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Home and Contents Insurance Tasmania
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No additional cost to you*iSelect does not compare to all home and contents insurers in the market. The availability of policies may change from time to time. Not all policies made available from iSelect’s providers are compared by iSelect and due to commercial arrangements, area or availability, not all policies compared by iSelect will be available to all customers. See below for our range of home and contents insurers. Some policies are only available from iSelect’s call centre or online. Our advice on this website is of general nature and does not consider your situation or needs. Consider if any advice is appropriate for you before acting on it. Learn more.
Written by
Luke Carlino
Edited by
David RayfieldOur range of Home and Contents partners
What is Home and Contents Insurance?
Don’t let bad luck undo all your hard work. Home and Contents Insurance can help you put things back in order if your island home — or its contents — are damaged, lost or destroyed.
What are the benefits of Home and Contents Insurance?
With Home and Contents Insurance, you might find it easier to replace what’s been damaged or lost without having to dip into your savings. Plus, it can make the journey back to normal smoother with features like temporary accommodation or replacement locks and keys.
What’s the average Home and Contents Insurance premium?
If you’re curious about what your Home and Contents Insurance premium could look like, this graph of the average Australian premiums from FY2023 could give you an idea.1Based on premiums paid by iSelect Home and Contents Insurance customers from 1 July 2022 to 30 June 2023.
What factors can affect the cost of Home and Contents Insurance in Tasmania?
Your home
What makes your home unique, like its age, where it’s located in the Apple Isle and what it’s made from, plays a role in your Home and Contents Insurance premium. Whether it’s weighing up risk or budgeting for repairs and rebuilds, this is where a big chunk of your premium could come from.
What you insure
What you choose to insure — including how much you insure it for — can also affect your premium. Insuring your home and contents, rather than just your home, may raise your premium. The same goes for if you list specified contents above the usual policy limit.
Your excess
Opting to close the gap between what you pay and what your insurer pays when it comes time to make a claim could raise your premium. At the same time, increasing your excess can mean a lower premium. The trick is finding a balance that doesn’t leave your wallet wanting in good times or bad.
General market conditions
Your insurance premiums can get pushed and pulled from all over the place. Inflation, government fees and charges, and increased labour and material costs can all leave their mark. Plus, more frequent bad weather can mean more claims and higher premiums all round too.
What are the risks to your home and contents in Tasmania?
Bushfires
Like the rest of Australia, Tasmania can come off worse for wear in the summer months thanks to bushfires. Both the 2018–2019 and 2019–20 summers saw thousands of hectares burned, posing serious risks to people and property.
Flooding
Tasmania is no stranger to floods. Flash flooding in Hobart in 2018 led to almost $100 million in private property claims,2Australian Institute for Disaster Resilience – Hobart flash flooding, 2018 while widespread rain affected multiple Tasmanian and mainland towns in 2022, racking up $586 million in private home and contents claims across three states.3Insurance Council of Australia – Insurance Catastrophe Resilience Report 2022–23, p12
Storms
While Taswegians may not get the tropical storms their Queensland cousins do, they’ve still seen plenty of wild weather, including hail with cricketing aspirations.
Theft
People pose a risk too with more than 1,000 reported home burglaries occurring between March 2023 and February 2024 in Tasmania.4Tasmania Police – Tasmania Police Reporting Dashboard Sure, it’s not quite zombie–apocalypse–level looting, but it might be enough to make you wonder what happens when you’re not home.
What does Home and Contents Insurance cover in Tasmania?
Helpful Tip
If you rent out a property, Landlord Insurance could help you protect your investment with cover for missed rent if tenants default, damage caused by tenants and loss of rental income if the place needs some fixing up.
Frequently Asked Questions
When is the best time to start a Home and Contents Insurance Policy?
If you already own your home, there’s no time like the present to sign on the dotted line of a Home and Contents Insurance Policy. You never know what the future holds (we’re crossing our fingers that we’re the first to prove there really is a pot of gold at the end of the rainbow).
However, if you’re in the process of buying a home, you may want to be aware that in Tasmania the property is your responsibility once you sign the contract. So, if you want it to be covered while you wait for the paperwork to go through, you might want to start your policy a little sooner than move-in day.
Does Home and Contents Insurance in Tasmania cover damage caused by wildlife?
Under your Home and Contents Insurance, you’re likely going to be covered for damaged caused by both kinds of Tassie devils (both the new AFL team and the marsupial variety). However, to minimise issues with your claim, you might not want to expressly invite them in or encourage them to treat your home as their mojo dojo casa house.
Can I get Home and Contents Insurance if I live in a bushfire-prone part of Tasmania?
Bushfires can happen anywhere, but if your address happens to hold the dubious honour of having more than its fair share you could still get Home and Contents Insurance. You may find though that your premium is a bit higher as a result. Taking steps to make your home less vulnerable to bushfires may help though.
What impact will climate change have on Home and Contents Insurance in Tasmania?
Without a crystal ball, it’s hard to say exactly what the future will bring. However, as climate events become more extreme and frequent — think storms, fires and floods — it may be worth preparing yourself for Home and Contents Insurance premiums to rise too. Adjusting your excess or making your home a little less vulnerable to climate events may be a way you can restore the balance though.
Get started on comparing home and contents today!*
Save time and effort by comparing a range of home and contents insurance policies with iSelect
*iSelect does not compare all home and contents insurers or policies in the market. The availability of policies may change from time to time. Not all policies available from iSelect’s providers are compared by iSelect and due to commercial arrangements, area or availability, not all policies compared by iSelect will be available to all customers. Some policies are only available from iSelect’s call centre or website. A number of our participating general insurance brands are arranged by Auto & General Services Pty Ltd ACN 003 617 909 on behalf of Auto & General Insurance Company Limited 111 586 353, both of which are related entities of iSelect Limited. Our relationship with those companies does not impact the integrity of our comparison service. Click here to view iSelect’s range of providers.
iSelect General Pty Ltd ABN 90 131 798 126, AFS Licence Number 334115. Any advice provided by iSelect on this website is of a general nature and does not take into account your objectives, financial situation or needs. You need to consider the appropriateness of any information or general advice iSelect gives you, having regard to your personal situation, before acting on iSelect’s advice or purchasing any policy. You should consider iSelect’s Financial Services Guide which provides information about our services and your rights as a client of iSelect. iSelect receives commission for each policy sold that is a percentage of the premium or a flat fee. Ask us for more details before we provide you with any services.
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- 1.Based on premiums paid by iSelect Home and Contents Insurance customers from 1 July 2022 to 30 June 2023.
- 2.Australian Institute for Disaster Resilience – Hobart flash flooding, 2018
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