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What is home and contents insurance?
Your home is likely to be the most expensive thing you own, so it's worth protecting. Home and contents insurance aims to do just that. It's a type of insurance that protects the physical structure of your house and your personal belongings inside.
If your home gets damaged by fire, flood, burst pipes or a storm, home insurance helps cover the cost.. Here's a little bit about what it can cover:
Fire, storm and theft damage
Flood - this is often an optional extra, it isn't included as standard in all policies
Accidental damage
Escape of liquid (like a burst pipe)
Malicious damage (like vandalism)
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.
Home and contents insurance aims to ease the financial burden of sudden, major home repairs that can leave Aussies extremely out of pocket. It's also incredibly convenient when you're under stress and need to get on top of repairs ASAP.
What are the different types of home insurance?
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. These policies are ideal for landlords who want to protect their investment while it's rented out.
Contents insurance
This insures the belongings inside your home, like your TV or oven. Contents-only insurance is ideal for renters who only need to cover their items within the home.
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, ideal for home owners.
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.
How to get the best home and contents insurance policy
Every Aussie wants the best home and contents insurance policy for their home. But the truth is, everyone's idea of "best" looks different. For some, the best policy is an affordable one, for others, it's a policy with comprehensive coverage.
While we can't tell you exactly which policies are the best for your circumstance, we can give you a fantastic starting point. Every year, Finder rounds up some of the best home and contents insurance policies for our annual Finder Awards. We do this to help you find some of the top notch policies in the market.
Our judge analysed 52 policies from 31 providers and compiled a list of the policies they believed were worth a look. If you would like to find out who took out the top spots for this year, head on over to our home insurance Finder Awards page.
Here's what some of our experts have to say...
Our expert says
"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:
Compare your options. The best way to cut your bill down is to compare your options. According to Finder research, 69% of home insurance customers have said their premiums have gone up within in the last 12 months. Often, insurers will increase your premium every year because they're assuming you'll let it auto renew and won't question the increase. Loyalty does not pay and there's almost always money to save by switching.
Call your insurer. Often, your insurer is more interested in keeping you as a customer than watching you go elsewhere, so if you call and ask if they can reduce your premium, they'll likely do this. I called my insurer when my home insurance was up for renewal and said "Is there any flexibility on the price?" and they immediately dropped it by $200.
Use sign up discounts. Sign up discounts can save you hundreds simply for being a new customer and signing up online. It's a great way to save! Hot tip: look for percentage discounts rather than a dollar figure discount. 15% off is almost always going to be better for you than $50 off.
Increase your excess. The higher your excess, the lower your premium. However, your excess needs to remain affordable for you in the event that you have to make a claim, so do this responsibly.
Review your policy inclusions. If you're looking to save, it can be worthwhile looking at your policy and seeing if you've got any unnecessary inclusions that are driving your premium up. I once had an insurer tell me that I needed flood cover, but I live on a hill. A really big hill.
How Donna and Kevin saved by switching
"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!"
Donna and Kevin Field
NSW-based homeowners
What does a typical home and contents insurance policy look like?
A home and contents insurance policy combines two types of cover into one package so you're protected financially if your house or belongings are damaged, destroyed or lost.
Building cover protects the physical structure of your home while contents cover protects the things you own inside the home that aren't permanently attached, like furniture, clothes, electronics tools, and personal items. Some policies also offer portable contents cover for belongings you take outside the home, such as laptops, phones and bicycles.
Most policies will outline a list of insured events, such as fire, storm, theft or burst pipes and may offer optional benefits like accidental damage cover or legal liability coverage if someone is injured on your property.
In practical terms, a typical policy will specify:
Sum insured. This is the amount of cover for both your building and your contents.
Insured events. What risks are covered (e.g. fire, storm or theft).
Optional extras. These are optional things you can have covered on your policy at an extra cost, such as flood cover, portable contents or accidental damage.
Every home and contents insurance policy also comes with a Product Disclosure Statement (PDS). Insurers must have this listed on their site before you purchase a policy.
A PDS outlines exactly what is and isn't covered and contains other important information about your policy. It's important to read this document before taking out a policy, so you're completely across the ins and outs of your policy.
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What to consider when purchasing home and contents insurance
Whether you're switching or taking out a policy for your brand new home, there are a few things to keep in mind when shopping around for home and contents insurance. Remember, think beyond price and focus on getting cover that matches your needs. Here are the key areas to compare:
The level and range of cover
Make sure the policy includes cover for both your home structure and your contents, or choose a bundled home and contents policy if you want both in one. If you're renting, you'll mainly need contents cover, while building cover is essential if you own your home.
Sum insured and replacement value
Work out how much it would cost to rebuild your home and replace your belongings at today's prices. Underinsuring can leave you out of pocket after a claim. Some policies offer 'new for old' cover, replacing items at today's cost rather than depreciated value.
Insured events and exclusions
Check exactly which events are covered and what's excluded. Standard events typically include fire, theft and storms, but some risks like flood or accidental damage may be optional extras. Make sure what matters to you is included.
Excess and premiums
Your excess is what you pay each time you make a claim, while your premium is what you pay on an annual or monthly basis to maintain your premium. Choosing a higher excess can lower your premium, but make sure you can afford it. Compare quotes from multiple insurers to find the best balance.
Optional benefits
Consider whether you need extras like portable contents cover, accidental damage protection or legal liability cover. Some insurers also provide temporary accommodation cover if your home becomes uninhabitable after an insured event.
Limits and specified items
Most policies set limits on certain types of items, like jewellery or artwork. If you would like specific coverage for these items, you may be able to list them separately as specified items to be fully covered.
FAQs
Some mortgage lenders will require you to have home insurance when you buy a home to ensure that they get paid, even in the event of a disaster. Outside of this though, there's no legal requirement to have home insurance, it's just wise. It's probably your biggest asset. If you can't afford to lose it, insure it.
Our latest research from November 2024 shows that the average home and contents insurance policy costs around $2,800. Of course, your own quote will differ as it's heavily dependent on the rebuild cost of your home and the value of your contents.
If you rent, you should consider contents insurance only, you won't need building insurance (that's your landlord's job). Contents insurance can protect your belongings so it's worth considering if you have anything of particular value.
You shouldn't need home (building) insurance because your strata fees will cover that but you may like to consider contents insurance to protect your belongings.
For building insurance, you'll need to know a rough estimate of what it'd cost to rebuild your home. This is not the value of your home as that's different and depends on the housing market. This is the cost of materials and labour to rebuild your home. Unfortunately, there's no real way to calculate this with certainty. It could help to look at home building costs for similar properties in your area.
Additionally, if you're getting contents insurance then you'll need to know the value of the items you're insuring so you can ensure your sum insured is enough.
It can be. For many policies, it's an optional extra - it's not always included as standard.
Sources
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To make sure you get accurate and helpful information, this guide has been edited by
Angus Kidman
as part of our
fact-checking process.
Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year.
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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.
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Hi just need an insurance for house and content can’t find a company that will because I work from home do you know any company that are more flexible on that subject
Regards Tarcy
Finder
CeydaOctober 29, 2025Finder
Hi Tracy, if you work from home under an employer and have a home office, you should be able to find a standard home and contents insurance. However, if you carry out more complicated business operations or have an ABN listed under your home address, you may need a different kind of policy – one that includes add-ons for equipment, stock or liability. Depending on your line of work, you may need a business policy. Hope this helps and good luck!
Ceyda
IshOctober 16, 2025
Hi,
I’m renting on a house and want to start a home baking business and register the kitchen on Council.
And landlord wants to find a landlord insurance that cover this.
Please help me to find a insurance company that fulfilling my incident.
Thank you
Finder
CeydaOctober 16, 2025Finder
Hi Ish, the responsibility for comparing and purchasing landlord insurance should fall on your landlord, as they will be responsible for paying the premium. Our landlord insurance page has a list of policies available to compare and purchase. As for registering the kitchen to the Council, if your landlord approves of the kitchen being used as a food business, they may also need to seek approval as they own the property. Hope this helps.
Ceyda
DonAugust 29, 2025
My house is relocated home approved by the council but have not certified by the certifier yet ( house certificate after removing). Can I buy home insurance and get compensation if it burnt down by accident?
Finder
SarahSeptember 13, 2025Finder
Hi Don,
Most mainstream home insurers will not provide full coverage for a house that has been relocated, has not yet been certified, and is not fully signed off as a completed dwelling, as it is considered igh risk, since it’s not legally certified for occupancy yet. Some insurers or brokers may offer cover known as owner-builder insurance, relocated home insurance or construction/renovation insurance, so that might be worth exploring. Hope this helps!
AndyMarch 25, 2025
I am looking for an insurance company which has landlord building and content insurance for a residential property with business Tennant (NDIS provider)
Finder
PetaMarch 26, 2025Finder
Hi Andy, given it’s a residential property but has a business tenant, it’s hard to say if you’ll need residential landlord insurance or commercial landlord insurance. I’d suggest calling a residential landlord insurer first and asking them about how they insure residential properties with business tenants. If you’re told that you can’t get insurance from them, I’d suggest looking into a commercial landlord policy instead. You might also find it easier to go through a broker.
BrentonMarch 11, 2025
I’ve purchased and moved into an apartment in the city. There are three residential apartments and three businesses in the building, and we are part of a Strata title.
Strata covers the building insurance, and I have separate contents insurance (including legal liability).
The strata deed states that all units are to have a minimum of $10,000,000 of public liability cover. I understand PL for the businesses, however, can it be purchased to cover residential?
Finder
AngusMarch 12, 2025Finder
Hi Brenton, Most comprehensive home and contents insurance policies will also include a public liability component – but you’ll need to check the product disclosure statement (PDS) to see what the level of cover is.
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.
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Hi just need an insurance for house and content can’t find a company that will because I work from home do you know any company that are more flexible on that subject
Regards Tarcy
Hi Tracy, if you work from home under an employer and have a home office, you should be able to find a standard home and contents insurance. However, if you carry out more complicated business operations or have an ABN listed under your home address, you may need a different kind of policy – one that includes add-ons for equipment, stock or liability. Depending on your line of work, you may need a business policy. Hope this helps and good luck!
Ceyda
Hi,
I’m renting on a house and want to start a home baking business and register the kitchen on Council.
And landlord wants to find a landlord insurance that cover this.
Please help me to find a insurance company that fulfilling my incident.
Thank you
Hi Ish, the responsibility for comparing and purchasing landlord insurance should fall on your landlord, as they will be responsible for paying the premium. Our landlord insurance page has a list of policies available to compare and purchase. As for registering the kitchen to the Council, if your landlord approves of the kitchen being used as a food business, they may also need to seek approval as they own the property. Hope this helps.
Ceyda
My house is relocated home approved by the council but have not certified by the certifier yet ( house certificate after removing). Can I buy home insurance and get compensation if it burnt down by accident?
Hi Don,
Most mainstream home insurers will not provide full coverage for a house that has been relocated, has not yet been certified, and is not fully signed off as a completed dwelling, as it is considered igh risk, since it’s not legally certified for occupancy yet. Some insurers or brokers may offer cover known as owner-builder insurance, relocated home insurance or construction/renovation insurance, so that might be worth exploring. Hope this helps!
I am looking for an insurance company which has landlord building and content insurance for a residential property with business Tennant (NDIS provider)
Hi Andy, given it’s a residential property but has a business tenant, it’s hard to say if you’ll need residential landlord insurance or commercial landlord insurance. I’d suggest calling a residential landlord insurer first and asking them about how they insure residential properties with business tenants. If you’re told that you can’t get insurance from them, I’d suggest looking into a commercial landlord policy instead. You might also find it easier to go through a broker.
I’ve purchased and moved into an apartment in the city. There are three residential apartments and three businesses in the building, and we are part of a Strata title.
Strata covers the building insurance, and I have separate contents insurance (including legal liability).
The strata deed states that all units are to have a minimum of $10,000,000 of public liability cover. I understand PL for the businesses, however, can it be purchased to cover residential?
Hi Brenton, Most comprehensive home and contents insurance policies will also include a public liability component – but you’ll need to check the product disclosure statement (PDS) to see what the level of cover is.