01.Introduction
Home and contents insurance is designed to protect your biggest asset and everything inside of it against natural disasters and other damage.
However, with the number of different products on the market, it’s virtually impossible for the average consumer to perform an effective home insurance comparison. And then there's the frustration involved when trying to decipher the terms and conditions.
Our report can help you find the best home and contents insurance for your situation. We’ve designed two easy-to-understand categories – standard and top level cover – and we provide product recommendations under those categories, along with advice you can use to better understand your insurance needs.
We also score each policy individually and provide a full features table so you can compare home and contents insurance products side by side for yourself too. Make an informed decision using the CHOICE home and contents insurance comparison and review.
On this page:
- What information you'll find in this report
- How we test insurers
- Which home and contents insurance providers have been tested
For more information on Insurance, see Money.
CHOICE's experts independently test a wide range of products and services to bring you unbiased reviews, product comparison tools and buying advice that is trusted by 140,000+ members.
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What you'll get in this report:
- Complete guide to home and contents insurance
- Recommendations based on premiums and policy features for each state and territory in Australia
- Results from our home and contents insurance member survey that measures both claims experience and overall satisfaction
74 policies from 40 insurance brands analysed
We tested premiums across each state and territory using different situational scenarios and various addresses with different risk ratings. We also analysed policies based on surveys of insurers and information found in Product Disclosure Statements. For example, we looked at:
- Under insurance protection for home insurance
- Limits for various items under contents insurance
- Cover for flood, storm surge and tsunami
Home and contents insurance providers included
1300 INSURANCE1COVER
AAMI
ALLIANZ
ANZ
AMP
APIA
AUSTRALIAN SENIORS
AUSTRALIAN UNITY
BANK OF MELBOURNE
BANK OF SA
BANKWEST
BUDGET DIRECT
BUPA
CGU
COLES
COMMINSURE
GIO
IMB
MYER
NAB
NRMA
NRMA QLD
ONEPATH
QBE
RAA
RAC
RACQ
RACT
RACV
REAL INSURANCE
SGIC
SGIO
SHANNONS
ST GEORGE
SUNCORP
THE BUZZ
TIO
WESTPAC
YOUI
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