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Everything Home Insurance
Need help understanding home insurance?
No worries. Our guide breaks it all down so you’ve got everything
you need to know – whether you’re a homeowner, landlord, or renter.
Home insurance 101
How can I claim home insurance?
Not sure how to tackle a home insurance claim? We’ve got you covered with a simple step-by-step guide, plus some tips and tricks to make the process smooth and stress free.
How much does home insurance cost?
How much does home insurance actually set you back? Dive into the factors shaping your premium, the dangers of underinsurance, and tips to score the perfect coverage without breaking the bank.
What is the average house contents worth?
Maybe you’ve promised yourself a minimalist life, but you’ll be surprised how quickly stuff adds up. Discover what your home’s contents are worth and see how you stack up against the Aussie average.
How can I avoid underinsuring my home?
Underinsurance can be the bane of your homeownership existence. Protect your home with confidence by ensuring you’re fully covered, and learn practical tips to value your property accurately.
Who is home insurance for?
Renters
Whether you’re going for mid-century modern interiors or the rugged industrial look, your furniture deserves as much protection as your Tiffany necklace. Renter’s insurance has got your back.
Landlords
Owning a rental property is a smart move, but having landlord insurance is even smarter. It offers protection against unexpected damages, tenants pulling a disappearing act, and other dramas.
First home buyers
Buying your first home in Straya is a huge milestone, but it comes with plenty of responsibility too. Home insurance steps in to protect your pride and joy from events like storms, theft, or accidents.
What are the types of home insurance?
Home insurance
Home insurance is the umbrella term for any insurance that shields your space from life’s surprises like theft, fire, or accidents – whether you’re a property owner, renter, or landlord.
Combined home and contents insurance
Why settle for half the protection when you can have it all? Combined home and contents insurance keeps your house and everything inside it safe from unexpected surprises.
Building insurance
You worked bloody hard for your dream home; why leave it unprotected from the unexpected? Your home’s bones need protection from storms, accidents, and mishaps. And building insurance can do the job.
Contents insurance
Life’s full of surprises, but the stuff in your home doesn’t have to bear the brunt of it. Contents insurance has you covered for theft, damage, and plenty of other unexpected hiccups.
Landlord insurance
Owning a rental property comes with its fair share of surprises. From missed rent to legal dramas, this insurance’s got you covered so you can focus on being a legendary landlord for your tenants.
What are some features of a home insurance policy?
Fire insurance
Fire can be unpredictable, but your protection doesn’t have to be! Fire insurance ensures your property is safeguarded from bushfires, so homeownership won’t always flare up your worries.
Flood insurance
When the waters rise, don’t get caught adrift! Flood insurance is the life raft your property needs. It covers costly flood-related damages to ensure your home stays protected, rain or shine.
Accidental damage insurance
Life happens, and sometimes it’s a bit of a wreck – especially when your furry pal or clumsy partner is involved. Accidental damage insurance has you covered for those ‘oops’ moments.
Motor burnout insurance
Appliances running out of steam? Motor burnout insurance keeps you covered and ensures your essential electrical appliances are back in gear without burning a hole in your pocket.
Water damage insurance
Water damage cover can keep your property safe and your stress levels low. It shields your home or property from costly drips, drops, and floods, keeping your worries from pooling up.
Storm insurance
This cover helps your home weather it all. From wind to hail to rainfall mayhem, storm cover is the silver lining you need so you can face the tempest with utmost calm.
Exclusions
Not everything makes the cut, and that’s where exclusions step in. By highlighting what’s not covered, exclusions keep surprises out of your policy – and your expectations crystal clear.
Home insurance by location
NSW
Life in New South Wales isn’t just sun and surf – bushfires, floods, and theft can sneak up on you too. Home insurance has your back, so you can soak up the good vibes knowing your place is protected.
QLD
Queensland’s got it all – sunny days and rugby, but also tropical storms, torrential floods, and the sneak thief. Home insurance is the perfect partner in keeping your home in the Sunshine State safe.
WA
Western Australia’s epic landscapes come with their fair share of challenges, like flooding and burglaries. With home insurance, you can enjoy the WA lifestyle knowing your home’s protected.
SA
South Australia’s got the charm of wine country and wildlife, but bushfires and break-ins can be real party crashers. Home insurance can keep your home safe and sound in the Festival State.
TAS
Tasmania’s all about stunning views and a laid-back vibe, but floods and burglaries can rain on your parade. Home insurance can keep your property safe so you can soak up the ultimate Tassie life.
NT
The Northern Territory’s rugged beauty brings its share of wild weather and challenges – from cyclones to extreme heat. Home insurance makes sure your home stays protected in the Top End.
Landlord insurance by location
Landlord insurance NSW
From bustling Sydney to the wide-open country, being a landlord in NSW comes with its perks and risks. Protect your property against unruly tenants or unexpected repairs with landlord insurance.
Landlord insurance QLD
Queensland’s tropical weather and its thriving rental market are a combo owners can’t ignore. Landlord insurance can shield your investment so you can be a chill landlord in the Sunshine State.
Landlord insurance WA
Landlord insurance allows you to manage your rental property with the confidence of a pro surfer catching waves along Margaret River’s spectacular coastline.
Landlord insurance VIC
Victoria’s buzzing rental market and unpredictable weather need no introduction. Landlord insurance can keep your property safe from tenant dramas in Melbourne and wild weather across the state.
Landlord insurance SA
With landlord insurance, you can be ready for anything – from property damage to missed rent payments – so you can kick back with Barossa Valley, pinot in hand.
Landlord insurance TAS
Tasmania’s quiet lifestyle and natural beauty make it a rental hotspot, but risks can still lurk. Landlord insurance can ensure your property stays protected from tenant issues or damage.
Landlord insurance NT
The Northern Territory’s rugged beauty is iconic, but being a landlord isn’t without its challenges. From tenant troubles to potential legal disputes, landlord insurance has your back.
Landlord insurance ACT
The nation’s capital might have a steady vibe, but tenant troubles or unexpected damage can still strike. Landlord insurance can be your stress-free solution, keeping your Canberra home covered.
What’s covered by contents insurance?
Bicycle
Whether you’re cruising the coast or powering through city streets, your bike can be covered. Contents insurance steps up if it’s nicked or damaged, so you can ride on without a worry.
Engagement ring
An engagement ring is more than jewellery; it’s a symbol of love and commitment. With contents insurance, you can be protected against loss or damage, keeping that sparkle alive.
Mobile phone
Your phone’s basically an extension of your hand these days, right? Contents insurance means you’re protected if it gets lost, stolen, or banged up.
Watch
Your watch does more than tell time; it’s part of your style. With contents insurance, it can be protected if it’s unfortunately dropped, stolen, or damaged.
Portable contents
From electronics to everyday essentials, portable contents insurance can have your back when you’re out and about. It’s like taking peace of mind with you, wherever life leads.
Are you a renter?
Renters contents insurance
Don’t own the place but still have plenty of stuff? Renters contents insurance is your safety net if your belongings get stolen, damaged, or wrecked in a rental.
Single room rental
Sharing a house or renting just a room? Renters insurance can cover your stuff, even if your housemates are a bit careless with theirs.
Portable contents
Always on the move? Portable contents insurance keeps your stuff safe wherever you go. Whether it’s your phone, laptop, or bike, you’re covered against theft or damage – even when you’re out and about.
What else should I know about home insurance?
Home insurance FAQs
Got questions about home insurance? From what’s covered to what’s not, FAQs help clear up the nitty-gritty, so you’re never left guessing.
Building replacement costs
Do you know what it would cost to rebuild your home from scratch? It’s worth checking when you take out home insurance to make sure you’re fully covered.
Certificate of currency
Need proof your home’s insured? A certificate of currency is the document that shows you’re covered. It’s handy for things like financing or rentals.
iSelect General Pty Ltd (ABN 90 131 798 126. AFSL 334115) has partnered with Compare the Market (ABN 83 117 323 378. AFSL 422926) to compare a range of home insurers and policies. Not all providers in the market or all policies offered by the partners are compared and not all policies or special offers are available to all customers.
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.
Any advice provided by iSelect 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.