Compare Home and Contents Insurance

We’ve teamed up with home and contents insurance providers so you can compare policies and explore your options.

• ahm
• Budget Direct
• Coles
• Everyday Insurance
• Huddle

iSelect does not compare all providers in the market or all policies offered by our partners in your area. Not all policies or special offers are available to all customers and some may only be available over the phone or on the website. Learn more.

Here are some other insurers available in the market today:

• 1300 Insurance
• 1Cover
• AAMI
• Allianz
• Ansvar
• ANZ
• APIA
• Assetinsure
• Aussie (AHL Investments Pty Ltd)
• Australian Seniors Insurance Agency
• Bank of Melbourne
• BankSA
• BOQ
• Bupa
• CBA Insurance
• CCI Personal Insurance
• CGU
• CHU
• COTA Insurance
• Defence Service Home Insurance Scheme
• Dodo
• Elders Insurance
• Flex Insurance
• FM Global
• GIO
• Guild Insurance
• Hollard Australia
• Honey
• ING
• InsureLite
• MHIA
• National Seniors Insurance
• NRMA
• Over Fifty Insurance
• Ozicare
• QBE
• RAA Insurance
• RAC
• RACQ
• RACT
• RACV
• Real Insurance
• RentCover Landlord Insurance
• Retirease Insurance
• SGIC
• SGIO
• SGUA
• ShareCover
• St. George
• Strata Community Insurance
• Suncorp Insurance
• Terri Scheer Landlord Insurance
• Territory Insurance Office
• Virgin Money
• Westpac
• WFI
• Youi

A combined policy means that, instead of juggling separate policies, you’ve got all your cover sorted under one roof (pun intended). It might be cheaper than buying them separately, so you can potentially save a few bucks while keeping things simple.

Plus, it’s easier to manage – one renewal date, one insurer, and no hassle trying to remember what’s covered where. And if something happens, like a storm wreaking havoc on your house and your belongings, your cover is all in one place.

Think of it this way. You want enough coverage to rebuild your home and replace everything inside – without breaking the bank.

For your home, it’s worth looking at the full rebuild cost, not the market value. That’s things like materials, labour, and any extras like fences or pools.

For your contents, it makes sense to take stock of everything – furniture, electronics, even all those kitchen gadgets you rarely use. It’s shocking how quickly it can all add up.

If you’re unsure, using online calculators or getting some advice from an industry expert (say an estimator, quantity surveyor, or architect) are a great starting point. It may be better to be a bit over than a bit under – you don’t want to be caught short if the worst happens.

The cost of home and contents insurance can vary widely based on things like where you live, the size of your home, the materials it’s made from, its security features, and the coverage you choose. On average, a combined building and contents policy in Australia might set you back between $1,000 and $2,000 a year.¹Average annual premium for home and contents insurance among iSelect customers from 1 July 2023 to 30 June 2024 It’s worth taking the time to compare quotes – a little effort could save you time and money.

The ‘excess’ is the amount you’re required to pay if you make a claim. The insurer generally covers additional costs beyond the excess, when your claim is accepted, up to the specified limits of your policy. You can often choose your excess when buying a policy. Afterwards, your excess amount is usually found in your certificate of currency or your online account.

Shopping around and comparing policies from different insurers is a smart move when you’re trying to score a competitive price. But here’s the thing – price isn’t everything.

Just because a policy is cheap doesn’t mean it’s the right fit for you. Say a policy is cheaper because it doesn’t include flood cover. If you live in a flood-prone area, that’s an extra you might regret skipping. Or take the excess, for example. Sure, a higher excess can lower your premiums, but not everyone has the savings to comfortably cover a $5,000 excess if something goes wrong. It’s all about finding that sweet spot for your situation.

Then there’s the coverage limit. A policy covering $200,000 will obviously cost less than one covering $500,000, but if your home is worth $500,000, you’ll need the higher coverage to avoid serious out-of-pocket costs when disaster strikes.

Bottom line: While cost is definitely worth considering, it’s just one piece of the puzzle. Think about your excess, the coverage options, and whether the insurer has a solid reputation. After all, you want someone who can deliver when it’s time to make a claim.

Comparing policies is hands down one of the best ways to figure out your options. It helps you see where switching will get you more bang for your buck.

iSelect can help when it comes to comparing policies. You can use our online tool to compare a range of policies from different providers.