enter value/s in increments of 1 between 0 and 0
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Features score
The score is made up of common insured events (20%), additional building cover (40%) and additional contents cover (40%).
enter value/s in increments of i between 49 and 88
Ease of use score
This score rates how accessible a product's disclosure documents are (number of documents, word count), whether customers can purchase and claim online, and whether the insurer operates a 24/7 claims phone line. A higher score is better.
enter value/s in increments of i between 42 and 81
Complaints score
The score is derived from the level of complaints and disputes handled by the Financial Ombudsman Service for the underwriter in 2017-18. A higher score is better: it means fewer complaints are made and the insurer is more willing to come to an agreement with aggrieved customers.
enter value/s in increments of i between 42 and 99
ACT price rating
The fewer dollar signs, the cheaper the policy compared to other products available in the territory.
NSW price rating
The fewer dollar signs, the cheaper the policy compared to other products available in the state.
NT price rating
The fewer dollar signs, the cheaper the policy compared to other products available in the territory.
North Queensland price rating
North of Rockhampton. The fewer dollar signs, the cheaper the policy compared to other products available in the region.
South Queensland price rating
Rockhampton and below. The fewer dollar signs, the cheaper the policy compared to other products available in the region.
SA price rating
The fewer dollar signs, the cheaper the policy compared to other products available in the state.
Tasmania price rating
The fewer dollar signs, the cheaper the policy compared to other products available in the state.
Victoria price rating
The fewer dollar signs, the cheaper the policy compared to other products available in the state.
WA price rating
The fewer dollar signs, the cheaper the policy compared to other products available in the state.
Sold in ACT
If a policy is available but has no price rating, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the state, or wouldn't provide us with online quotes for our test addresses.
Sold in NSW
If a policy is available but has no price rating, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the state, or wouldn't provide us with online quotes for our test addresses.
Sold in NT
If a policy is available but has no price rating, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the territory, or wouldn't provide us with online quotes for our test addresses.
Sold in North Queensland
Rockhampton and above. If a policy is available but has no price rating, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the region, or wouldn't provide us with online quotes for our test addresses.
Sold in South Queensland
South of Rockhampton. If a policy is available but has no price rating, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the state, or wouldn't provide us with online quotes for our test addresses.
Sold in SA
If a policy is available but has no price rating, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the state, or wouldn't provide us with online quotes for our test addresses.
Sold in Tasmania
If a policy is available but has no price rating, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the state, or wouldn't provide us with online quotes for our test addresses.
Sold in Victoria
If a policy is available but has no price rating, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the state, or wouldn't provide us with online quotes for our test addresses.
Sold in WA
If a policy is available but has no price rating, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the state, or wouldn't provide us with online quotes for our test addresses.
Underinsurance safety net
If your policy has an underinsurance safety net, your insurer pay above your sum insured if the cost of repairing or replacing your contents exceeds your sum insured. Note that safety nets may be an optional extra.
enter value/s in increments of i between 0 and 25
Accidental damage to contents
Cover for accidental loss or damage to contents at the home
Cover for unlisted portable valuables
Accidental loss or damage cover for valuables away from home.
Optional flood cover
Most policies have flood cover included by default. Some insurers include flood cover as an optional extra. Others offer it by default by allow some or all customers to opt out.
Pet damage cover
Not all pet damage is covered, however. You may not be covered for biting or scratching damage - check the PDS.
24/7 emergency claims hotline
Insurer has a 24/7 phone line for lodging claims and receiving prompt emergency assistance.
Online claiming
Insurer has a website where you can lodge a claim.
Legal liability cover for family members
Does legal liability cover extend to adult family members living at the address?
Renter legal liability covers fire
Cover if you are legally liable for damage caused by fire in your rented home.
Renter legal liability covers water damage
Cover if you are legally liable for damage caused by overflowing water in your rented home (eg an overflowing washing machine).
Renter legal liability covers glass or ceramic breakage
Cover if you are legally liable for damage to fixed glass or ceramic items in your rented home (eg mirrors, toilet cisterns).
Renter legal liability covers damage to fixtures
Cover if you are legally liable for damage to fixtures and fittings in your rented home.
Good cover for motor burnout
Cover to replace or repair items like automatic garage doors and refrigerators. Also called motor fusion.
Good cover for food spoilage
Many policies will offer overlapping cover at the old and new address. You can also get limited cover for your contents while they are in transit.
Good cover for digital media
Cover for downloaded property such as digital media and software.
Good cover for artworks and collections
Cover for unlisted artworks and collections (eg stamps, coins).
Good cover for jewellery
Cover for unlisted jewellery while kept at home.
Good cover for temporary accommodation
Cover for temporary accommodation if you are unable to live in your home as a result of an insured event.
Good cover for key and lock replacement
Cover to replace locks and recode electronic keys in the event of break-in.
Good cover for contents in the open air
Open air usually includes any area on your property that is exposes to the elements, but may also include unlockable areas like a garden shed. Each insurer has different definitions, so check with them for restrictions.
Good cover for portable contents while travelling
Some insurers will extend some cover to your valuables when you take them travelling.
Good cover for contents while moving house
Many policies will offer overlapping cover at the old and new address. You can also get limited cover for your contents while they are in transit.
Good cover for tools of trade
Cover for tools of trade when kept at the insured address.
Included in this review
- Overall score
- Features score
- Complaints score
- Ease of use score
- Recommended products
- Cover type
- Underwriter
- Contents cover
- How to claim
- Pay-by-the-month charge
- Cover for fire
- Cover for explosion
- Cover for theft
- Cover for sudden escape of liquid
- Cover for storm and cyclone
- Cover for lightning
- Cover for flood
- Cover for actions of the sea
- Cover for impact
- Cover for animal damage
- Cover for vandalism
- Cover for earthquake
- Cover for tsunami
- Cover for accidental breakage of glass
- Cover for accidental damage
- Legal liability cover
- Legal liability cover for renters
- New for old replacement
- Cover individual valuables at home for an amount you nominate
- Cover individual valuables away from home
- Cover unspecified valuables away from home
- Cover for valuables while travelling
- Cover for motor burnout
- Spoiled food
- Jewellery
- Works of art
- Collections (eg stamps, coins)
- Digital media
- Cash
- Tools of trade at the home
- Visitors' contents
- Cover while moving house
- Temporary accomodation
- Debris removal
- Keys and locks
- Contents in the open air
- Temporary accomodation
- Pet cover
- Good points
- Bad points
- Underinsurance safety net
- Online claiming
- 24/7 emergency claims hotline
- Accidental damage to contents
- Optional flood cover
- Pet damage cover
- Cover for unlisted portable valuables
- Good cover for motor burnout
- Good cover for food spoilage
- Good cover for digital media
- Good cover for artworks and collections
- Good cover for jewellery
- Good cover for tools of trade
- Good cover for temporary accommodation
- Good cover for contents in the open air
- Good cover for portable contents while travelling
- Good cover for contents while moving house
- Legal liability cover for family members
- Renter legal liability covers fire
- Renter legal liability covers water damage
- Renter legal liability covers glass or ceramic breakage
- Renter legal liability covers damage to fixtures
- ACT price rating
- NSW price rating
- NT price rating
- FNQ price rating
- QLD price rating
- SA price rating
- TAS price rating
- VIC price rating
- WA price rating
- Corrections
- Insurer
- Policy name
- Website
- Cover for storm surge
- Good cover for key and lock replacement
- Sold in ACT
- Sold in North Queensland
- Sold in NSW
- Sold in NT
- Sold in South Queensland
- Sold in SA
- Sold in Tasmania
- Sold in Victoria
- Sold in WA