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Reviews and ratings you can trust
Based on intensive lab testing across 200+ product and service categories.
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Last updated: 29 February 2024
Fact-checked
Fact-checked
Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.
Compare more than 50 home insurance policies from across the market to help you find the right cover for your building and contents. Our comparison includes policies offered by NRMA, GIO, QBE, Budget Direct, Youi and more.
Unlike other insurance comparison websites, we're completely independent and don't get paid by any of the insurers we're comparing.
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With many Australians already affected by floods and others still at risk, we've put together some simple steps to help people prepare for insurance claims.
Not sure where to begin? Read our guide to finding the right home and contents insurance.
By Jodi Bird
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Brand
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List of brands we tested in this review.
Price
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enter value/s in increments of 1 between 0 and 0
Satisfaction score
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We surveyed customers to ask them about their overall experience with the insurer. This score represents the percentage of people who rated their experience as above average or excellent. Percentages with an asterisk* had fewer than 30 respondents, so they should be taken as indicative only. N/A means there was no result for that insurer.
enter value/s in increments of i between 72 and 87
Pay-by-the-month charge
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Does this insurer impose an extra administration fee for paying monthly? This is sometimes described as a discount for paying annually, but it amounts to the same thing.
Underinsurance protection
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An underinsurance safety net means your insurer will cover you for more than your sum insured, if you have a total loss and the cost of rebuilding is more than your sum insured. Total building replacement cover means you don't set a sum insured, and the insurer commits to rebuilding no matter the cost. Note that safety nets may be an optional extra.
Sold in the ACT
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Sold in the NT
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Sold in North Queensland
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North Queensland means north of the Tropic of Capricorn.
Sold in South Queensland
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South Queensland means south of the Tropic of Capricorn.
Sold in SA
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Sold in Tasmania
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Sold in Victoria
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Sold in WA
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North WA means north of the Tropic of Capricorn.
Building underinsurance safety net
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Policies with an underinsurance safety net will cover up to 30% more than your building sum insured if you didn't insure your home for enough to cover rebuilding costs. This filter doesn't exclude policies with total building replacement cover - another form of underinsurance safety net.
enter value/s in increments of i between 0 and 30
Contents underinsurance safety net
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Policies with an underinsurance safety net will cover up to 30% more than your contents sum insured if you didn't insure your contents for enough to cover repair and replacement costs.
enter value/s in increments of i between 0 and 30
Accidental damage to building
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Cover for accidental damage to your building.
Accidental damage to contents
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Cover for accidental damage to contents at your home.
Cover for unspecified valuables away from home
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Many insurers will cover a limited range of items for accidental loss or damage away from home.
24/7 emergency phone line
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Insurer has a 24/7 phone line for emergency out-of-hours claiming.
Included in this comparison
Members-only access
- Satisfaction score
- Building Cover
- Contents cover
- Legal liability cover
- Pay-by-the-month charge
- How to claim
- Settling your claim
- Cash settlements for building claims
- Cash settlements for contents claims
- New for old replacement
- Cover for accidental damage
- Cover for fire
- Cover for explosion
- Cover for theft
- Cover for accidental breakage of glass
- Cover for sudden escape of liquid
- Cover for impact
- Cover for vandalism
- Cover for flood
- Cover for storm and cyclone
- Cover for storm surge
- Cover for action of the sea
- Cover for earthquake
- Cover for tsunami
- Cover for animal damage
- Cover for motor burnout
- Key/lock replacement after theft
- Gardens and landscaping
- Costs to comply with building regulations
- Professional fees
- Mortgage discharge fees
- Debris removal and demolition
- Temporary accomodation
- Cover for unspecified valuables away from home
- Optional cover for individual portable valuables
- Contents in the open air
- Jewellery
- Artworks
- Collections (e.g. stamps, coins)
- Digital media
- Spoiled food
- Visitors' contents
- Pet cover
- Overlapping cover at a new house
- Cover for contents while moving house
- ACT price comparison
- NSW price comparison
- NT price comparison
- North Queensland price comparison
- South Queensland price comparison
- SA price comparison
- Tasmania price comparison
- Victoria price comparison
- WA price comparison
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