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Home and contents insurance reviews

Last updated: 22 March 2018

We've reviewed 53 home insurance policies from 29 insurers to help you find the best cover for your building and contents. CHOICE members can see the overall score for each policy, and see how they stack up on price compared to other products in their state. We're not like the other insurance comparison websites – we don't get paid by any of the insurers we're comparing.

To read more about how to find out which policy will suit your needs, see our home and contents insurance buying guide.

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We've reviewed home and contents policies offered by ANZ, Suncorp, Westpac, Budget Direct, NRMA, Youi, Coles, Woolworths and more. We recommend policies that offer comprehensive cover. They were chosen also because they include standout features – such as cover for accidental damage, contents in the open air or under-insurance safety nets – and because they offer good value for money based on our comparison.

How we scored

We sent surveys to insurers asking about the features and premiums of their products, and we used their responses to calculate each policy's score. The score is made up of the product features (70%), the price rating (10%) and a complaints component (20%). 

The features score is made up of the building cover (40%), contents cover (40%) and exclusions (10%) and other policy features (10%). The complaints component was derived from statistics published by the Financial Ombudsman Service, which shows the likelihood of a customer making a complaint, as well as the outcomes. 

Premiums differ from home to home, so we can't estimate how much a policy will cost you. But we obtained quotes for four different customer scenarios in two locations per state and territory (one in the capital, one in a high-risk area) as well as North Queensland. By comparing the results of these tests we can see how each policy stacks up against the competition in each region.

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Brand

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List of brands we tested in this review.

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Building cover

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Sum insured: you insure your house for the amount you think it will cost to completely rebuild it. Safety net: sum insured, with up to 30% extra available if your rebuilding costs exceed your sum insured. Total replacement: you don't list a sum insured, the insurer commits to replace your building no matter the cost.

Building safety net

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Safety nets increase the sum insured amount by up to 30% in case you have underinsured. Total replacement policies don't use sum insured figures, and will (subject to the policy's conditions) replace, repair or rebuild regardless of cost.

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Contents safety net

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Safety nets increase the sum insured amount by up to 25% in case you have underinsured.

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Sold in ACT

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According to the insurer. If a policy is available but has no price score, 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 thought our addresses were too high risk.

Sold in NSW

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According to the insurer. If a policy is available but has no price score, 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 thought our addresses were too high risk.

Sold in NT

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According to the insurer. If a policy is available but has no price score, 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 thought our addresses were too high risk.

Sold in North Queensland

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Rockhampton and above. According to the insurer. If a policy is available but has no price score, 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 thought our addresses were too high risk.

Sold in South Queensland

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South of Rockhampton. According to the insurer. If a policy is available but has no price score, 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 thought our addresses were too high risk.

Sold in SA

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According to the insurer. If a policy is available but has no price score, 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 thought our addresses were too high risk.

Sold in Tasmania

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According to the insurer. If a policy is available but has no price score, 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 thought our addresses were too high risk.

Sold in Victoria

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According to the insurer. If a policy is available but has no price score, 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 thought our addresses were too high risk.

Sold in WA

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According to the insurer. If a policy is available but has no price score, 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 thought our addresses were too high risk.

Sold on Norfolk Island

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According to the insurer. We have not tested prices here.

Features

24/7 phone claiming

Online claiming

Accidental damage to building and contents

Good cover for motor burnout

Good cover for unlisted jewellery

Good cover for contents in open air

Good cover for temporary accomodation

Costs

ACT

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The fewer dollar signs, the cheaper the policy compared to other products available in the territory.

North Queensland

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The fewer dollar signs, the cheaper the policy compared to other products available in the region.

NSW

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The fewer dollar signs, the cheaper the policy compared to other products available in the state.

NT

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The fewer dollar signs, the cheaper the policy compared to other products available in the territory.

South Queensland

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The fewer dollar signs, the cheaper the policy compared to other products available in the region.

SA

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The fewer dollar signs, the cheaper the policy compared to other products available in the state.

Tasmania

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The fewer dollar signs, the cheaper the policy compared to other products available in the state.

Victoria

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The fewer dollar signs, the cheaper the policy compared to other products available in the state.

WA

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The fewer dollar signs, the cheaper the policy compared to other products available in the state.

Included in this review

Members-only access
  • Overall score
  • Features score
  • Complaints score
  • Underwriter
  • Building cover
  • Contents cover
  • Recommended
  • Online purchasing
  • Cooling off period
  • Make a claim
  • Pay-by-the-month charge
  • Maximum no claim bonus
  • Online discount
  • Combined discount
  • Multi-policy discount
  • Other discounts
  • Fire
  • Flood
  • Storm and cyclone
  • Earthquake
  • Tsunami
  • Lightning
  • Actions of the sea
  • Theft
  • Vandalism
  • Impact damage
  • Animal damage
  • Escape of liquids
  • Accidental breakage
  • Accidental damage
  • Legal liability
  • Choice of repairer
  • Motor burnout (building cover)
  • Keys and locks after break-in
  • Gardens and landscaping
  • Costs to comply with building regulations
  • Mortgage discharge fees
  • Debris removal and demolition
  • Temporary accommodation
  • Death benefit
  • Renewable energy supplement
  • Unlisted portable contents
  • Cover for specially listed valuables
  • Motor burnout
  • Keys and locks after break-in
  • Unlisted jewellery
  • Digital media
  • Money
  • Tools of trade
  • Cover for contents while moving house
  • Contents in the open air
  • Visitors' contents
  • Spoiled food
  • Removal of damaged contents
  • Temporary accommodation
  • Pet cover
  • Good points
  • Bad points
  • Building cover
  • Building safety net
  • Contents safety net
  • ACT
  • NSW
  • NT
  • North Queensland
  • South Queensland
  • SA
  • Tasmania
  • Victoria
  • WA
  • Insurer
  • Policy
  • Website
  • Storm surge
  • Online claiming
  • 24/7 phone claiming
  • Accidental damage to building and contents
  • Good cover for contents in open air
  • Good cover for motor burnout
  • Good cover for temporary accomodation
  • Good cover for unlisted jewellery
  • 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
  • Sold on Norfolk Island
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