across topics including:

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

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2 Responses

VAMarch 13, 2024

Which insurers cover termite damage

Finder

SarahMay 17, 2024Finder

Hi VA,

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

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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.