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Last updated: 17 May 2024Checked 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.
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.
By Daniel Graham By Jodi BirdList of brands we tested in this review.
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Top filtersThese were chosen because they include standout features – such as cover for accidental damage, contents in the open air or under-insurance safety nets – and because they offer good value for money based on our survey. Check the policy details to make sure they're right for you.
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Prices aren't available for all policies. Use this filter to only select policies with price ratings.
The score is made up of property valuation (15%), insured event cover (25%), legal liability cover (5%), claiming (10%), portable contents cover (10%) and additional features (35%).
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The higher the percentage score, the cheaper the policy compared to other products. This score is across all policies Australia wide, but premiums can differ a lot, depending on where you live. Check the $ sign price rating for your region or state to find a closer price indication for your home. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
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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. N/A means there was no result for that insurer. This score does not contribute to the CHOICE Expert Rating.
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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.
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.
Available in your state or territoryNorth Queensland means north of the Tropic of Capricorn.
South Queensland means south of the Tropic of Capricorn.
North WA means north of the Tropic of Capricorn.
SpecificationsPolicies 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.
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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.
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Cover for accidental damage to your building.
Cover for accidental damage to contents at your home.
Cover for unspecified portable items such as jewellery, phones and sporting equipment. Some insurers will cover general contents away from home, while others cover a limited range of items (check the PDS for specifics). A few make you individually insure any item you want covered away from home. You may be covered for accidental loss and damage, on top of the usual list of insured events. In some cases you will pay a reduced excess.
Insurer has a 24/7 phone line for emergency out-of-hours claiming.
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We at CHOICE acknowledge the traditional custodians of this land on which we work, and pay our respects to the First Nations people of this country. CHOICE supports the First Nations people's Uluru Statement from the Heart.
In our role as a consumer advocate, CHOICE may publish opinions of the general insurance market, with the intention of improving general insurance for Australian consumers. In addition, ACA Insight Pty Ltd (AFSL 550139) (ACA Insight), owned by CHOICE, provides any general advice on general insurance products. This advice does not take into account your objectives, financial situation or needs. Consider the appropriateness of the advice before acting on it. Read the Product Disclosure Statement relating to any insurance product before making a decision to buy it.