Home insurance: Compare & save
Our home insurance comparison can help you save time and money on one of your biggest household bills.
Our home insurance comparison can help you save time and money on one of your biggest household bills.
You pay the same price as buying directly from the home insurer.
We're not owned by an insurer (unlike other comparison sites).
We don't ask for your phone or email.
We've helped over 300,000 people find home insurance.
Collectively, our experts have over 12 years of experience helping people find home insurance.
We've written hundreds of guides (211 so far and counting) and are passionate about presenting the most up-to-date and relevant information for you.
We can help provide answers during major weather events and natural disasters such as La Niña, the recent Australian floods or during bushfire season.
You can regularly catch our experts on TV shows such as Sunrise and 7News dishing out the latest home insurance savings tips.
Back to topTo prevent water damage, it's worth making sure your gutters don't become blocked by leaves and other debris this autumn. Home insurance typically won't cover you for damage related to something like this. This is because it's considered general maintenance – that is, something you ought to be doing yourself.
Gary Ross Hunter
Finder insurance and innovations editor
Just having an awareness of what your insurance cover amount is and what your policy covers you for will make a difference. If you just haven't reviewed it for a number of years, it may be time to do that.
Trying to navigate a product disclosure statement can get overwhelming quickly. So I understand why people get confused about what's included in their policies. When I'm doing research, I just Ctrl+F a keyword or phrase and it saves me a lot of time and frustration.
Jessica Prasida
Finder home insurance publisher
One thing I've learned is that every insurer prices its risk in really different ways. Something as simple as the policyholder having a birthday can change the risk profile of the policy and change the premium. I compared options in 2022 when my home insurance premium went up by 33%, and I saved over $1,400! It really pays to shop around.
Sarah Megginson
Finder head of editorial and homeowner
One of the most common accidents is when people have their smartphones accidentally damaged. The great news is most content insurance can cover your phone in and outside of your home. To ensure your phone is properly covered, have it specified on your policy.
I pay for home insurance annually, whenever I can afford to. Insurers often charge more if you pay for your policy once per month. I'm a firm believer that staying loyal to an insurer never pays off with home insurance. I'd encourage consumers to compare at least 4 or 5 different policies when your renewal date creeps closer.
James Martin
Finder insurance editor and homeowner
Response | Male | Female |
---|---|---|
Once a year | 21.05% | 16.72% |
I never compare or switch | 14.1% | 18.1% |
Once every 3+ yrs | 12.03% | 13.79% |
Every 2 yrs | 11.09% | 9.48% |
More than once a year | 0.94% | 1.03% |
Our home insurance guides can help you compare and understand what cover option is right for you.
Some more helpful guides
Best home insurance
5 policies selected by our experts, assessed and updated regularly
Home and contents insurance
For homeowners who also care about the stuff inside their home
Contents insurance
For folks who only want to cover their belongings (best for renters)
Building insurance
For homeowners who want to protect the building but not its contents
Some more helpful guides
Our team of experts researched 68 home insurance policies and selected 2 Finder Award winners based on value and comprehensiveness.
We also ran awards for customer satisfaction, innovation and green insurance.
We gathered over 300 quotes from 17 different insurers
for a $500,000 building and $100,000 of contents.
On average, the monthly cost of home insurance
in Australia is:
$160
Global warming is to blame for a lot. It's also a major reason home insurance costs are rising. You don't need to just accept the price increase though. When your renewal comes up, shop around. You'll likely find somewhere cheaper.
Home insurers like to offer sign-up discounts to get you on board. Some can genuinely save you a lot of money, like 30% off your first year. If you want to continue saving though, keep switching every 12 months because insurers often increase existing customers' prices significantly.
Insurers like safe homes, so make yours like Fort Knox (internal alarms, external sirens or external strobe lights will suffice) and some will charge you less.
This is a specified amount you need to pay whenever you make a claim. All home insurance policies have them. Most will let you increase your excess in return for cheaper premiums. There's a downside though – making a smaller-value claim won't be worth it.
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 purchases/bills so we could spend time enjoying our retirement. When we received our insurance renewal (from a company we'd been with for over 5 years), I was blown away to learn not only were they increasing my premium by 60%, but when I compared their basic cover against Honey Insurance's cover (with added benefits) I was saving over $700 a year!— Donna and Kevin Field, NSW-based homeowners
Remember the exclusive deals and sign-up offers we mentioned? We put together a list of them below to help you save:
Store | Discount | |
---|---|---|
Receive $250 worth of smart sensors with Honey Home Insurance Get free smart sensors (valued at $250) to install around your home when you sign up for a combined home and contents policy. T&Cs apply. Last verified |
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30% online discount on new home and contents insurance Receive 30% off your first year's premium when you purchase a new combined home and contents insurance policy online. T&Cs apply. Last verified |
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Get up to 20% off your first year's premium with QBE Building and Contents Insurance Discount is made up of a 10% online discount, and a further 10% for buying a combined policy. T&Cs apply. Last verified |
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Get 10% off when buying Home and Contents Insurance from Australia Post Save 10% when you buy a combined home and contents insurance policy online from Australia Post. T&Cs apply. Last verified |
Want to find out more about a specific insurance brand? We've reviewed over 60 of them. Here's a bunch of the most popular ones:
If the brand you're looking for isn't here, check out our full home insurance directory.
Curious to know what happens if you commit insurance fraud on a home insurance claim? Here's what we know, and why you probably shouldn't do it.
Knowing the difference between fixtures and fittings can help you decide which home insurance policy is right for you.
Find the right granny flat insurance, whether you're renting yours out or you've moved into one.
Learn how to get cover if you're in a relocatable home.
Your guide to seniors home insurance.
Cancelling your home insurance is actually quite simple and you can do it at any time.
Discover how to prevent theft in your home with our handy guide.
Discover what impacts the cost of home insurance and how to get the right protection with this handy guide.
Live in a share house? Here's your bible for protecting all your stuff.
Home warranty insurance, also known as builders warranty insurance and home indemnity insurance, is designed to offer protection for homeowners against faulty building work.
Can you provide an insurer who covers house heritage overlay
Hi Christine, More information about insuring older homes is available here: https://www.finder.com.au/older-homes-insurance
Do you provide residential strata insurance?
You can review some options for residential strata insurance here: https://www.finder.com.au/home-insurance/strata-insurance
I own a duplex in Qld and how do I insure it – I dont think it is strata titled and both of the properties are rented
Hi Helen, You may want to look into some landlords insurance options:
https://www.finder.com.au/landlord-insurance/best-landlord-insurance
hope this helps!
I have been insured for over 40 years by QBE I now notice they don’t cover properties over 2ha. My property is 2.2ha, do you have a provider who does?
Hi Rob,
Our page about farm insurance might be useful for your situation.
how can i bundle my home contents and cars
Hi Pete,
We have a multi-policy insurance guide that should hopefully be able to help you out.
Thanks,
Gary