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Home and contents insurance comparison

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Last updated: 27 May 2025
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Checked for accuracy by our qualified verifiers and subject experts. Find out more about fact-checking at CHOICE.

Compare over 60 home insurance policies from across the market to help you find the right cover for your building and contents. Our comparison includes policies offered by APIA, Australian Seniors, National Seniors, NRMA, GIO, QBE, Budget Direct, Youi and more.

No phone calls, no commissions. Unlike other insurance comparison websites, we don't get paid by the insurers we're comparing and we won't harass you. Save money and get better cover with insurance policies recommended by CHOICE - independent and not-for-profit.

Brand

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List of brands we tested in this review.

    enter value/s in increments of 1 between 0 and 0

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    Price score

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    The higher the percentage score, the cheaper the policy compared to other products. This score is across all policies Australia wide, but premiums can differ a lot, depending on where you live. Check the $ sign price rating for your region or state to find a closer price indication for your home. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

    enter value/s in increments of i between 20 and 86

    Sold in North Queensland

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    North Queensland means north of the Tropic of Capricorn.

      Sold in South Australia

        Sold in South Queensland

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        South Queensland means south of the Tropic of Capricorn.

          Sold in Western Australia

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          North WA means north of the Tropic of Capricorn.

            Included in this review

            Members-only access
            • Recommended
            • CHOICE Expert Rating
            • Cover score
            • Price score
            • About the insurer
            • Claims satisfaction
            • Customer satisfaction
            • Building cover
            • Contents cover
            • Legal liability cover
            • Pay-by-the-month charge
            • ACT price comparison
            • NSW price comparison
            • NT price comparison
            • North Queensland price comparison
            • South Queensland price comparison
            • SA price comparison
            • Tasmania price comparison
            • Victoria price comparison
            • WA price comparison
            • Cover for theft
            • Cover for fire
            • Cover for flood
            • Cover for storm and cyclone
            • Cover for storm surge
            • Cover for action of the sea
            • Cover for tsunami
            • Cover for explosion
            • Cover for earthquake
            • Cover for vandalism
            • Cover for impact
            • Cover for animal damage
            • Cover for sudden escape of liquid
            • Cover for accidental breakage of glass
            • Cover for accidental damage
            • How to claim
            • Settling your claim
            • Cash settlements for building claims
            • Cash settlements for contents claims
            • New for old replacement
            • Motor burnout
            • Key/lock replacement after theft
            • Gardens and landscaping
            • Costs to comply with building regulations
            • Professional fees
            • Mortgage discharge fees
            • Debris removal and demolition
            • Temporary accomodation
            • Cover for unspecified portable contents
            • Optional cover for individual portable valuables
            • Contents in the open air
            • Emergency storage
            • Jewellery
            • Artworks
            • Collections (e.g. stamps, coins)
            • Digital media
            • Spoiled food
            • Visitors' contents
            • Pet cover
            • Overlapping cover at a new house
            • Cover for contents while moving house
            • Fire, storm and theft
            • Flood
            • Underinsurance protection

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