We currently don't have that product, but here are others to consider:
How we picked theseWe 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.
Your home is likely to be the most expensive thing you own, so it's worth protecting. If it gets damaged by fire, flood, burst pipes or a storm, you'll be patting yourself on the back for organising home insurance. Here's a little bit about what it can cover:
If any of these events occur (plus some others), then you can be compensated for both the expense to repair your home and the expenses you incur while having to live outside of your home.
There are four main types of home insurance:
Building insurance
This is straight up home insurance. It includes cover for the home, so the actual building, only.
Contents insurance
This insures the belongings inside your home. So if you've got an expensive TV, oven etc — these can be covered by contents insurance.
Home and contents insurance
As the name implies, this is a combination of the two. This means your home building and your contents are insured.
Landlord insurance
This can include building insurance and/or contents insurance, based on what you need as a landlord. It's designed to protect your investment home while others are renting it.
"The best way to save money on your home insurance bill is to compare policies every time you go to renew. Sometimes, this doesn't even mean switching! It can be as simple as being informed about other prices so you can negotiate with your current insurer. I did this with my most recent home insurance bill and saved $200."
"Every insurer prices its risk in really different ways, which means you could get two very different quotes on the exact same house and same policy holder. That's why you're almost always going to pay over the offs if you don't shop around regularly. Call your insurer and ask for a better deal and if they can't do anything, do a quick comparison – for 60 minutes of your time, you could save hundreds or even thousands of dollars."
Home insurance premiums are getting more and more expensive so it's critical to ensure you're not paying more than you need to. Here's a few tips to get your home insurance bill down a bit lower:
"When my husband and I turned 60 and became semi-retired, we wanted to put a stop to unnecessary bills so we could spend time enjoying our retirement. When we received our home insurance renewal bill (from a company we'd been with for 5 years), I was blown away to learn that they were increasing my premium by a whopping 60%. I compared my options and ended up going with another provider. Even with added benefits, we still saved over $700 a year by switching!"
Compare home insurance in under a minute
Shed insurance can cover sheds of all shapes and sizes, as well as their often-valuable contents.
Find out how home insurance can cover water damage and how to avoid some of the pitfalls.
Cancelling your home insurance is actually quite simple and you can do it at any time.
It’s possible to get home insurance for an unoccupied home, you just have to let your insurer know.
Motor burnout covers those big appliances in your home in the event that they let you down. This article will show you what it is, why it's important and how much it can cost you.
Access the latest home insurance deals and special offers to save further on your policy.
Find out what renter's insurance is, what it covers and how to find the right policy for your needs.
Follow these steps to find affordable home insurance that won't leave you stranded.
Building insurance covers your home structure only, not the contents inside. Learn more about what is covered, what isn’t covered and compare your options today.
Compare home and contents insurance - our research shows you can save up to $1,653 by switching.
i want home insurance ‘without’ contents. does anyone know of an insurer.
Hi Tracey,
Thanks for your comment and I hope you are doing well.
Yes, you can find home insurance only for your home through home building insurance. As it says above, this is a stand-alone cover for only your home. It also covers other fixtures on your property, such as garages, fences, and sheds. It protects you against a bunch of natural events, such as fire, storm damage, and floods.
You will find a table that compares the features and benefits of each home insurance provider in terms of what it does and doesn’t cover. This way it will be easier for you to see which provider fits you best. If you need further help, a quick guide on how to compare home insurance is also stated on the page. As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.
I hope this helps and feel free to reach out to us again for further assistance.
Best,
Nikki
I been trying to look for a home insurance for me rental property but it was declined due to the following reasons:
1. it is a rental property and we don’t know when we can have a tenant to occupy the property
2. Its still under renovation/construction but water tight now.
can you please help me find a cover for my property?
Hi Andrew,
Thanks for your message and for visiting Finder.
Sorry to hear that you’ve been declined for home insurance. Perhaps you may want to look at landlord insurance. You can compare and choose insurers as well as information on coverage, benefits, and the difference between home insurance and landlord insurance.
However, many insurers won’t cover you if your property will be unoccupied for over 30 days. It will be considered unoccupied and you may void your home insurance. Each provider imposes its own time limit on the maximum period you can leave your home unoccupied and still expect full coverage under your policy. Some insurers have a maximum unoccupied limit of 60 days, others extend this limit out to 90 days, but some companies require notification if you’ll be away for more than 30 days.
Check the product disclosure statement (PDS) for the limit imposed by your insurer. If you exceed this limit, one of two things will happen:
The insurer may impose an additional excess on any claims that arise while your home is unoccupied.
Your policy may be cancelled.
However, it may be possible to contact your insurer and arrange for home insurance cover to remain in place for the entire time your home is unoccupied. For more information, you may view our review on unoccupied home insurance.
Hope this helps! Feel free to message us anytime should you have further questions.
Cheers,
Nikki
If I purchase a property, do I need any form of insurance prior to settlement? Deposit insurance??
thanks
Hi Peter,
Thanks for reaching out.
That would be the Lenders Mortgage Insurance and it will depend on how much deposit you are able to make.
LMI is an upfront charge you will pay if you borrow over 80% of your property’s purchase price or value when buying a home or investment property.
Because LMI allows many borrowers to purchase a home with as little as a 5% deposit, it’s not just a fee but also a tool. You can learn more about Lenders Mortgage Insurance (LMI). Our guide provides information on how it works, ways to avoid LMI, and answers to commonly asked questions.
Cheers,
Joanne
Need insurance that will cover our home year round, we live in the home 6 months a year and overseas 6 months a year, during which time we will Air BNB which we also need to be covered for. Would prefer complete replacement cover. Getting so many varying quotes and getting a bit lost!
Hi ET,
Thank you for your question.
I’m sorry to hear about the difficulty you’re having. While we can’t provide specific recommendations, I advise that you check your options listed on this page.
Aside from that, you may find ShareCover page helpful. They could cover your home. Please get in touch with them so you can get more details.
All the best,
Zubair
Who supplies Insurance to new incomplete dwellings, without a final certificate being lived in prior to completion.
Hi Mick,
Thank you for your question.
finder.com.au is a comparison and information service and we are not permitted to provide our users with personalised financial advice or product recommendations.
You will need to contact home insurers directly about this matter.
All the best,
Zubair